Werba Rubin Papier Wealth Management

WRP Wealth Rocks Out at the Stern Grove Festival!
We had a blast celebrating summer with the vibrant San Francisco community!

WRP Wealth was proud to be a sponsor of this iconic event, bringing free music to the heart of the city.

Seeing the joy on everyone's faces as they enjoyed the music under the sun was truly rewarding. We're committed to supporting events that enrich our community and celebrate the arts.

Here's to a fantastic summer season!

In this article, we’ll explore the benefits of donating stock and how to make sure your donation provides the best possible benefit to your charitable beneficiaries while reducing your tax obligation.

Making Donations of Company Stock Carefully planning your charitable gifts could allow you to give more away while also keeping more for yourself. Learn how.

A lockup period is a window during which company insiders like employees and executives are prohibited from selling their shares. Typically required by the underwriting contract, the lockup period often lasts 180 days but may be shorter or longer.

When Can I Sell My Company Shares? When can you sell your company stock? If you own shares in your company, you will probably be subject to a lockup period immediately following its IPO.

Unlike the big financial management firms, WRP takes a personalized approach to financial management. We get to know each of our clients and craft unique plans to fit their individual goals, priorities, and risk tolerance.

Financial Planning | Werba Rubin Papier | Silicon Valley Clarify your financial goals and create a strategic, personalized, and tax-efficient plan to achieve them with WRP financial management services.

Exercising stock options early can be risky, so it’s important to understand what you could lose as well as what you stand to gain. Here are five tips for deciding whether and when to early exercise your company-awarded stock options.

5 Tips for Early Exercise of Stock Options If your company offers you stock options as part of your compensation package & allows you to exercise those options before you vest, follow these 5 tips.

When the market turns bearish, investors want to know how they can best protect their assets and secure their financial future. Consider the following questions when deciding what to do with your stock options while the market is down.

Stock Option Strategies for Navigating Downturn A down market could provide a good opportunity to exercise stock options. Ask yourself these questions before making your move.

WRP takes a personalized approach to investment management, getting to know your individual goals and risk appetite to develop a unique portfolio and driving it with academically proven investment strategies.

Investment Management | Werba Rubin Papier | Silicon Valley Discover how WRP personalizes the investment management process to build an investment strategy specific to your individual goals and risk appetite.

It’s common for startup executives to plan to sell shares to cover major expenses such as taxes that are due for the previous year’s options exercise or buy a new home. While this can be a useful strategy, it’s essential to plan your share sales carefully.

Your Stock Options Are Like Avocados, Part 2 - Are You Ready to Make Guacamole? Knowing when you can cash-in on your Pre-IPO shares is vital to your financial plan as a whole. Explore how WRP can help design and implement this plan.

Managing your 401k accounts effectively is crucial to securing a stable financial future. Many people either overlook their 401k accounts or leave them unmanaged, especially those from previous employers. This can result in missed opportunities for growth and optimization.

Maximize Your Retirement Savings with Professional 401k Management Learn the importance, benefits, and impact of expert management on your financial future.

Charitable contributions to benefit causes overseas can make a tremendous impact on people’s lives around the world. When supporting international charities, however, there are more factors to consider than when you give to charities that operate solely in the U.S.

What Should I Consider Before Donating to a Foreign Charity? Charities overseas have a profound impact, but before you decide where to put your charitable dollars, there are important factors to consider.

When your company has finally gone public, it’s important to reassess your financial goals and priorities through the lens of your new circumstances. If you don’t yet have an IPO wealth management plan, here are 3 reasons to get started now.

3 Reasons You Need a Wealth Management Plan After Your Company’s IPO Learn the 3 reasons why you need a wealth management plan after your company's initial public offering (IPO).

WRP will help you clarify your financial goals and make a strategic, tax-efficient plan to reach them. Then, we’ll drive your personally tailored financial plan with evidence-based strategies and meet with you regularly to ensure you remain on track.

Financial Planning | Werba Rubin Papier | Silicon Valley Clarify your financial goals and create a strategic, personalized, and tax-efficient plan to achieve them with WRP financial management services.

The most common ways executives and employees are able to sell their private company shares is through IPO, S**C acquisition, or direct listing on a public exchange. However, companies can also create opportunities for their employees to sell their shares even before these types of liquidity events.

Non-IPO Stock Options Liquidity Opportunities You may have the opportunity to sell stock options before your company reaches IPO, but should you? Here are some factors to consider.

WRP serves a wide range of investment clients, from those just starting out in pre-IPO companies to retirees. We can provide expert guidance for all of your investment planning needs, including asset management, retirement planning, and more!

Investment Management | Werba Rubin Papier | Silicon Valley Discover how WRP personalizes the investment management process to build an investment strategy specific to your individual goals and risk appetite.

To clarify the obligations of insiders and make it simpler for them to make legitimate trades, the U.S. Securities and Exchange Commission (SEC) adopted Rule 10b5-1 in August 2000. The rule allows company insiders to set up plans for making trades while avoiding the appearance of insider trading.

Common Questions About 10b5-1 Trading Plans Employing a 10b5-1 trading plan can be a very confusing and tricky strategy. Explore how WRP's expertise and guidance can help during this time.

When you work for a startup, IPO is an immensely exciting time. Typically, however, company insiders aren’t allowed to sell shares at IPO. Even if it’s allowed, selling at IPO isn’t usually the best financial choice.

How to Get Cash from Your Stock Without Selling at IPO Understand why selling at IPO might not be the best choice for startup equity holders. Explore alternatives & financial strategies for post-IPO gains.

Grantor retained annuity trusts (GRATs) are frequently used in estate planning for wealthy individuals who wish to make sizable financial gifts to family members. To determine whether a GRAT could benefit your family, you need to understand how the gift and estate taxes work and how a grantor retained annuity trust can help avoid them.

Can a GRAT Help Me Pass More Wealth to My Heirs? Grantor retained annuity trusts can allow an individual to transfer more wealth to their heirs free of gift and estate taxes.

When you work for a startup, IPO is an immensely exciting time. Executives and employees who have been receiving equity compensation may be looking forward to IPO day in anticipation of a big payout. Typically, however, company insiders aren’t allowed to sell shares at IPO.

How to Get Cash from Your Stock Without Selling at IPO Understand why selling at IPO might not be the best choice for startup equity holders. Explore alternatives & financial strategies for post-IPO gains.

WRP specializes in helping executives and employees of pre-IPO companies navigate the complex planning and tax issues surrounding stock options. After IPO, we’ll continue to be there to help you strategically build and manage your wealth.

Financial Planning | Werba Rubin Papier | Silicon Valley Clarify your financial goals and create a strategic, personalized, and tax-efficient plan to achieve them with WRP financial management services.

What happens to your stock options if you’re laid off? In this article, we’ll describe some possible answers to this question, identify the information you’ll need to find in your plan agreement, and discuss considerations when deciding whether and when to exercise.

What Happens to My Stock Options If I'm Laid Off? If you have stock options and have been laid off, can you still exercise them? Learn how to determine the status of your options after a layoff.

If you’re receiving stock options as part of your compensation, it’s important to understand how they work and the steps you need to take to make the most out of this opportunity. In this blog post, we’ll provide an overview of stock options and the process of exercising and, ultimately, selling them.

Maximizing Your Financial Potential: Understanding and Exercising Stock Options If you have employee stock options but aren’t sure how to manage them, this article is for you. Learn the basics of stock option exercise, sale, and taxes.

Restricted stock units (RSUs) are a type of stock that companies often grant to employees as an incentive to remain with the company and contribute to its growth. Unlike stock options, RSUs do not have to be exercised; instead, they vest (become full property of the employee) according to the schedule described in the grant agreement.

Tax Implications of RSU Double-Trigger Acceleration Double-trigger RSUs can create substantial tax challenges. Learn about RSU taxation and how to minimize its sting.

Werba Rubin Papier is proud to have Jason Papier co-chair the Family Wealth Alliance's 2024 Summer Gathering: Elevating Women in Family Wealth. This key industry event (Boston, Aug 1st) tackles crucial topics like:

· Leadership & EQ/IQ
· Aligning Wealth with Purpose
· Investing for Women's Success
· The Changing Landscape of Family Wealth
· Social Impact Investing

Open to members & non-members! Learn more & register: https://hubs.ly/Q02zHpCR0

Diversification is a key element of any investment strategy. For startup employees receiving equity compensation, however, diversification can be challenging. In this article, we’ll discuss why diversification is important as well as some ways startup employees may be able to reduce their concentrated positions in their employers’ stock to diversify their portfolios.

The Importance of Diversification Diversification is an important part of protecting your investments, but this can be tricky for pre-IPO employees. Find tips on our blog.

One question that executives and employees frequently pose during the portfolio planning process is related to RSU shares: Should I leave my RSU shares as they are, or is now the right time to sell?

Are RSUs Stagnating Your Portfolio Potential? When are the best times to sell your RSU shares? It depends on your financial goals and the market conditions at the time.

If your values include charitable giving, making donations of stock can be much more cost effective than donating cash. When you sell stock, profits from the sale are typically subject to capital gains tax. If, on the other hand, you donate shares directly to charity, you avoid taxation on the sale.

Making Donations of Company Stock Carefully planning your charitable gifts could allow you to give more away while also keeping more for yourself. Learn how.

The law doesn’t provide any special protection for employee stock options. Your authoritative resource for understanding the details of your equity compensation package, including what happens in case you’re laid off, is your plan agreement. In this article, we’ll describe some possible answers to this question, identify the information you’ll need to find in your plan agreement, and discuss considerations when deciding whether and when to exercise.

What Happens to My Stock Options If I'm Laid Off? If you have stock options and have been laid off, can you still exercise them? Learn how to determine the status of your options after a layoff.

As your company progresses towards an IPO, you will have many important choices to make. WRP will keep you informed of critical deadlines and provide the guidance you need to make the most of the opportunities before you.

IPO Stock Options Planning | Werba Rubin Papier The pre-IPO process is complex. WRP provides expert advice and guidance with IPO stock option planning to find the opportunities right for your company.

For employees who own equity in their companies, the approach of IPO day is filled with excitement. Along with the possibility of newfound wealth, however, comes the prospect of a sizeable tax bill. If your company is on the path to public offering, you may be wondering how this event will impact your tax liability.

Will I Owe Taxes When My Company Goes Public? How your company’s public offering will affect your taxes depends on several factors. Learn what you should know on our blog.