Stock-market uncertainty and the impact of the new tax law under the "One Big Beautiful Bill" Act (OBBBA) raise special planning concerns at year-end 2025
(PRUnderground) December 3rd, 2025
Year-end is always a key time for financial and tax planning among the millions of employees in the United States who have stock compensation (such as stock options and restricted stock units), participate in an employee stock purchase plan (ESPP), and/or have holdings of company shares. In 2025, special factors include stock-market uncertainty and the impact of the new tax law under the “One Big Beautiful Bill” Act (OBBBA).
To help, myStockOptions.com has updated its education and guidance on the major issues, decisions, and innovative financial-planning strategies for the end of 2025 and the start of 2026. This content is available in the website’s section Financial Planning: Year-End.
Why Year-End Planning Is Important For Stock Comp
At year-end, multi-year planning is especially valuable with stock compensation. “You can control the timing of stock sales and option exercises, and you know when restricted stock/RSUs will vest,” observes Bruce Brumberg, the Editor-in-Chief of myStockOptions.com. “With market uncertainty and the new tax laws introduced by the OBBBA, expert guidance is more important than ever.”
Timely year-end guidance is particularly crucial for people who are considering option exercises or stock sales at the end of 2025. “Employees with equity grants and company shares should be aware of the 2025 and 2026 thresholds for higher tax rates on compensation income and capital gains, the Medicare surtax on investment income, and phaseouts such as the one that applies to the additional SALT deduction under the 2025 tax law.” Mr. Brumberg notes. “They may want to consider keeping their income below those known thresholds, when possible.”
Employees who tax-loss-harvest by selling company stock that has declined while they hold it must be aware of the rules on wash sales, warns Mr. Brumberg. “Under IRS rules, the purchase of new shares within 30 days of the sale at a loss can result in a forced deferral of that capital loss until a future year,” he explains. “A purchase can include an RSU vesting, stock option exercise, or ESPP purchase.”
myStockOptions Webinar Covers Impact Of 2025 Tax Law On Year-End And Year-Start Planning
Available on demand, a webinar covers all aspects of financial and tax planning for equity compensation and holdings of company shares as the year comes to a close: Year-End 2025 & Year-Start 2026 Equity Comp Financial Planning. In 100 minutes, it features insights from three leading financial and tax advisors, including real-world case studies:
- Alfred Au (CFP®), Head of Advisory and Partner, DiversiFi Capital
- Rebecca Jackson (CFP®, CPA/PFS
, RLP), Founder, SeedSafe Financial LLC - John Owens (CFP®, EA, ECA, CPWA®), Director of Financial Planning, Brooklyn FI
- moderator: Bruce Brumberg (JD), editor-in-chief of myStockOptions
Panelist details and the agenda of topics are available at the webinar registration page.
Disclaimer: The news site hosting this press release is not associated with myStockOptions.com. It is merely publishing a press release announcement submitted by a company, without any stated or implied endorsement of the information, product or service. Please refer to a tax attorney or CPA for tax advice.
About myStockOptions.com
With award-winning content and tools, myStockOptions.com is an independent and unbiased source of expertise on stock options, restricted stock, restricted stock units, performance shares, stock appreciation rights, and employee stock purchase plans. We specialize in making complex stock compensation topics clearly understandable and relatable, in plain English and with an engaging style. Our audience includes:
– stock plan participants
– financial planners, wealth advisors, and CPAs
– professionals in stock plan administration, human resources, compensation, and finance
– attorneys, corporate counsel, and other members of legal staff
In addition to individual memberships, we also offer corporate services.
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