If you're changing jobs, you're probably focused on your new salary, bonus, and equity package. But a career transition can also create one of the most valuable tax-planning opportunities of your career.

In today's episode of The Abundance Mindset, Ben and Allison break down:

· How a job change can create unique tax-saving opportunities

· When a lower-income year may make Roth conversions more attractive

· Common 401(k) mistakes people make when changing employers

· How to evaluate Roth vs. pre-tax contributions in your new plan

· What to do with existing RSUs, stock options, and company stock holdings

· Why equity compensation schedules can dramatically impact tax planning

· How stock sales and capital gains interact with your overall tax picture

· Benefit decisions to revisit, including HSAs and disability coverage

· Real client case studies showing how proactive planning can improve outcomes

Whether you're moving to a new company, negotiating a compensation package, or simply want to avoid costly mistakes during a transition, this episode will help you think about a job change as more than a career decision. It's a financial planning event that deserves a strategy.

⏱️ TIMESTAMPS

00:00 The Job Change Tax Window

00:58 Why Job Changes Matter

03:38 Income Gaps And Timing

05:27 Case Study: Military To Big Tech

06:25 401k Strategy Reset

08:09 Avoid Overcontribution Errors

09:38 Equity Mapping And Sales

10:57 Capital Gains Interactions

12:32 Withholding And CPA Support

13:12 Planning Event Not Checklist

14:00 Case Study: Big Tech Switch

18:23 Benefits Analysis

19:34 Wrap Up

🎯 RESOURCES FROM THIS EPISODE:

• Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact
• Visit our website to request a complimentary consultation: https://www.abundancewm.com

DISCLAIMER

The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management.

Hosted on Acast. See acast.com/privacy for more information.

: Have you spent years accumulating company stock only to realize that selling it could trigger a massive tax bill?

For many professionals, RSUs, options, and employee stock purchase plans can quietly grow into a concentrated position that creates both opportunity and risk. The stock has performed well, but now a significant portion of your net worth may be tied to a single company, and diversifying could come with substantial capital gains taxes.

In this episode of The Abundance Mindset, we dig into advanced planning and investment strategies designed to offset capital gains in extreme circumstances. We also discuss how this strategy compares to more traditional solutions such as selling shares over time, charitable gifting, and regular tax loss harvesting strategies.

If a successful stock position has left you wondering what to do next, this episode will help you move beyond the tax implications and focus on creating a strategy that supports your broader financial goals.

⏱️ TIMESTAMPS

00:00 The Concentrated Stock Problem

00:54 A Stock Picking Story

02:28 Why Taxes Get Messy

04:00 Key Terms to Know

05:52 The Long/Short Strategy

07:51 Sell Now or Spread It

11:46 Charitable Stock Gifting

13:01 Pressing the Tax Gas

16:01 When to Use the Tax Loss Maximizer

16:52 How the Strategy Works

19:26 Costs Versus Savings

21:10 Your Next Steps

🎯 RESOURCES FROM THIS EPISODE:

• Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact
• Visit our website to request a complimentary consultation: https://www.abundancewm.com

🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube (link)

DISCLAIMER

The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management.

Hosted on Acast. See acast.com/privacy for more information.

If you receive RSUs, stock options, or ESPP shares as part of your compensation, tax withholding may be covering the bill, but it isn't necessarily optimizing your financial strategy. In this episode of The Abundance Mindset, Ben and Allison explain why equity compensation requires more than just withholding taxes and how high earners can build a financial operating system that coordinates tax planning, investment decisions, and long-term wealth building.

In today's episode, Ben and Allison break down:

• Common misconceptions about RSUs, tax withholding, and proactive tax planning

• Why equity compensation can create unexpected tax opportunities and tax surprises throughout the year

• How stock vesting, capital gains, and changing income levels impact your broader financial plan

• The importance of tax projections, stock sale policies, and year-round planning for high-income professionals

• How financial advisors and CPAs can work together to improve tax efficiency and decision-making

Whether you're accumulating company stock, managing concentrated positions, or trying to get more intentional about your tax strategy, this episode will help you think beyond individual stock decisions and focus on building a system that supports your long-term financial goals.

🎯 RESOURCES FROM THIS EPISODE:

· Take our 3-minute Equity Comp Quiz & get your free strategy assessment: https://tally.so/r/np92p8

· Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact

· Visit our website to request a complimentary consultation: https://www.abundancewm.com

🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube: https://youtu.be/VR81WAK5g9g

DISCLAIMER

The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management.

Hosted on Acast. See acast.com/privacy for more information.