Key Findings From E*TRADE’s Annual Stock Plan Participant Survey

POSTED ON December 30, 2019 BY Bill Dillhoefer

Here are the key findings from the E*TRADE 2019 survey of stock plan participants. Stock plan benefits drive participants’ perception of ownership and recognition: 59% say “my stock plan provides me with a sense of ownership in the company” 59% believe “My contributions to my company’s performance are acknowledged through the equity grants I receive“ […]


Survey Says Stock Plan Participants Need Advisor Assistance

POSTED ON November 29, 2019 BY Bill Dillhoefer

According to new research from Schwab Stock Plan Services, the average vested value of U.S. workers’ equity compensation is $97,711 and the average total value of their equity compensation is $149,835. The study, which examines the attitudes and behaviors of 1,000 equity compensation plan participants who currently receive employee stock options or restricted stock awards […]


Insight Ratio: The Stock Option Exercise Secret

POSTED ON August 14, 2019 BY Bill Dillhoefer

Determining the right time to exercise and sell  one’s employee stock options is the key to maximizing the value of this benefit. Stock options are granted at a fixed grant price that must be exercised after vesting and prior to the expiration date to realize their value. During the time between vesting and expiration (usually […]

Stock Plan Participant Attitudes

Age, Gender, and Stock Plan Participant Attitudes

POSTED ON June 3, 2019 BY Bill Dillhoefer

As one of the first surveys to report statistics by gender as well as age, the recently released biennial Fidelity Stock Plan Services Participant Survey highlights a unique opportunity for advisors to provide equity compensation guidance and education to not one, but two niche groups. Women While 66% of men reported understanding their stock plans […]


Maximizing Restricted Stock Awards

POSTED ON April 3, 2019 BY Bill Dillhoefer

Financial advisor and StockOpter user Megan Gorman in her Forbes article How A Restricted Stock Strategy Can Maximize Your Wealth has some great tips for restricted stock recipients. Megan explains “Restricted stock is simply shares issued to an employee that cannot be transferred to them until certain conditions have been met. These conditions can be […]

Eggs In a Basket Photo by Natalie Rhea Riggs on Unsplash

Modeling Owned and Restricted Share Diversification Scenarios

POSTED ON January 22, 2019 BY Bill Dillhoefer

IMAGE: Natalie Rhea Riggs / Unsplash Advisors and their clients with sizable holdings of employer stock will both benefit from systematic share diversification of these positions. For the client it means reduced risk and peace of mind, and for the advisor it means additional assets under management. Most executives will agree that concentrated company stock […]



POSTED ON November 14, 2018 BY Bill Dillhoefer

IMAGE: Gemma Evans/ Too often I hear from financial advisors that their clients are considering exercising their non-qualified employee stock options (NQSOs) early (i.e. several years prior to expiration) and holding the shares for at least 1 year to get long term capital gains tax rates when they sell the shares. This may seem like […]


Infographic: 5 Things You Should Know About Your Employer Stock & Options

POSTED ON October 1, 2018 BY Bill Dillhoefer

This infographic can be used to promote professional equity compensation guidance to clients and prospects that receive company stock and options. These five concepts are included in the client deliverables.  They have proven to be very effective at engaging stock plan recipients and helping them to make timely, informed and profitable decisions. These concepts […]

Glasses On Newpaper IMAGE: Nonwarit / 123RF Stock Photo

8 Terms To Understand Regarding Your Stock Compensation

POSTED ON November 3, 2017 BY Bill Dillhoefer

IMAGE: Nonwarit / 123RF Stock Photo If you have recently started receiving stock compensation from your employer or are considering going to work for a new firm that offers equity as part of their compensation package, here are eight terms that you may need to understand. 1) Stock Options: If you receive employee stock options, […]


Four Financial Ideas on Your Work Anniversary

POSTED ON September 21, 2017 BY Bill Dillhoefer

By David C. Gratke, Principal at Gratke Wealth, LLC It’s another work anniversary and a good time to reflect on where you are in your career both professionally and financially. It couldn’t be a better time to also take stock of where your overall financial plan is currently, and whether or not you are on […]