Gemifi

Solution Detail

ISO Planning Solution

Guide incentive stock option exercise decisions with scenario modeling that surfaces AMT exposure, cash needs, concentration tradeoffs, and timing options.

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What this covers

  • Compare partial, staged, and full exercise paths across multiple tax years.
  • Quantify AMT exposure, concentration risk, and cash requirements before the client commits capital.
  • Turn a planning recommendation into a repeatable workflow with trading-plan and reporting outputs.

Advisor Scenarios

Minimal workflows that show what Gemifi can actually do.

These examples are intentionally compact. They are meant to help advisors understand the planning motion, the tax question, and the recommendation output Gemifi supports.

Scenario 1

Staggered ISO exercise to reduce AMT shock

A client holds 40,000 vested ISOs with a low strike price and wants to start exercising before a likely liquidity event. The advisor needs to avoid creating a one-year AMT spike that forces an unwanted sale.

  • Compare exercise amounts across this year and next year with AMT-sensitive tax estimates.
  • Show how each path changes concentration, cash required, and expected after-tax upside.
  • Document a recommended exercise schedule the advisor can review with the client and CPA.

Scenario 2

ISO exercise with a 6- to 24-month liquidity window

A client expects a secondary sale, tender offer, or IPO in the next 6 to 24 months. The question is whether to exercise now for holding-period benefits or wait to preserve liquidity.

  • Model exercise-now versus wait scenarios with side-by-side tax and concentration tradeoffs.
  • Show the effect of holding period assumptions on the recommendation instead of relying on a generic stock-option rule of thumb.
  • Produce a client-facing recommendation that ties the exercise path to timing, cash flow, and diversification goals.

Ready to explore?

See how this works for your team.

We'll walk through your planning workflow and show how Gemifi fits your advisory practice.

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