The 83(b) Election: When It Saves You
A single form, filed within 30 days, can save a founder thousands in taxes — or backfire if the stock never pays off. How to think about the 83(b) election.
Read Article →Plain-language thinking on wealth management, fiduciary planning, equity compensation, retirement strategy, and the decisions our clients face most often. Written by the Skyview team.
A single form, filed within 30 days, can save a founder thousands in taxes — or backfire if the stock never pays off. How to think about the 83(b) election.
Read Article →Moved to Florida from a high-tax state? You can convert pre-tax savings to Roth and pay no state tax — if you manage the gap years and IRMAA.
Read Article →Two employees can hold the same options and owe very different taxes. A plain-English guide to incentive vs. non-qualified stock options, the AMT trap, and when to exercise.
Read Article →Restricted stock units are withheld at a flat 22% — often far below your real tax rate. Here's how the under-withholding trap works and how to avoid a surprise IRS bill.
Read Article →A new provision in the Secure Act 2.0 allows beneficiaries of 529 college savings plans to roll unused funds into a Roth IRA tax-free. Here's a complete guide to the five conditions you need to meet.
Read Article →A strategic approach to tax-efficient retirement savings — particularly valuable for high earners whose income exceeds traditional Roth IRA contribution limits.
Read Article →A Health Savings Account is the only account in the U.S. tax code with a triple tax advantage. Here's how to transform yours from a healthcare account into a retirement powerhouse.
Read Article →The decisions you make in the three years leading up to a business sale shape the post-sale life that follows. A practical guide to what to put in motion — and when.
Read Article →For executives with significant company stock, a properly structured 10b5-1 plan creates a rules-based pathway to diversification that protects both you and your portfolio.
Read Article →Where you hold investments matters as much as which investments you hold. We walk through how to think about taxable, tax-deferred, and tax-free account placement.
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