The Executive Financial Planning Podcast

The AMT Trap: How One Stock Option Exercise Can Blow Up Your Tax Return

You exercise your incentive stock options. You don't sell a single share. No cash ever hits your account — and then your accountant calls with a six-figure tax bill on a "gain" that exists entirely on paper. That's the Alternative Minimum Tax, and for anyone holding ISOs it's the most expensive surprise in equity compensation. In this episode, Matthew Daugherty sits down with AJ Ayers — partner at Brooklyn FI and one of the sharpest minds working in incentive stock options — to break down how AMT gets triggered, why the spread between your strike price and fair market value becomes a tax bomb, and the planning moves most people miss: early exercise, the AMT "gap," QSBS, and the credit you may be able to claw back later. The difference between a tax-free windfall and years of installment payments usually comes down to decisions made before you exercise — not after. If you hold ISOs, or you're leaving a public company for a startup convinced it's your big payday, hear this first. Creative Money by AJ Ayers: 9798217180462 | PenguinRandomHouse.com: Books [https://www.penguinrandomhouse.com/books/808718/creative-money-by-aj-ayers/]

Why the Wrong Tax Preparer Could Be Your Most Expensive Mistake

Teaser Episode: Matt shares a sneak peek into this Friday's episode with AJ Ayers about how having the wrong tax preparer in place could be one of the costliest tax mistakes you can make.

Mom needs Care. Where should we go?

Choosing the right assisted living facility for a parent or loved one can be one of the most overwhelming decisions a family can make. In this week's episode Matt is joined by guest Anthony Coleman of CarePatrol to discuss how to navigate the process. Whether you're planning for the future or in the process of exploring options, this episode provides expert insights to make the right decision based on your family's needs and circumstances.

The Nursing Home is Going to "Take" All of My Money

You've spent decades building wealth and one health crisis could wipe it all out. In this episode, host Matt Daugherty breaks down what long-term care actually costs along with options for paying out of pocket versus Medicare, and why "spending down" is often the most expensive strategy you never chose. Is long-term care insurance the right choice for you or your loved one?

The Biggest Expense You’ll Have in Retirement Isn’t What You Think

Teaser Episode: Matt shares a look into next week's episodes focused on long term care during retirement. Don't leave one of the biggest retirement expenses to chance, instead tune in to learn more about paying for long term (nursing) care and how to find the right fit for yourself or your loved one.