--- title: Financial Insights | Pre-IPO & Tax Planning | Werba Rubin Papier | Stock Options description: Stock Options | 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) ![](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) ![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/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) ![Aerial-shot-of-Apple-Park-in-California](https://insights.wrpwealth.com/hubfs/pexels-zetong-li-13641595.jpg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Investing](https://insights.wrpwealth.com/tag/investing) ##### [Weighing the Advantages and Drawbacks of Investment Apps](https://insights.wrpwealth.com/advantages-and-drawbacks-of-investment-apps) With the rise of online investment tools, investing has become easier, more convenient, and more accessible than ever before. Today, a range of investment apps are available, allowing users to make trades quickly and seamlessly from their smartphones. While expanding ... February 19, 2024 [Read more](https://insights.wrpwealth.com/advantages-and-drawbacks-of-investment-apps) ![city-buildings](https://insights.wrpwealth.com/hubfs/pexels-expect-best-323705.jpg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Taxes,](https://insights.wrpwealth.com/tag/taxes) - [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) ##### [How to Get Cash from Your Stock Without Selling at IPO](https://insights.wrpwealth.com/how-to-get-cash-from-your-stock-without-selling-at-ipo) When you work for a startup, IPO is an immensely exciting time. Executives and employees who have been receiving equity compensation may be looking forward to IPO day in anticipation of a big payout. Typically, however, company insiders aren’t allowed to sell shares at ... January 15, 2024 [Read more](https://insights.wrpwealth.com/how-to-get-cash-from-your-stock-without-selling-at-ipo) ![](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) ![stock-tenders](https://insights.wrpwealth.com/hubfs/Blog%20thumbnails/Stock%20images/person-looking-at-stocks-on-computer-1.jpg) - [Stock Options](https://insights.wrpwealth.com/tag/stock-options) ##### [Exploring Stock Tenders & Their Impacts](https://insights.wrpwealth.com/exploring-stock-tenders-and-their-impacts) A tender offer is an initiative by an individual, business, or corporate group to purchase a large quantity of non-public company stock. Initial investors and employees gain liquidity for their equities, making money available for other investments or expenses. By ... October 11, 2023 [Read more](https://insights.wrpwealth.com/exploring-stock-tenders-and-their-impacts) ![stock-options](https://insights.wrpwealth.com/hubfs/AdobeStock_184912716.webp) - [Stock Options](https://insights.wrpwealth.com/tag/stock-options) ##### [Maximizing Your Financial Potential: Understanding and Exercising Stock Options](https://insights.wrpwealth.com/maximizing-financial-potential-understanding-and-exercising-stock-options) Many companies provide stock options as equity compensation because they encourage employees to increase the value of their company through their work. It creates the potential for a tremendous win-win situation: employers benefit from an incentivized team that works ... September 6, 2023 [Read more](https://insights.wrpwealth.com/maximizing-financial-potential-understanding-and-exercising-stock-options) [1](https://insights.wrpwealth.com/tag/stock-options/page/1) [2](https://insights.wrpwealth.com/tag/stock-options/page/2) [Next](https://insights.wrpwealth.com/tag/stock-options/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)