Holistic Planning - Matthew Fitzgerald

Holistic Planning - Matthew Fitzgerald https://holisticplanning.com/disclosures/

Holistic Planning provides investment advisory services through Uptick Partners, LLC, a registered investment adviser regulated by the Securities and Exchange Commission ("SEC").

08/22/2026

What about ?

08/19/2026

IPO Wealth: How to Protect Your Retirement After a Successful Exit

08/13/2026

For many executives and startup employees, their financial life is tied to one company.

Their salary comes from the company.

Their bonus comes from the company.

Their benefits come from the company.

And a significant portion of their wealth may be tied to the company’s stock.

That’s a tremendous amount of concentration risk.

Stock options can be an incredible opportunity to build wealth—but they shouldn’t become your entire financial strategy.

Whether you’re working for a public company or a startup, it’s important to think beyond the upside and ask:

• How much of my net worth depends on this one company?
• What happens if the stock declines?
• How does this fit into my long-term financial plan?

The goal isn’t to avoid opportunity.

It’s to participate in your company’s success without allowing one investment to determine your financial future.

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08/12/2026

Incentive Stock Options (ISOs) are often viewed as the “better” type of stock option because they may qualify for favorable long-term capital gains treatment.

But there is an important catch.

Exercising ISOs can create exposure to the Alternative Minimum Tax (AMT)—even if you haven’t sold a single share.

That’s why the question isn’t simply:

“Should I exercise?”

It’s also:

• What could my tax liability look like?
• Can I afford to hold the shares?
• Am I taking additional market risk while waiting for favorable tax treatment?

Good tax planning isn’t about chasing the lowest tax bill.

It’s about balancing taxes, investment risk, liquidity and your long-term financial goals.

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08/11/2026

Most people focus on what their stock options are worth.

Far fewer think about what exercising them could cost in taxes.

With non-qualified stock options (NQSOs), the difference between your exercise price and the current market value is generally treated as ordinary income when you exercise.

That means you could receive a meaningful tax bill—even if you don’t immediately sell the shares.

Before exercising, it’s worth asking:

• How much taxable income will this create?
• Do I have enough cash to cover the taxes?
• Should I sell shares to help fund the tax bill?
• Am I becoming too concentrated in my employer’s stock?

Stock options can td a valuable part of your compensation—but the exercise decision shouldn’t happen in isolation.

It should fit into your broader financial strategy.

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08/05/2026

Top 5 Estate Planning Mistakes

08/04/2026

What AI Cannot Replace in Financial Planning

08/03/2026

The Danger in Trusting AI With Your Financial Plan

07/31/2026

Can AI actually manage your financial planning?

Check out the full video on our YouTube channel!

06/25/2026

One of the biggest challenges many families face happens after the loss of a spouse — when the surviving spouse is suddenly left managing financial decisions alone for the first time.

In many households, one person naturally handles the investments, taxes, insurance, and financial coordination over the years.

But without proactive planning and organization, that transition can become emotionally and financially overwhelming.

Address

1785 W State Route 89A, Suite 2F
Sedona, AZ
86336

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Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

(928)2544000

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