--- title: Financial Insights | Pre-IPO & Tax Planning | Werba Rubin Papier | Financial Planning description: Financial Planning | 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) ![](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) ![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/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) ![](https://insights.wrpwealth.com/hubfs/firmbee-com-dAmHWsRYP9c-unsplash%20(1).jpg) - [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) ##### [Unveiling the Hidden Peril: Managing Concentration Risk](https://insights.wrpwealth.com/unveiling-the-hidden-peril-managing-concentration-risk-in-your-investment-portfolio) Diversification is a cornerstone of sound investing. But what happens when a significant portion of your wealth is tied to a single stock or asset? This scenario introduces concentration risk—a critical concept for investors to understand and manage. Decoding ... July 25, 2024 [Read more](https://insights.wrpwealth.com/unveiling-the-hidden-peril-managing-concentration-risk-in-your-investment-portfolio) ![](https://insights.wrpwealth.com/hubfs/bay-area-california-unsplash-1.jpg) - [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 to Do When Your Company Stock Falls Below Its IPO Price](https://insights.wrpwealth.com/what-to-do-when-your-company-stock-falls-below-its-ipo-price) When you’re working for a startup and receiving equity compensation, hopes can run high at IPO time. Often, pre-IPO employees enjoy sizable boosts in their wealth after their companies go public. When things don’t go as planned, it can be hard to let go of the hope ... November 21, 2023 [Read more](https://insights.wrpwealth.com/what-to-do-when-your-company-stock-falls-below-its-ipo-price) ![grat-wealth](https://insights.wrpwealth.com/hubfs/pexels-juan-pablo-serrano-arenas-951290.jpg) - [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) ##### [Can a GRAT Help Me Pass More Wealth to My Heirs?](https://insights.wrpwealth.com/can-a-grat-help-me-pass-more-wealth-to-my-heirs) Grantor retained annuity trusts (GRATs) became popular after a 2000 ruling of the U.S. Tax Court in favor of the Walton family (Audrey J. Walton V. Commissioner of Internal Revenue), which upheld the family’s use of two such trusts to avoid the gift tax. GRATS are now ... May 19, 2023 [Read more](https://insights.wrpwealth.com/can-a-grat-help-me-pass-more-wealth-to-my-heirs) ![tax-deadline](https://insights.wrpwealth.com/hubfs/tax%20deadline.webp) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) ##### [Year-End Planning: Key Items For Your Stock Comp Checklist](https://insights.wrpwealth.com/year-end-planning-key-items-for-your-stock-comp-checklist) When you acquire stock options from your pre-IPO employer, your liquidity is severely limited. The most common ways executives and employees are able to sell their private company shares is through IPO, SPAC acquisition, or direct listing on a public exchange. However, ... January 30, 2023 [Read more](https://insights.wrpwealth.com/year-end-planning-key-items-for-your-stock-comp-checklist) ###### 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)