Gemifi

Solution Detail

NQO Planning Solution

Evaluate non-qualified option exercise strategies with side-by-side modeling for ordinary income, cash flow, diversification, and implementation timing.

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What this covers

  • Test exercise-and-sell, exercise-and-hold, and staged exercise timelines side by side.
  • Frame ordinary-income impact, withholding needs, and monthly cash-flow consequences for each path.
  • Standardize recommendation outputs across the team instead of rebuilding the same stock-option analysis from scratch.

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

Large NQO position with a looming expiration date

A client has a large in-the-money NQO grant that starts expiring in the next 12 months. Exercising all at once creates a heavy ordinary-income event, but waiting too long increases concentration and expiration risk.

  • Compare staggered exercises across multiple windows instead of one all-or-nothing event.
  • Show the tax and cash-flow cost of each path so the client sees the tradeoff clearly.
  • Build a recommended sequence of actions the advisor can revisit as market price and income assumptions change.

Scenario 2

Tender offer decision for exercised or unexercised NQOs

A private-company client receives a tender offer and wants to know whether to exercise into the offer, hold options for later, or realize liquidity now.

  • Compare immediate liquidity against tax cost, concentration relief, and remaining upside.
  • Tie the recommendation to cash needs and near-term planning rather than a generic retirement projection.
  • Create a recommendation package advisors can share with both the client and tax preparer.

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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