103 episodes

Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com. Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration. Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Pennsylvania and in other jurisdictions where exempted.

The Mind Money Spectrum Podcast Aaron Agte and Trishul Patel

    • Business
    • 5.0 • 10 Ratings

Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com. Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration. Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Pennsylvania and in other jurisdictions where exempted.

    #103. Don't miss out on big savings during Open Enrollment Season.

    #103. Don't miss out on big savings during Open Enrollment Season.

    During Open Enrollment, make sure you opt-in to 401k, life, disability, and health insurance. You can figure out the details later.

    In this episode, Trishul and Aaron discuss common client concerns that surface during Open Enrollment Season. Each fall, you get inundated with plan documents from work. But now is a time when your seconds can save you hundreds or even thousands. Often, you need to opt-in to participate in your employer's health, disability, life, and retirement plan. Likewise, a company match on your 401k or a discount to your ESPP can even mean free money. So don't miss out before it's too late to act.

    Episode References

    Employee Benefits Guide
    HMO vs PPO
    Group Disability Insurance
    FAQs for Cafeteria Plans
    HSA vs FSA

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 50 min
    #102. Your guide to navigating the equity compensation jungle (inc. ISOs, NSOs, RSUs, & ESPPs).

    #102. Your guide to navigating the equity compensation jungle (inc. ISOs, NSOs, RSUs, & ESPPs).

    ISOs, NSOs, RSUs, and ESPPs all together.

    In this episode, Trishul and Aaron discuss alternative forms of employee equity compensation. In addition to ISOs, there are NSOs, RSUs, and ESPPs, and each one comes with different tax implications. Your employer can grant access you any combination of these plans. So then, how do you decide when to exercise and when to sell? You can choose to hold on to everything for the upside. Or you can sell everything as soon as possible to lock in your benefits. But most people end up somewhere in the middle, and that's where things get complicated.

    Episode References

    MMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.
    MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.
    MMS #101. ISO University: It's IPO Time! So now what do you do with your ISOs?
    Graystone Advisor - When do I Exercise my Incentive Stock Options?
    Graystone Advisor - You Should Probably Exercise Your ISOs in December
    Graystone Advisor - You Should Probably Exercise Your ISOs in January
    Graystone Advisor - How Do RSUs Work?
    XYPN: RSUs
    ESOP and ESPP
    myStockOptions.com: Holding Requirements for ISOs

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 58 min
    #101. ISO University: It's IPO Time! So now what do you do with your ISOs?

    #101. ISO University: It's IPO Time! So now what do you do with your ISOs?

    ISOs in late stage private companies and after going public.

    In this episode, Aaron and Trishul discuss what you can do with your ISOs to prepare for an upcoming liquidity event. At this point, investment risks are still high, so what's the best way to capitalize from here? First, you must consider the timing of exercise. Next, you need to evaluate if you will cash out or hold on for more upside. For most people, it is some combination of cashing out as soon as possible, exercising and selling in the most tax-efficient manner, and holding on to your options or shares for long-term gains.

    Episode References

    MMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.
    MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.
    Graystone Advisor - When do I Exercise my Incentive Stock Options?
    Graystone Advisor - You Should Probably Exercise Your ISOs in December
    Graystone Advisor - You Should Probably Exercise Your ISOs in January
    Stock Compensation and Taxes
    ISO vs NSO and 83b Election
    83b Election
    ISO Disqualifying Disposition
    AMT Preferences
    IRS: Underpayment Penalty
    Drag Along Rights
    Tag Along Right
    IRS: AMT
    AMT Credit

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 1 hr 1 min
    #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.

    #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.

    ISOs in the mid stage of a private company.

    In this episode, Trishul and Aaron discuss what you should look for when you've been at a private company for a few years. At this point, your ISOs may have climbed in value, so it's quite the balancing act. Not only do you need to factor in future investment risks, but also you need to analyze the impact of AMT. Furthermore, waiting to exercise can create a golden handcuffs scenario, which you want to avoid. Thus, it makes sense to exercise some ISOs each year. But don't exercise too many, or you'll end up with unintended consequences.

    Episode References

    MMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.
    MMS #33. If you have Incentive Stock Options, you need to listen to this episode.
    MMS #21. Why the VIX is useless.
    Graystone Advisor - When do I Exercise my Incentive Stock Options?
    Graystone Advisor - You Should Probably Exercise Your ISOs in December
    ISO vs NSO for 83b Elections
    $100k ISO Limitation
    83b Election
    ISO Disqualifying Disposition
    MyStockOptions.com
    Slack IPO
    AMT Preference Items
    IRS Underpayment Penalty

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 1 hr 2 min
    #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.

    #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.

    What should you look for when you first receive an ISO grant?

    In this episode, Aaron and Trishul discuss what you should look for when you begin working for a pre-IPO company and receive a grant of Incentive Stock Options. AMT isn't a concern just yet, but your investment risk is significant. Between QSBS and 83b elections, there are a few critical actions you can take right away. But most of the time, a "wait-and-see" approach will work just as well.

    Episode References

    MMS #33. If you have Incentive Stock Options, you need to listen to this episode.
    MMS #21. Why the VIX is useless.
    Graystone Advisor - When do I Exercise my Incentive Stock Options?
    XYPN: Your Guide to Stock Compensation
    Taxes: ISO $100k limits, 83b Election, Rule 3921, AMT Tax
    ISO vs NSO for 83b Elections
    ISOs and 83b Election
    $100k ISO Limitation
    83b Election

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 1 hr 1 min
    #98. Why do the rich keep getting richer? The shocking truth behind the Pandora Papers.

    #98. Why do the rich keep getting richer? The shocking truth behind the Pandora Papers.

    Pandora Papers: Round three of leaks behind the wealth for rich and famous.

    In this episode, Trishul and Aaron discuss the Pandora Papers. Similar to the Panama Papers leak from 2016, this new investigation further reveals how the wealthy and powerful use offshore tax havens to shelter trillions in assets. But how does this influence the average American? It turns out its impact on you and your family is more extensive than you think. This latest exposure illuminates a significant global issue, but highlighting a concern is only the first step in combating a problem.

    Episode References

    MMS: #37. How to get rich and never pay a dollar in taxes.
    ICIJ: Pandora Papers
    ICIJ: Pandora Papers FAQ
    Reddit: Pandora Papers
    Ireland increase in corporate tax rate affects Facebook, Google, Apple
    PanamaPapers.org
    Anonymous Trust
    Wiki: Panama Papers
    Wiki: Paradise Papers
    Wiki: Pandora Papers
    Pressure mounts on leaders revealed in Pandora Papers leak
    How Many Billionaires are There in the World?
    All of the World's Wealth in One Visualization

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 46 min

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