ISOs and stock options

The Basics of Incentive Stock Options

There is nothing basic about incentive stock options. Incentive stock options have built-in complexity that goes far beyond their restricted stock and non-qualified stock option cousins. The holding requirements for qualified dispositions and alternative minimum taxes are two complexities that quickly come to mind. If you find yourself on the receiving end of incentive stock […]

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Catch up to retirement

8 To Dos in the 10 Years before Retirement

Planning for retirement can be difficult. With so many moving parts and so many big decisions, retirement can be overwhelming for even the most easy-going of us all. One way to make the potentially stressful time a little less crazy is to plan. Plan often and plan thoroughly. In fact, a successful retirement plan often […]

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Gallery Walk

Greater West Chester Chamber Gallery Walk – Don’t Miss It!

If you’re looking for an evening full of fun, don’t miss the Greater West Chester Chamber Gallery Walk on Friday, May 6th, 2016 from 5 pm to 9 pm. Simone Zajac Wealth Management Group proudly co-sponsors the art at the Chester County Historical Society displayed at the Greater West Chester Chamber Gallery Walk. There, you’ll find a mix of eclectic […]

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Maximize Social Security

Factors to Consider when Delaying Social Security to age 70

If you want to maximize your monthly Social Security benefit, it may make sense to wait to collect your benefits until you are 70 years old.  At 70 years of age, your Social Security benefit maxes out.  This means that there is no point in waiting any longer to collect.  Your benefit is not going […]

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stock options exercise

Evaluating 3 Non-Qualified Stock Option Exercise Strategies

Non-qualified stock options (NSOs) are commonly issued to allow employees to participate in the upside potential of a company.  They may also be used as the proverbial “golden handcuffs.”  Golden handcuffs may offer you a substantial value in the future, should you continue to work for your company. Non-qualified stock options are issued at a […]

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should i buy term or buy permanent insurance

The Game Changer for Buy Term and Invest the Difference

Should you buy term insurance and invest the difference or buy a permanent insurance policy? This question is amongst one of the most common in the financial services community. Depending on whom you talk to, it’s likely that you will find passionate supporters on either side of the argument.  Financial advisors with an investment bias […]

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401k and retirement planning

7 Steps to an Awesome 401(k)

The 401(k) plan could arguably be the single best retirement vehicle that savers and investors have at their disposal.  In fact, for many people, the 401(k) will make up a significant part of their retirement income.   Some studies suggest that Social Security will act as the single-largest retirement source for many.  One study suggests that […]

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