Valoria Wealth Management - equity compensation planning for women in tech

Insights

October 7, 2026

How to Exercise Stock Options: Cash vs. Cashless

If your company grants you stock options, you’ll eventually face a choice about how to exercise stock options: pay cash, or let the shares cover the cost themselves. Both paths get you to the same place: you own company stock. But they get you there in very different ways, with different cash needs and different
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September 30, 2026

How Stock Option Vesting Works

If your company granted you stock options, you’ve probably heard the term vesting without a clear explanation of what it means. Stock options vesting determines when you earn the right to buy shares, and it works differently than most people assume. Here’s how it actually works, and what it means for your planning. What Vesting
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ISO vs NSO

September 23, 2026

ISO vs NSO: The Stock Option Types, Explained

If your offer letter mentions stock options, you may have seen the terms ISO and NSO without a clear explanation of what they mean. The ISO vs NSO difference isn’t just fine print. It changes how much tax you owe, and when you owe it. Here’s what each one actually means for your paycheck and
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money and financial planning

September 16, 2026

How Much Company Stock Is Too Much?

Your paycheck already depends on your employer. Your bonus, your career growth, and your health insurance all tie back to the same company. When your investments do too, you’re carrying what’s called single stock concentration risk. It’s more common than you think. Between RSUs, ESPP shares, and stock options, one company can quietly become your
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Small plant on a desk, symbolizing financial growth

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September 9, 2026

Does Maternity Leave Affect Your RSU Vesting?

You’re planning your leave, thinking through childcare, coverage, timing. Somewhere in that list, your RSUs probably aren’t top of mind. But maternity leave can quietly affect your vesting schedule in ways that catch people off guard months later, and a little planning now avoids a real financial surprise then. Does Vesting Continue During Leave? For
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woman negotiating equity compensation package

September 2, 2026

Negotiating Equity Compensation: What Women Don’t Know to Ask For

When you get a job offer with an equity package, the number on the page can feel final. But negotiating equity compensation is just as normal as negotiating salary. You just need to know what to ask. Many women in tech accept the first equity offer they see, while candidates who know to ask often
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Woman typing on a laptop, reviewing financial documents

RSU vs. Stock Options: What’s the Difference?

Your offer letter mentions RSUs. Your friend at another company got stock options. You nod along in conversations about equity comp, but if someone asked you to explain the actual difference, would you be able to? You’re not alone, these two get lumped together constantly, but they work in fundamentally different ways. The Core Difference
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Hand signing tax documents, representing filing RSU tax forms correctly

August 19, 2026

How to Report RSUs on Your Tax Return Without Overpaying

Tax season arrives and you’re staring at a stack of forms trying to figure out how to report your RSUs correctly. Get it wrong, and you could end up paying tax twice on the same income. This happens more often than you’d think, and it’s completely avoidable once you know where to look. Why RSU
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Person holding cash, symbolizing financial decisions

August 12, 2026

What Does ‘Stock Offset’ Mean on Your Pay Stub?

You open your paystub after a vest and see a line called “stock offset” eating into your take-home pay. No warning, no explanation, just a number. If you’ve never seen it before, it’s easy to think something went wrong. It didn’t. Here’s what it actually means, and why it matters more than most people realize.
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