Andrea and Mike were a power couple, both earning over six-figures working in technology, they had two perfect kids, ages 7 and 9, and they still found time to volunteer at a local soup kitchen! Hate them yet? :)
Andrea is an HR rockstar who has just been promoted to Senior Director at her company. Mike is a VP of Sales for a Software as a Service (SAAS) company. Andrea’s promotion means an increase in responsibility, more travel—and a large grant of RSUs (restricted-stock units) and non-qualified stock options. Mike has also received 40% of his compensation via ISOs (incentive stock options).
During our free consultation, Andrea and Mike asked us for investment advice.
How much of their stock should they keep? How much stock should they sell? Where should they invest the proceeds?
But before we could answer that question, we asked them something that shifted the focus of the whole conversation: