About this episode

This episode discusses the complexities of stock options and RSUs, highlighting common pitfalls and strategic planning opportunities for high earners.

Stock options can feel like a reward… until tax season tells a different story. In this episode of the Savvy Series, Catherine and Rachel break down what stock options and RSUs really mean for your financial life—and why so many high earners get caught off guard. From hidden tax traps to costly planning mistakes, this conversation uncovers what most people don't realize until it's too late. Inside this episode: The key differences between ISOs, NSOs, and RSUs—and why it matters How the Alternative Minimum Tax (AMT) can create "phantom income" Why employer withholding is often not enough (and what to do instead) The risk of paying taxes twice if your strategy isn't coordinated How concentration in company stock can quietly increase your risk Smart timing strategies for exercising options and managing tax brackets The big takeaway: equity compensation isn't just a bonus—it's a planning opportunity. And without the right strategy, it can turn into an expensive surprise. If your compensation includes stock, this is a must-listen before you make your next move. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 3/26/26…

People in this episode

Hosts: Catherine, Rachel

Topics covered

• stock options
• RSUs
• tax planning
• financial strategy
• equity compensation
• investment risks

Keywords

• stock options
• RSUs
• tax traps
• AMT
• phantom income
• equity compensation
• financial planning

Mentioned in this episode

Organizations: Savvy Women Wealth Management

More episodes of Savvy Women Talk Money

• Hidden Cost Of Waiting And Timing Your Non Qualified Stock Options! · April 29, 2026 · 15 min
• What Is A Mutual Fund And When Should You Actually Use One? · April 22, 2026 · 15 min
• What Is A Bond And How Does It Create Income? · April 15, 2026 · 18 min
• What Is A Stock And How It Really Works · April 8, 2026 · 19 min
• Take Time To Review Your Tax Return And Understand What It Reveals About Your Income · March 25, 2026 · 19 min
• Before You Touch Your 401k After Leaving A Job Watch This First · March 18, 2026 · 14 min

Explore listener stats, chart rankings, contacts and more on the Savvy Women Talk Money podcast page.