Episode 116 – The Alphabet Soup of Employee Stock Benefits

• Why employee ownership can be a powerful wealth-building tool
• Overview of ESOPs, ESPPs, RSUs, and the NUA tax strategy
• How ESOPs and ESPPs give you company stock through contributions or discounted purchases
• How RSUs work, when they’re taxed, and why they often lead to concentrated employer stock
• What NUA is and when it can reduce taxes on appreciated company stock in a 401(k)
• Key risks of single‑stock exposure and why diversification is crucial
• Practical RSU tip: when it can make sense to sell vested shares and reinvest or pay down debt
• How to think about these benefits as part of an overall financial and tax plan

If you’d like help reviewing your equity compensation and overall plan, schedule a free introductory meeting at betterplanningbetterlife.com.

This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual.