Equity Comp Decoded

Equity Made You Wealthy on Paper. Taxes and Concentration Decide What You Keep.

Equity compensation is one of the most powerful wealth-builders available to employees — and one of the easiest places to be surprised: under-withheld taxes in a big vesting year, an unexpected alternative minimum tax bill after exercising incentive options, or a net worth that quietly became 60% one company's stock. This education-first session, led by Dr. Sam (Sourav) Saha with Rahul Agarwal, CPA, decodes how each type of equity is taxed, the decisions that actually matter at grant, vest, exercise, and sale, and how to fit equity into a plan that also protects your family.

What You'll Take Away

Equity, in Three Parts

📜

01 · The Grant Types, Decoded

RSUs, ISOs, NSOs, ESPPs.

What each grant type is, when it becomes taxable, how it shows up on your W-2 and tax return, and the common misunderstandings — especially the difference between ordinary income and capital gains treatment.

⚠️

02 · The Tax Traps

Vesting years, AMT, and under-withholding.

With Rahul Agarwal, CPA: why default RSU withholding often falls short, how incentive stock options can trigger the alternative minimum tax, the 83(b) election for early exercise, holding-period rules, and how a sale fits into your overall tax picture.

⚖️

03 · Concentration & the Rest of the Plan

From one stock to a whole plan.

How to think about concentrated-stock risk, how trading windows and 10b5-1 plans work for insiders, and how equity coordinates with retirement savings, family protection, charitable giving, and your estate plan.

The Audience

Who This Seminar Is For

✓ Executives, engineers, and professionals receiving RSUs or stock options
✓ Employees at companies approaching an IPO, acquisition, or tender offer
✓ Anyone whose single-company stock is a large share of their net worth
✓ People who were surprised by last year's tax bill after a vesting event
✓ Spouses who want to understand what the equity on the household balance sheet really means

At Lithos, our mission is to create wealth for families. Through layered planning and a team of trusted professionals, we provide comprehensive insurance, wealth, tax, and real estate solutions that empower clients across the country to protect what matters today and build lasting legacies for tomorrow.

Reserve Your Seat

Free Admission. RSVP Required.

Limited seats. Choose the date and format that work best for you.

Choose Your Date & Format *

Please choose a session.

First Name *

Please enter your first name.

Last Name *

Please enter your last name.

Email *

Please enter a valid email address.

Mobile Phone *

Please enter a 10-digit mobile number.

City *

Please enter your city.

State *

Please choose your state.

Invited By *

Please tell us who invited you (or type “Found it online”).

Guests Joining You optional

This information is for educational and follow-up purposes only. Submitting this form does not create a client relationship and does not constitute financial, tax, legal, insurance, investment, real estate, mortgage, or lending advice. A licensed professional will review your request and follow up as appropriate. Email and SMS communications are used only according to the consent selections provided above.

Questions

Frequently Asked Questions

Which dates and formats are available?+

How long is it?+

Is this really free?+

Yes. There is no cost to attend, no purchase required, and no obligation. Lithos hosts this seminar as part of our commitment to financial education.

Will you try to sell me something?+

The seminar itself is educational. If you would like to talk about your own situation, you can request a complimentary one-on-one review afterward, where products and services may be discussed. It is entirely your choice, and attending creates no obligation.

Will you tell me whether to sell my company stock?+

No. We explain how the tax rules and concentration trade-offs work so you can make that decision with your own advisors. Nothing in the seminar is a recommendation to buy, sell, or hold any security.

Who presents the tax content?+

The taxation, AMT, and election portions are led by Rahul Agarwal, CPA, of Lithos Tax Advisory. The planning and protection portions are led by Dr. Sam (Sourav) Saha and the Lithos advisory team.

What's the difference between in-person and online?+

Same content, same speakers, same live Q&A. In-person attendees get printed take-home materials and face-to-face conversation; online attendees receive the materials digitally and the Zoom link by email after they RSVP (and again in the reminder an hour before). Choose whichever date and format fits your week.

Can I bring someone?+

Please do — the best decisions get made together. Tell us how many guests are joining you on the form, and after you RSVP you'll be able to send them a personal invitation so they get their own confirmation and reminders.

This seminar is educational. Nothing presented is personalized financial, investment, tax, legal, insurance, real estate, mortgage, lending, or medical advice, and no outcome is guaranteed. Insurance and annuity guarantees are backed solely by the claims-paying ability of the issuing insurer. Attendance carries no obligation. Attendees may request a complimentary review, where products and services may be discussed.

Investment-related topics are discussed for educational purposes only and are not a recommendation to buy, sell, or hold any security. Securities and investment advisory services are not offered by Lithos Insurance Advisory LLC; investment questions are addressed by appropriately registered professionals. Tax treatment of equity compensation depends on your grant documents and situation — review with your CPA.