Non-qualified Stock Option Exercise and Social Security Benefits

Review your beneficiaries for your equity awards—as well as your retirement accounts—on an annual basis. Discussion in 'Tax' started by baumgrenze, Apr 30, Fidelity disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Smart spending The right way reduces taxes, avoids penalties, and doesn't jeopardize financial aid. Options Profits as Capital Gains When you exercise stock options that you bought on the market, any profits you make are considered capital gains. Should your company's fortunes take a turn for the worse, you could find yourself out of a job, with no health insurance and a depleted nest egg. Typically, there is a vesting period ranging from 1 to 4 years, and you may have up to 10 years in which to exercise your options to buy the stock.

Don't delay exercising your stock options to the last minute, waiting for the stock price to go up. If you miss the deadline, your stock options will expire worthless. If you leave your company due a new job, a layoff, or retirement, you will typically have no more than 90 days to exercise any existing stock option grants.

Key takeaways

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Social Security Rules

The Difference in Taxation of Employee Stock Options Incentive and Non-Qualified Options Are Taxed Differently. If you hold the stock after exercise, and additional gains beyond the spread are achieved, the additional gains are taxed as a capital gain Find out If Balanced Funds Are a Good Choice for Retirement Money. May 02,  · I hope that this question is not considered 'off topic.' I have some questions about exercising a non-qualified stock option after retirement. The exercise of a second type of options, non-qualified employee stock options, may affect the amount of Social Security benefits you receive before you reach full retirement .