You've been at your company for over a year and have some vested stock options.
Now what do you do?
Pay out-of-pocket for your shares and any taxes incurred, which can be significant.
Get a non-recourse loan to exercise some options and pay the taxes.
Lock in the current price by selling your stock to an interested buyer.
You never have to do anything with your stock options. Really.
Doing nothing with your options can be beneficial. In the best case scenario, you are still employed by the company for an IPO and you're able to lock in your upside without putting money down. Keep in mind that many option grants expire after 10 years.
But, in the more likely scenario, you've left the company (voluntarily or involuntarily) before the IPO. Once you leave, you're in the dreaded 90-day window. Suddenly, your "options" disappear within 90 days. You have to make a quick decision: get a loan to buy them, or try to quickly sell them.
But there's a better way.
Even before your 90-day window, Vested can give you personalized insights for your stock options, real-time monitoring for potential buyers, and negotiation support for your next role. All this for free.