--- title: Financial Insights | Pre-IPO & Tax Planning | Werba Rubin Papier description: Browse our free resources for ongoing information about financial planning strategies, stock options, and more. --- [![WRP Wealth Logo](https://www.wrpwealth.com/wp-content/themes/wrpwealth/resources/images/logo.png)](https://www.wrpwealth.com/) - What We Do - [Investment Management](https://www.wrpwealth.com/investment-management/) - [Tax Planning](https://www.wrpwealth.com/tax-planning/) - [Financial Planning](https://www.wrpwealth.com/financial-planning/) - [IPO Stock Options Planning](https://www.wrpwealth.com/ipo/) - [Who We Are](https://www.wrpwealth.com/who-we-are/) - [Our Approach](https://www.wrpwealth.com/our-approach/) - [Resources](https://info.wrpwealth.com/resource-center) - [Insights Blog](https://insights.wrpwealth.com/) - [FAQ](https://www.wrpwealth.com/wrp-faq/) - [Contact](https://www.wrpwealth.com/contact/) - [WRP Tax Services](https://www.wrptax.com/) # Insights [All](https://insights.wrpwealth.com) [Stock Options](https://insights.wrpwealth.com/tag/stock-options) [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) [Pre-IPO](https://insights.wrpwealth.com/tag/pre-ipo) [Investing](https://insights.wrpwealth.com/tag/investing) [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) [Taxes](https://insights.wrpwealth.com/tag/taxes) [Charitable Trusts](https://insights.wrpwealth.com/tag/charitable-trusts) ![US-dollar-bill](https://insights.wrpwealth.com/hubfs/US-dollar-bill-pexels-karolina-grabowska-4386156.jpg) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) ##### [Maximize Your Retirement Savings with Professional 401k Management](https://insights.wrpwealth.com/maximize-your-retirement-savings-with-professional-401k-management) 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 ... October 1, 2025 [Read more](https://insights.wrpwealth.com/maximize-your-retirement-savings-with-professional-401k-management) ![taxes-ipo](https://insights.wrpwealth.com/hubfs/kelly-sikkema-SBxdMoOY9zM-unsplash.jpg) - [Pre-IPO,](https://insights.wrpwealth.com/tag/pre-ipo) - [Taxes](https://insights.wrpwealth.com/tag/taxes) ##### [Will I Owe Taxes When My Company Goes Public?](https://insights.wrpwealth.com/owe-taxes-company-goes-public) 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 ... September 9, 2025 [Read more](https://insights.wrpwealth.com/owe-taxes-company-goes-public) ![](https://insights.wrpwealth.com/hubfs/business%20documents%20on%20office%20table%20with%20smart%20phone%20and%20laptop%20computer%20and%20graph%20financial%20with%20social%20network%20diagram%20and%20three%20colleagues%20discussing%20data%20in%20the%20background.jpeg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Financial Planning,](https://insights.wrpwealth.com/tag/financial-planning) - [Pre-IPO](https://insights.wrpwealth.com/tag/pre-ipo) ##### [What Is the Benefit of an 83(b) Election?](https://insights.wrpwealth.com/what-is-the-benefit-of-an-83b-election) What is an 83(b) election? When you file an 83(b) election, you’re taking advantage of section 83(b) of the Internal Revenue Code (IRC). This provision allows early investors in a company, including employees receiving equity compensation, to calculate and pay tax on ... August 27, 2025 [Read more](https://insights.wrpwealth.com/what-is-the-benefit-of-an-83b-election) ![reviewing-401k](https://insights.wrpwealth.com/hubfs/6%20Tips%20blog%20banner.webp) - [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) ##### [6 Tips for Reviewing Your 401(k)](https://insights.wrpwealth.com/6-tips-for-reviewing-your-401k) To ensure that you remain on track to meet your retirement goals, you must regularly review the investments in your 401(k) or other retirement account. Regular review enables you to make necessary adjustments to your portfolio as your means, needs, goals, and the value ... August 15, 2025 [Read more](https://insights.wrpwealth.com/6-tips-for-reviewing-your-401k) ![company-shares](https://insights.wrpwealth.com/hubfs/pexels-tima-miroshnichenko-7567440.jpg) - [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) ##### [When Can I Sell My Company Shares?](https://insights.wrpwealth.com/when-can-i-sell-my-company-shares) If you own pre-IPO shares in your company, you will most likely be subject to a lockup period immediately following its IPO. A lockup period is a window during which company insiders like employees and executives are prohibited from selling their shares. Typically ... July 29, 2025 [Read more](https://insights.wrpwealth.com/when-can-i-sell-my-company-shares) ![eggs-in-one-basket](https://insights.wrpwealth.com/hubfs/eggs-in-one-basket-pixabay-basket-8607368_1280.jpg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Pre-IPO](https://insights.wrpwealth.com/tag/pre-ipo) ##### [The Importance of Diversification](https://insights.wrpwealth.com/importance-of-diversification) Diversification is a key element of any investment strategy. By putting your investment dollars in a variety of assets, you can limit the risk of significant losses, reduce volatility in your portfolio, and take advantage of a wider array of opportunities, potentially ... June 17, 2025 [Read more](https://insights.wrpwealth.com/importance-of-diversification) ![filling-out-tax-forms](https://insights.wrpwealth.com/hubfs/pexels-nataliya-vaitkevich-6863336.png) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Financial Planning,](https://insights.wrpwealth.com/tag/financial-planning) - [Pre-IPO,](https://insights.wrpwealth.com/tag/pre-ipo) - [Taxes](https://insights.wrpwealth.com/tag/taxes) ##### [How are Restricted Stock Awards and Restricted Stock Units Taxed?](https://insights.wrpwealth.com/restricted-stock-awards-restricted-stock-units-taxed) Restricted stock awards (RSAs) and restricted stock units (RSUs) are two types of incentive programs that are common in startup companies. While similar, there are some key differences in how these benefits are delivered and taxed. Both require careful tax and ... June 5, 2025 [Read more](https://insights.wrpwealth.com/restricted-stock-awards-restricted-stock-units-taxed) ![](https://insights.wrpwealth.com/hubfs/WRP_market_downturn.jpg) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) ##### [Market Volatility Happens — But Here’s What Doesn’t Change](https://insights.wrpwealth.com/market-volatility-happens-but-heres-what-doesnt-change) As markets shift in response to global economic policy, political developments, and investor sentiment, many individuals are understandably wondering: Should I be doing something different with my portfolio right now? It’s a reasonable question, and one that’s come up ... April 30, 2025 [Read more](https://insights.wrpwealth.com/market-volatility-happens-but-heres-what-doesnt-change) ![](https://insights.wrpwealth.com/hubfs/WRP_Leveraging%20Declining%20Interest%20Rates.png) ##### [Leveraging Declining Interest Rates to Optimize Your IPO Strategy](https://insights.wrpwealth.com/leveraging-declining-interest-rates-optimize-ipo-strategy) In our constantly changing economic landscape, navigating the financial intricacies of an initial public offering (IPO) is a highly complex task. As interest rates shift, so do the strategies needed to maximize the benefits of your company's IPO. In this article, we’ll ... February 4, 2025 [Read more](https://insights.wrpwealth.com/leveraging-declining-interest-rates-optimize-ipo-strategy) ![](https://insights.wrpwealth.com/hubfs/pexels-energepic-com-27411-159888.jpeg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) ##### [Maximizing Value and Minimizing Risk: The Power of Pre-Paid Variable Forwards for Concentrated Stock Positions](https://insights.wrpwealth.com/maximizing-value-and-minimizing-risk-the-power-of-pre-paid-variable-forwards-for-concentrated-stock-positions) As a founder, executive, or pre-IPO employee, you've likely accumulated a significant portion of your wealth in company stock. While this represents a tremendous opportunity, it also comes with substantial risks. Concentrated stock positions can leave you vulnerable to ... July 25, 2024 [Read more](https://insights.wrpwealth.com/maximizing-value-and-minimizing-risk-the-power-of-pre-paid-variable-forwards-for-concentrated-stock-positions) [1](https://insights.wrpwealth.com/page/1) [2](https://insights.wrpwealth.com/page/2) [3](https://insights.wrpwealth.com/page/3) [4](https://insights.wrpwealth.com/page/4) [Next](https://insights.wrpwealth.com/page/2) ###### What We Do - [Tax Planning](https://www.wrpwealth.com/#tax-planing) - [IPO Stock Options Planning](https://www.wrpwealth.com/#stock-options) - [Financial Planning](https://www.wrpwealth.com/#financial-planning) - [Investment Management](https://www.wrpwealth.com/#investment-management) ###### Resources - [Insights Blog](https://insights.wrpwealth.com/) - [FAQ](https://www.wrpwealth.com/wrp-faq/) - [Resource Center](https://info.wrpwealth.com/resource-center/) - [Contact](https://www.wrpwealth.com/contact/) ###### Contact Us [408-217-2000](tel:408-217-2000) 1732 N 1st Street, Suite #200 San Jose, CA 95112 ###### Subscribe to Our Blog Investment advisory services provided by Werba Rubin Papier Wealth Management, LLC ("Werba Rubin Papier"). © 2026 WRP Wealth | [Privacy Policy](https://info.wrpwealth.com/privacy-policy) | [ADV Brochure](https://insights.wrpwealth.com/hubfs/Website%20files/WRP_ADV%20Brochure_2025.pdf) | [Relationship Summary](https://insights.wrpwealth.com/hubfs/Downloadable%20Content%20Pieces/2024-01-22%20WRP%20Form%20CRS.pdf)