Скачать или смотреть Stop Guessing: A Real Exit Plan for RSUs, Stock Options & Deferred Comp

Most people “ride it out” with RSUs, options, ESPP and deferred comp—then get hit by concentration risk, bad tax timing, and zero liquidity when they need it most. This video gives you a real exit plan: a sell cadence, a funded Freedom Account, and tax-aware moves (NUA, AMT, NQDC ladder) so your career and money stop being the same bet.

In this video:

The trap: concentration + illiquidity—why “worth a lot” ≠ usable

A simple sell cadence for RSUs / ESPP / options (Q1–Q4)

The Freedom Account (liquid, diversified brokerage) that buys choice

NUA (Net Unrealized Appreciation): when it saves tax vs when it backfires

NQDC: ladder payouts to avoid bracket spikes (don’t lump-sum for sport)

A 10-year exit map to shrink single-stock risk to ~20%

Year-end actions: tax-loss harvest, ISO/AMT timing, NQDC elections, charitable bunching

Common mistakes vs guardrails (and the hard 20% cap on employer stock)

Free resources & next step:
• Free guide — The Liquidity Paradox: https://wealth.newhorizonsbfs.com/fre...

• Book a 30-min Strategy Session (NHBFS): https://wealth.newhorizonsbfs.com/spe...

• Contact: [email protected]
• https://www.newhorizonsbfs.com/

Disclosures: Education only—not tax/legal advice. Coordinate moves (NUA, ISO/AMT, NQDC, Roth, charitable) with your CPA/attorney.

00:00 Why you need an Exit Plan (not hope)
00:35 The trap: concentration + illiquidity
01:20 RSUs/ESPP/Options — sell cadence (Q1–Q4)
02:20 Fund the Freedom Account (liquid brokerage)
03:05 NUA: save tax or backfire?
03:55 NQDC ladder: steady income, fewer spikes
04:35 10-year exit map (60–80% → ~20%)
05:20 Year-end actions you can’t miss
06:05 Mistakes vs guardrails (and the ~20% cap)
06:45 Quick FAQs + CTA

equity compensation, RSUs, stock options, ISOs, NSOs, ESPP, NUA, NQDC, deferred comp, AMT, tax loss harvesting, exit plan, concentration risk, diversification, brokerage account, freedom account, retirement planning, financial planning, New Horizons BFS, Garrett Engman

#EquityComp #RSU #StockOptions #DeferredComp #NUA #AMT #RetirementPlanning #TaxPlanning #NewHorizonsBFS