Beyond Wealth

07/13/2026

RSUs, ISOs, and NSOs: The Tax Basics

Equity compensation can be a major part of executive pay, but each type is taxed differently.

RSUs:

- Taxed at vesting
- Value is treated as ordinary income
- Remaining gains after vesting = capital gains

NSOs (Non-Qualified Stock Options):

- Taxed when you exercise
- Tax is on the “spread” (fair market value minus strike price)
- Post-exercise growth = capital gains

ISOs (Incentive Stock Options):

- No ordinary income tax at exercise (in most cases)
- If holding rules are met, gains may be long-term capital gains
- May trigger Alternative Minimum Tax (AMT)

Before exercising options or selling vested shares, consider how the decision affects cash flow, tax withholding, AMT exposure, and concentration risk. Bottom line: Timing drives taxes and planning around exercise and vesting can make a difference.

07/08/2026

Questions we often hear from professionals navigating their financial lives:

- How do I optimize my employee benefits and equity compensation?
- How can I budget for variable income, commissions, or bonuses?
- How will my finances evolve as my career progresses?
- Am I making the most of my stock options and RSUs?
- How can I minimize taxes while growing my wealth?

They're financial and life questions that shift as your career, income, and priorities change.

The right planning approach helps bring clarity to each of them so decisions feel more intentional and less reactive.

If these questions sound familiar, start the conversation here:
beyond-wealth.com/contact-us

07/06/2026

Charitable giving often starts with a generous impulse: a fundraiser, an auction, a request from someone you care about.

But for high-income professionals and business owners who want their giving to reflect their values, support important causes, and fit within their broader financial plan, generosity can benefit from a more intentional framework.

In his latest article, Andrew Comstock, CFA®, shares the principles that guide thoughtful charitable gifting, including how to clarify your purpose, think long-term, evaluate giving vehicles, and use philanthropy to pass values on to the next generation.

Read more:

Andrew Comstock, CFA®, shares the key principles for building a strategic, values-driven charitable giving framework. Beyond Wealth, Overland Park, Kansas.

07/01/2026

As we head into the Fourth of July, we’re reminded that independence is a historical milestone, as well as something many families can think about in a financial sense.

True financial independence doesn't look like a specific account balance or a certain moment in time. It’s having clarity, control, and confidence in the decisions that shape your future.

For some, that means stepping back and asking:
• Are our financial choices aligned with the life we want to live?
• Have we built a plan that supports both today and long-term goals?
• How do we want wealth to support our family across generations?

These are the kinds of questions that often come up in planning conversations, especially when families start thinking beyond accumulation and toward purpose.

Wishing you a safe and fun 4th of July with your favorite people.

06/29/2026

Great financial advice starts with a conversation.

What are you trying to build? What keeps you up at night? What does "enough" actually look like for you and your family?

Those answers shape every recommendation we make at Beyond Wealth, because a plan that isn't built on your real life will never feel like yours. We lead with listening, then we build the strategy, not the other way around.

If you've been working with someone who leads with products instead of questions, it might be time for a different conversation.

06/24/2026

Your most valuable asset isn't your portfolio. It's your ability to earn.

For professionals in their prime earning years, future income is worth millions over a career—yet it's often the most overlooked part of the financial picture. Employer disability coverage rarely replaces enough, especially if bonuses or equity comp make up a big share of your pay.

Prioritizing an income that can withstand the unexpected is what keeps every other goal you're working toward on track.

Let's find out if your foundation is solid: beyond-wealth.com/contact-us

06/22/2026

For business owners, your company is often your biggest asset and your biggest concentration risk.

Years of reinvesting back into the business build real value, but they can also leave your personal wealth tightly tied to a single outcome. A great exit, a slow quarter, or an unexpected event can change everything.

Diversifying beyond your business isn't disloyalty to what you've built, it's preserving what it's already given you, and creating optionality for what comes next.

Read more on building wealth outside your business: beyond-wealth.com/diversify-wealth-beyond-your-business

06/18/2026

With Father's Day around the corner, we're thinking about the dads building more than a portfolio.

The ones modeling discipline. Teaching their kids what money is for. Choosing the long game so the next generation has a head start and a clearer perspective.

Legacy isn't just what you leave but what you live in front of them today.

Happy early Father's Day from the Beyond Wealth team.

06/17/2026

Giving generously is one thing. Giving strategically—in a way that reflects your values, fits your financial plan, and shapes your family’s legacy—is another. Here’s the framework Andrew uses with clients at Beyond Wealth.

Andrew Comstock, CFA®, shares the key principles for building a strategic, values-driven charitable giving framework. Beyond Wealth, Overland Park, Kansas.

06/15/2026

For high earners, taxes can be the silent compounding cost on your portfolio.

A few often-underused strategies: asset location across taxable and tax-deferred accounts, tax-loss harvesting, Roth conversions in lower-income years, and giving appreciated stock instead of cash.

The right mix depends on your full picture. There's no one-size-fits-all here.

If "tax-efficient" hasn't been part of the conversation with your current advisor, let's talk.