Year-End Planning Content At myStockOptions.com Helps Employees With Stock Compensation Navigate The Tax Changes Of 2013

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Important tax changes that became effective in 2013 have an impact on year-end financial and tax planning for anybody with stock investments, including employees with equity awards or company shares. Fortunately, the section Financial Planning: Year-End at myStockOptions.com ( http://www.mystockoptions.com ) provides helpful education and guidance on major issues, decisions, and innovative financial-planning strategies for the end of 2013 and the start of 2014.

The end of the year is always a key time for financial and tax decisions, but 2013 is not like other years. Important tax changes that became effective in 2013 have an impact on the planning considerations for anybody with stock investments, including employees holding company shares. Additional complications may arise for people with grants of stock options, restricted stock, or restricted stock units, and for participants in employee stock purchase plans. Fortunately, the section Financial Planning: Year-End at myStockOptions.com ( http://www.mystockoptions.com ) provides helpful education and guidance on major issues, decisions, and innovative financial-planning strategies for the end of 2013 and the start of 2014.

Tax Changes Affect 2013 Year-End Planning For Equity Compensation And Company Shares

Along with the financial- and tax-planning concepts that apply at the close of every year, in 2013 people with equity comp and company shares will want to consider the impact of the tax changes that took effect this year under the American Taxpayer Relief Act and the Affordable Care Act.

Timely year-end guidance is particularly important for people who are considering option exercises or stock sales at the end of 2013. "Employees with equity grants and company shares should be aware of the new thresholds for higher tax rates on compensation income and capital gains, the additional Medicare tax on compensation income, and the Medicare surtax on investment income," cautions Bruce Brumberg, the Editor-in-Chief of myStockOptions.com. "They may want to consider keeping their income below those thresholds, if possible."

Year-End Content Provides Education And Guidance

At myStockOptions.com, the section Year-End Planning has been fully updated for 2013. Its content includes the following articles and FAQs.

Articles

  • Top Ideas For Year-End Tax Planning With Stock Compensation (Parts 1 and 2)
  • Year-End Strategies For Restricted Stock: Ideas To Consider
  • Year-End Strategies For Employee Stock Purchase Plans: Ideas To Consider
  • Stockbrokers' Secrets (Part 3): Year-End Planning For NQSOs, Restricted Stock, And RSUs
  • Stockbrokers' Secrets (Part 7): Year-End Planning For ISOs

FAQs

  • What are some year-end strategies for restricted stock and stock options?
  • Next year I may be in a higher tax bracket. I am thinking about exercising my nonqualified stock options before then to accelerate income into this year. What issues do I need to think about?
  • I am thinking about selling some company stock this year, as next year my income will trigger the 3.8% Medicare surtax on investment income, along with higher tax rates on capital gains and dividends. After selling the stock this year, I would then repurchase it to reset the basis. What are the issues I need to consider?

Along with these articles and FAQs, other FAQs in the year-end section answer many questions, including:

  • How can employees defer income to years when they are in a lower tax bracket?
  • How does the health-care reform law affect planning for stock compensation and my Medicare tax rate?
  • How do employees harvest capital losses against capital gains from company stock holdings?
  • Are there strategies for using capital-loss carry-forwards from prior years?
  • What risks are posed by the wash sale rule?
  • What year-end strategies can help to minimize alternative minimum tax with incentive stock options?
  • How can employees save taxes on company stock by making gifts and donations, including those to private foundations or grantor-retained annuity trusts?

All of these questions, and many others, are answered in the section Financial Planning: Year-End Planning. In addition, the calculators and modeling tools at myStockOptions.com allow users to play out various "what if" scenarios with different tax rates and stock prices.

For similar education and guidance on year-end planning for nonqualified deferred compensation, employees have a superb resource in myNQDC.com ( http://mynqdc.com ), a separate sister publication of myStockOptions.com.

Corporate Licensing Available

All the content on myStockOptions.com is ideally suited for licensing by companies and stock plan providers for their stock plan participants. A customized version of the website's award-winning content can be seamlessly woven into companies' HR, benefits, and/or compensation portals. Accessible through any internet browser, 24 hours a day, 7 days a week, licensed content from myStockOptions.com lets stock plan participants answer their own questions about their stock grants whenever they need to learn more—saving time for the stock plan staff and costs for the company. For more information, visit http://mystockoptions.com or call 617-734-1979.

About myStockOptions.com

With exclusive articles, 800+ FAQs, podcasts, the Tax Center, the Learning Center with courses for CE credit, the Global Tax Guide, an extensive glossary, and interactive patented tools, myStockOptions.com is the premier online resource of educational content and tools on stock options, restricted stock, restricted stock units, performance shares, stock appreciation rights, and employee stock purchase plans. myStockOptions.com is written and managed by leading experts in equity compensation, and is produced by a company with a long history of successful publications explaining complex legal and financial subjects in plain English.

The accounting journal CPA Wealth Provider selected myStockOptions.com among companies "that have taken the lead through innovation, efficiency, initiative, or growth in the financial-planning area." The Specialized Information Publishers' Foundation honored MSO Pro with one of its Editorial Excellence Awards in the category of Best Interactive Content among niche publishers. The influential consumer magazine PC World ranks myStockOptions.com among "the most useful sites ever" that "deliver top-notch information, support, and services." myStockOptions.com also has a related site on nonqualified deferred compensation at http://www.myNQDC.com, and the staff created the successful insider trading prevention video series Think Twice, available at http://www.insidertradingvideos.com.

myStockOptions.com has also received extensive favorable coverage in the media, including BusinessWeek, The Wall Street Journal, The New York Times, the San Francisco Chronicle, and The Boston Globe, and on CNN/fn, National Public Radio, PBS, Money.com, and CBSMarketWatch.com.

For more information, please contact Bruce Brumberg and Matt Simon at 617-734-1979.

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BRUCE BRUMBERG
MYSTOCKOPTIONS.COM
(617) 734-1979
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