Your company's 409A and your exercise price are likely the same. The $ values for exercisable options are calculated using the spread between the company’s current 409A and the grant’s exercise price. You would have to pay a $ amount equal to what the shares are currently worth in order to own them.
The determination of cancelled shares is done by the “Expiration after termination” field. Normally stock options expire 90 days after you leave a company, but many companies have started to increase that window of time. If you change this data field to something longer than 90 days (i.e. 5 years), your options will correctly appear as exercisable.
Log into your E-Trade account and navigate to the holdings tab. Once there, you should see all your different grants & holdings. Near the top of the page, you will see a button that says “Download Expanded”. Clicking this will download a CSV with all of your different equity grants and their monthly or quarterly vesting schedules.
An easy work around here is to only add in your unvested shares. Since the RSUs you have already added will be accounted for in the brokerage account you have linked, adding only the unvested equity allows your net worth to be accurate and the modeling tool to work as expected.
Our Carta integration can only sync one account at a time. If you provide us with your grant information, we can add it in manually and ensure that your company equity is being reflected accurately.
To login without going through Okta, please go to the Shareworks website and follow the steps below:
Double-trigger RSUs have both a time-based and liquidity-based vesting component. While you may have vested your RSUs based on how long you have worked for your employer, you have not fully vested them until your company is public. You need to change the “Projected Liquidity Date” in the modeling tool. Once you change that date, you will be able to sell your RSUs.
We group all of your vested RSUs for a calendar year under a single line item per grant. We also create a line item for RSUs vested at IPO. This makes the modeling tool easier to use and allows you to simulate the tax impact of vesting and selling RSUs at varying price points over future years. Vested RSUs are treated as ordinary income from a tax perspective, so we accurately calculate the taxes associated with RSUs vesting at variable prices over a multi-year horizon. The caveat here is that we only allow RSUs to vest at a single FMV in a single year (excluding an IPO year).
The modeling tool is meant to be used on a go-forward basis. Any historical sale events should be added by clicking into the corresponding stock certificate on your Company Equity page.
To sync these providers with Plaid, you have to create an app-specific password.
When you sync an account, everything within that account is pulled into the asset class for that designated account. This means that any crypto within your Robinhood account will be reflected with the rest of that account in the Public Investments line item.
In order to use Compound’s Equity Simulator tool, you must add in your company equity in the appropriate section. Since your company does not use Carta or Shareworks, you will have to add this in manually.
Compound allows you to directly connect your Coinbase account; we will also be launching direct Ethereum and Bitcoin integrations soon.
For other accounts, you can manually add your holdings by token. For most tokens, we'll directly update the value of your account based on live prices from CoinGecko.
Unfortunately, we do not currently have an integration with Coinbase Pro. Our direct Coinbase integration is only for the general, consumer Coinbase product.
We are working on adding Coinbase Pro support soon.
We treat each round that you have invested in as a separate line item. While we are constantly working on improving our product, we believe this is the best functionality currently. Our default view is to sort your investments by issue date, so that you can easily see how much capital you have put into private investments on an annual basis. You should add each of these rounds as their own line item. This also allows you to edit the entity you used to invest, or how you invested.
The most likely reason for this is historical exercise or sale events. For example, if you exercised a ton of NSOs earlier this year that had a large spread between the exercise price and your companies 409A, we would be accounting for that income in the AGI number that we are showing for this year.
If the drop in net worth is affecting the “Company Equity” portion of your net worth composition, it is likely due to the equity strategy you have applied. If you are holding vested options in the equity strategy that you have not exercised yet (and do not exercise in the strategy), they may be expiring in the future, causing your net worth to drop.Once expired, they are removed from the vested options line item. This problem will only occur for previous employers.
You can add your spouse as an authorized user on your dashboard. After logging into your Compound dashboard click on “Settings” on the left hand side of the screen. Navigate to “Account and billing” and enter your spouse’s information into the “Add an authorized login” section.
While both portfolios are designed to achieve global diversification, the model portfolio does this at an ETF/index level and the Intelligent Investing portfolio does this at a company level (holding the underlying companies of a specific index vs. the index itself). The added benefit of utilizing a direct indexing strategy (Intelligent Invest) is the tax alpha that you can achieve through more precise tax-loss harvesting (0.5% to 1.5% annually). Compound's model portfolio is currently a free service while the Intelligent Invest portfolio carries a 0.35% fee on assets under $1M and 0.20% fee on assets over $1M (charged by our investment partner, O'Shaughnessy Asset Management). Until the account reaches $1M, we've negotiated a benefit of capping the fee at the lesser of 0.35% or $2,500.
Our Plaid integration only allows us one connection at a time per custodian. This means that if you and your spouse use different credentials to log in, only one of you will be able to link your account. You can add in your account manually to remedy this issue. Additionally, you could connect with Yodlee if it is a public investment account.
Our Plaid integration only allows us one connection at a time per custodian. This means that if you and your spouse use different credentials to log in, only one of you will be able to link your account. You can add in your account manually to remedy this issue. Additionally, you could connect with Yodlee if it is a public investment account.