Hidden Cost Of Waiting And Timing Your Non Qualified Stock Options!

Non-qualified stock options can be powerful, but only if you understand what actually happens to your taxes when you exercise. In this Savvy Series episode, Catherine and Rachel break down the hidden tax trap behind non-qualified stock options—and why timing matters more than most investors realize. It's common to wait for a higher stock price before acting, but timing plays a larger role than most people expect. Here's what you'll uncover: • Why the "spread" can quietly explode your tax bill • How waiting can turn potential gains into higher-taxed income • Real examples showing six-figure tax differences from timing alone • The mistake of treating stock options like an investment decision—not a tax strategy • Key factors to evaluate before exercising (income, timing, diversification, cash flow) Plus, insider insights on W-2 surprises, under-withholding risks, and how to avoid accidental double taxation. The takeaway: It's not just about when your stock peaks—it's about when your strategy is most efficient. Because the real advantage isn't chasing a higher price… it's making smarter decisions before the tax bill catches up. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 4/23/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700