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Category:
Working / Accumulation Phase, Tax Planning, Assets and Investment Planning

Can I Do A Net Unrealized Appreciation (NUA) Distribution?

Clients that own employer-issued stock in a 401(k) plan may benefit from favorable tax treatment under the NUA rules. But, to qualify for an NUA distribution, your client must satisfy several very important rules, some of which are often misunderstood.

To help make this analysis easier, we have created the “Can I Do A Net Unrealized Appreciation (NUA) Distribution?” flowchart. It addresses some of the most common issues that arise for a client thinking about doing an NUA distribution. This flowchart considers:

  • What type of stock qualifies
  • Triggering events that must be satisfied
  • Timing considerations
  • Tax impact of cost-basis and gains
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What Issues Should I Consider If I Lose My Job?
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What Issues Should I Consider If I Get A Promotion Or Raise At Work?
Category: Working / Accumulation Phase, General, Life Events
Will I Have To Pay Tax On My Qualified ESPP?
Category: Working / Accumulation Phase, Tax Planning
What Issues Should I Consider Regarding My Non-Qualified Stock Options?
Category: Working / Accumulation Phase, Assets and Investment Planning
What Issues Should I Consider Regarding My Incentive Stock Options?
Category: Working / Accumulation Phase, Assets and Investment Planning, General
What Issues Should I Consider Regarding My Restricted Stock Units?
Category: Working / Accumulation Phase, Assets and Investment Planning
What Issues Should I Consider With My Employer-Provided Benefits?
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Getting Your Referral Stats

What Customers Are Saying About Us

Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“The decision tree format has been immensely helpful. The design is very simple and elegant.”
— Deirdre, an advisor in Massachusetts
“The white-label feature in Deluxe is really fantastic. It is really powerful to talk through the decision tree with a client with our logo & color options on the chart, frankly, because it makes us look smarter!”
— Bill, an advisor in New York
“I really love the concept of fpPathfinder because I spend so much time reinventing the wheel when communicating planning concepts to clients. Moreover, the flowchart format can be used time and time again to produce consistent results.”
— Kevin P, an advisor in Illinois
“I think it’s the bees knees! I think it provides me and my clients the most value of any of the services we use at my firm. Everything is well-designed and the amount of material you guys pack into a page without it being overwhelming is AMAZING!”
— An advisor in Kentucky
“I love fpPathfinder. I use it nearly every day. Clients think it is very clear and easy to understand and it has increased our credibility.”
— An advisor in Utah
“Love the Redtail integration - it’s been instrumental in my prep for my client reviews. I’m finding my self being over-prepared because of the robust lists which is great.”
— Don, and advisor in California
“With working from home most of 2020, we wanted to still catch some face time with our clients. We used the checklists and flowcharts to conduct webinars covering various topics. In fact, having the charts readily available, we were able to do many of these on a weekly basis, knowing the material was pretty much already established. We had such great feedback that we are continuing the webinars into 2021. We have many that actually look forward to our meeting times, and found being able to have the flowchart or checklist available to work on their own later was an added bonus.”
— An advisor in Texas
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