Equity-first financial planning for tech employees with RSUs, ISOs, NSOs, ESPPs, and pre-IPO shares.https://vestedgrant.com/en-ushttps://vestedgrant.com/equity-comp/crypto-token-compensation/https://vestedgrant.com/equity-comp/crypto-token-compensation/How the IRS treats restricted token units, airdrops, and staking rewards in employment comp, and the planning moves that stop the paper-gain trap.Sun, 05 Apr 2026 00:00:00 GMTequity-compcryptotokensRTUtaxationhttps://vestedgrant.com/taxes/international-equity-comp/https://vestedgrant.com/taxes/international-equity-comp/Cross-border tax treatment of RSUs and options for inbound assignees, outbound expats, and dual-country residents. The rules that actually control your bill.Sun, 05 Apr 2026 00:00:00 GMTtaxesinternationalexpatcross-borderRSUhttps://vestedgrant.com/taxes/iso-amt-first-bill/https://vestedgrant.com/taxes/iso-amt-first-bill/A plain-language walkthrough of how alternative minimum tax works when you exercise ISOs, with a full worked example and the AMT credit recovery path.Sun, 05 Apr 2026 00:00:00 GMTtaxesISOAMTForm 6251https://vestedgrant.com/investing/behavioral-trap-holding-employer-stock/https://vestedgrant.com/investing/behavioral-trap-holding-employer-stock/Why smart tech employees systematically over-hold their employer's stock, the specific cognitive patterns involved, and how to design around them.Sat, 04 Apr 2026 00:00:00 GMTinvestingbehavioralconcentrated stockdecision makinghttps://vestedgrant.com/estate/estate-planning-single-stock/https://vestedgrant.com/estate/estate-planning-single-stock/How to structure trusts, gifts, and transfers when 70% of your estate is employer stock you don't want to sell but can't afford to hold forever.Sat, 04 Apr 2026 00:00:00 GMTestateestatetrustsconcentrated stockgift taxhttps://vestedgrant.com/equity-comp/pre-ipo-equity-value/https://vestedgrant.com/equity-comp/pre-ipo-equity-value/How to think about the real value of pre-IPO options, RSUs, and common stock when there is no market price and the company might not IPO.Sat, 04 Apr 2026 00:00:00 GMTequity-comppre-IPO409Aliquidityvaluationhttps://vestedgrant.com/equity-comp/10b5-1-plan-setup/https://vestedgrant.com/equity-comp/10b5-1-plan-setup/A working guide to Rule 10b5-1 selling plans, the 2023 cooling-off period, and how to build a plan that actually executes when you want to sell.Fri, 03 Apr 2026 00:00:00 GMTequity-comp10b5-1insider tradingselling planhttps://vestedgrant.com/taxes/california-trailing-nexus/https://vestedgrant.com/taxes/california-trailing-nexus/Why California still taxes your RSU vests after you've moved, how the workday apportionment rule works, and the documentation that survives a residency audit.Fri, 03 Apr 2026 00:00:00 GMTtaxesstate taxCaliforniaresidencyequityhttps://vestedgrant.com/equity-comp/complete-rsu-guide/https://vestedgrant.com/equity-comp/complete-rsu-guide/What actually happens when your restricted stock units vest, how much tax you owe, and the sell-or-hold decision you have to make every quarter.Fri, 03 Apr 2026 00:00:00 GMTequity-compRSUvestingtaxeswithholdinghttps://vestedgrant.com/equity-comp/exit-planning-18-months/https://vestedgrant.com/equity-comp/exit-planning-18-months/What founders and executives should do in the year and a half before an IPO, acquisition, or major secondary to preserve the maximum after-tax outcome.Fri, 03 Apr 2026 00:00:00 GMTequity-compexitIPOacquisitionpre-transactionhttps://vestedgrant.com/investing/direct-indexing-concentrated-stock/https://vestedgrant.com/investing/direct-indexing-concentrated-stock/How holding an index as individual stocks instead of a fund produces $30-80k of realized losses per year that offset gains from a concentrated sell-down.Thu, 02 Apr 2026 00:00:00 GMTinvestingdirect indexingtax loss harvestingconcentrated stockhttps://vestedgrant.com/personal-finance/family-office-tech-wealth/https://vestedgrant.com/personal-finance/family-office-tech-wealth/When a family office starts to make sense, the difference between single-family and multi-family structures, and what these firms actually do for tech founders and executives.Thu, 02 Apr 2026 00:00:00 GMTpersonal-financefamily officehigh net worthwealth managementhttps://vestedgrant.com/taxes/iso-exercise-strategy/https://vestedgrant.com/taxes/iso-exercise-strategy/The three-way decision every ISO holder makes every year, broken down by strike price, spread, AMT exposure, and company stage.Thu, 02 Apr 2026 00:00:00 GMTtaxesISOAMTexerciseequity-comphttps://vestedgrant.com/mortgage/mortgage-with-rsu-income/https://vestedgrant.com/mortgage/mortgage-with-rsu-income/How underwriters evaluate RSU income for qualifying purposes, the two-year history rule, and the programs built specifically for tech comp structures.Thu, 02 Apr 2026 00:00:00 GMTmortgagemortgageRSUunderwritingjumbohttps://vestedgrant.com/equity-comp/qsbs-section-1202-guide/https://vestedgrant.com/equity-comp/qsbs-section-1202-guide/How the qualified small business stock rules work, who qualifies, how to stack the exclusion across trusts, and what blows up the eligibility.Thu, 02 Apr 2026 00:00:00 GMTequity-compQSBSSection 1202foundercapital gainshttps://vestedgrant.com/personal-finance/charitable-giving-appreciated-equity/https://vestedgrant.com/personal-finance/charitable-giving-appreciated-equity/How to donate appreciated stock to maximize the tax deduction, the differences between donor-advised funds and charitable remainder trusts, and when each fits.Wed, 01 Apr 2026 00:00:00 GMTpersonal-financecharitableDAFCRTappreciated stockhttps://vestedgrant.com/equity-comp/espp-maximization/https://vestedgrant.com/equity-comp/espp-maximization/Why a standard Section 423 ESPP is the highest risk-adjusted return in your comp package, and how to capture the full discount without holding forever.Wed, 01 Apr 2026 00:00:00 GMTequity-compESPPSection 423discounthttps://vestedgrant.com/equity-comp/founder-equity-83b-qsbs/https://vestedgrant.com/equity-comp/founder-equity-83b-qsbs/The three moves every founder should make in the first 30 days after incorporation, plus the common mistakes that permanently destroy future tax savings.Wed, 01 Apr 2026 00:00:00 GMTequity-compfounder83(b)QSBSearly exercisehttps://vestedgrant.com/retirement/roth-conversion-ladder-equity/https://vestedgrant.com/retirement/roth-conversion-ladder-equity/How to use low-income years between tech roles or before Social Security to convert traditional IRA dollars to Roth at lower effective rates.Wed, 01 Apr 2026 00:00:00 GMTretirementRoth conversionretirementtax planninghttps://vestedgrant.com/equity-comp/secondary-market-sales-guide/https://vestedgrant.com/equity-comp/secondary-market-sales-guide/How private-company secondaries actually work, the ROFR and transfer-restriction landmines, and what sellers should expect on price, tax, and timing.Wed, 01 Apr 2026 00:00:00 GMTequity-compsecondarytender offerpre-IPOliquidityhttps://vestedgrant.com/equity-comp/409a-valuations-nso-grants/https://vestedgrant.com/equity-comp/409a-valuations-nso-grants/What the 409A is, why it sets your option strike price, how it changes over time, and the specific 409A numbers that should influence when you exercise.Mon, 30 Mar 2026 00:00:00 GMTequity-comp409ANSOvaluationhttps://vestedgrant.com/equity-comp/nso-vs-iso-comparison/https://vestedgrant.com/equity-comp/nso-vs-iso-comparison/The real tradeoff between non-qualified and incentive stock options, with after-tax comparisons across company stage, strike price, and holder tax bracket.Mon, 30 Mar 2026 00:00:00 GMTequity-compNSOISOstock optionshttps://vestedgrant.com/retirement/retirement-with-concentrated-equity/https://vestedgrant.com/retirement/retirement-with-concentrated-equity/Sequence-of-returns risk, sustainable withdrawal rates, and the Roth conversion moves for households whose retirement rides on one stock.Mon, 30 Mar 2026 00:00:00 GMTretirementretirementconcentrated stocksequence riskwithdrawalhttps://vestedgrant.com/taxes/rsu-supplemental-withholding-gap/https://vestedgrant.com/taxes/rsu-supplemental-withholding-gap/Why your April tax bill is always larger than expected when you have RSUs, and the three ways to close the gap before penalties apply.Sun, 29 Mar 2026 00:00:00 GMTtaxesRSUwithholdingsupplementalhttps://vestedgrant.com/investing/concentrated-stock-diversification/https://vestedgrant.com/investing/concentrated-stock-diversification/Practical techniques for reducing single-stock concentration when most of your basis is locked in appreciation and a straight sale would cost 30% in tax.Sat, 28 Mar 2026 00:00:00 GMTinvestingconcentrated stockdiversificationtax planning