Stock Options In A New Job: What Most People Get Wrong And How To Get It Right

Stock options can feel like a reward… until tax season tells a different story. In this episode of the Savvy Series, Catherine and Rachel break down what stock options and RSUs really mean for your financial life—and why so many high earners get caught off guard. From hidden tax traps to costly planning mistakes, this conversation uncovers what most people don't realize until it's too late. Inside this episode: The key differences between ISOs, NSOs, and RSUs—and why it matters How the Alternative Minimum Tax (AMT) can create "phantom income" Why employer withholding is often not enough (and what to do instead) The risk of paying taxes twice if your strategy isn't coordinated How concentration in company stock can quietly increase your risk Smart timing strategies for exercising options and managing tax brackets The big takeaway: equity compensation isn't just a bonus—it's a planning opportunity. And without the right strategy, it can turn into an expensive surprise. If your compensation includes stock, this is a must-listen before you make your next move. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 3/26/26 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