How New York Taxes Stock Compensation
RSUs, options and the allocation rules that catch people who earned equity here and vested it somewhere else.
The Money Desk
Editorial Staff
The Money Desk covers personal finance, tax and investing for New Yorkers, with an emphasis on the city and state rules that national coverage leaves out. Reporting under this byline is produced by the editorial staff of Manhattan Standard. It is information, not financial or tax advice.
Articles by The Money Desk
What A High Income Actually Costs In New York
Four separate layers apply to the same dollar. Understanding how they stack explains why the headline salary and the deposit feel unrelated.
A New Yorker's Guide To City And State Income Tax
New York City residents pay a city income tax on top of state tax. Most national calculators ignore it, which is why their numbers are wrong.
What A Fund's Expense Ratio Actually Costs You
A fraction of a percent, compounded across a working life, is not a rounding error.
How Index Funds Actually Work
Tracking an index sounds mechanical. The decisions inside it are where funds differ.
What To Actually Do When Markets Fall
The decisions that matter are made before the decline, because judgement is worst during one.
How Much Of An Emergency Fund A New Yorker Actually Needs
The standard advice assumes a standard cost base. New York is not one.
How To Read A New York Pay Stub
The deductions between gross and net include several that only New Yorkers pay.
What Renters Insurance Actually Covers In New York
The contents are the least valuable part of the policy.
When You Become A New York City Resident For Tax Purposes
Two separate tests, and the second one catches people who believe they moved away.
What The Cap On State And Local Tax Deductions Means Here
A federal limit with a disproportionate effect in high-tax, high-property-value states.
How To Handle A New York Tax Audit
An audit is a documentation exercise. The outcome usually turns on records made years earlier.
What A Financial Adviser Means By Fiduciary
Two advisers with similar titles can operate under materially different obligations to you.
What A Trust Does, And What It Does Not
Trusts solve specific problems. They are frequently sold as solving general ones.
How To Think About A Concentrated Stock Position
Employees at successful companies often hold a position no adviser would ever recommend building.
What New York's BitLicense Actually Requires
New York regulates virtual currency business activity more tightly than any other state. That is why some services are unavailable here.
How Digital Assets Are Taxed, In Outline
Treated as property, which means ordinary transactions create taxable events people do not expect.
How To Evaluate Who Is Holding Your Digital Assets
Custody is the question that determines what happens if the business fails.