How Important are Stock Options when Considering a Job?

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

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Transcript:

Easan Arulanantham:

Yeah, so another kind of market related question with so many people changing jobs and other people, you know, being recruited, how do you value like a? Yes, or a stock ownership option plan or stock? employee stock purchase plan when looking at offers?

Tom Vaughan:


Yeah. So, in my own family, one of my relatives was offered a job at two places. This is a while back, but early 90s, mid 90s. So had a offer from Hewlett Packard and an offer from Cisco, right at that time, Cisco was all of 250 people, right? So small company. And, and so she asked me to do an analysis on the two companies just from a standpoint as a stock. And so I think whether or not the company offers a stock option program of any type, you need to take a look at the company from the standpoint as if you were going to invest in it, and which one would you rather invest in? And so I told her, Well, I would invest in Cisco. Matter of fact, I did, that’s where some of the money came from, to build this house. And I actually found it because of that research I was doing for her, she took that job. And you know, the rest is history, she did really well with those stock options, up until 2000, you know, when the market had a hard time with all of those stocks. So I that would be my recommendation, you know, the program itself is important, how many options you can get how fast you can get them what the vesting schedule is, and all of those things are important.

But if the company isn’t going anywhere, and they’re not growing, and on hindsight, the differential between the stock option program and Hewlett Packard from mid 90s, to now versus at Cisco, you were a lot better off at Cisco, even if they gave you less options. So I would start with the analysis of the company and dig into the financials, especially if it’s public. Already, that makes it easier. You know, what are the revenues? What’s their earnings growth? What are the analysts say about that stock? What are the expectations for, you know, growth over the next two, three years? Those types of things, you need to kind of analyze all the those pieces like you would an investment, you know, what does it look like on the charts? And you know, is it just, you know, languishing or not, what’s the relative strength of that stock versus the market at this point in time, but all of those things, those are more important to me than the actual program that would come first, pick the company that I liked that had the best, you know, possible rates of return in stock. And then, if you had some tiebreakers, it would be which one gives you the most in terms of those stock option programs.

Easan Arulanantham:


So how does that differ when you’re talking about I guess, pre public companies? You know, say you’re looking at like one of the tech startups in the Bay Area? Do you put kind of value on having the option to buy like stock from these pre IPO companies? Or do you want to like look more for hard benefits that you can evaluate?

Tom Vaughan:


No, I’m personally, if it’s me, I’m definitely looking for the big payoff. If I’m going to go that direction, and I’m working for a pre IPO company, a lot of those companies do have some valuation metrics, because they’ve been through some seed capital, at least you can ask them questions about that and see what you know, the company was worth, you know, in the last round of venture capital seed money that came in that type of thing. You know, it’s a little bit harder to really dig in and figure out you can’t look at a chart, there’s no, you know, financials that are very easy to see. And also the probably depends on how much in demand you are, you know, what what, you know, it’s one thing to be, you know, if you’re begging for the job, they’re not going to maybe tell you as much as if they really want you. And then you might be able to extract a little bit more data about how that company’s doing and what the expectations are, and when they might go public. And I would be probably more concerned then about what was being offered, you know, how many options and how fast what’s the vesting schedule, you know, that kind of thing.

So, yeah, it’s a little bit different in the pre IPO arena, but yeah, that can that can work. You know, Instagram was what this little company I think there was nine people working there in this little office in San Francisco when Facebook bought them for a billion dollars. There was a few people there that made it made some good money, you know, so for every one of those unfortunately, there are a whole bunch that we never heard of before because they didn’t work but it’s still my effect. I had a neighbor across the street that went through three of them, and none of them ever quite made it. So you know, he worked very hard. Let’s You don’t normally do at those firms didn’t get a payout. The options package didn’t matter. Guess the companies never got public but you know, so it’s it’s one of those risks that you take but that’s what you should be probably doing in a company like that, to be honest, especially if you have a good skill set is looking for that kind of home run scenario personally

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

By participating in any of these live streams, you agree that any questions submitted by you might be used by us in the future on this YouTube channel. We will not share your personal information.

If you have questions, please write to us at: asktom@talkmoneywithtom.com.

  • MoneyGuidePro®
  • Advent Software/Black Diamond Reporting
  • Riskalyze, Inc.
  • thinkpipes®
  • Right Capital
  • YCharts, Inc.