Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Net Unrealized Appreciation Cuts Taxes on Company Stock
In this episode of The High Net Worth Podcast, Lucas and Luna explore the net unrealized appreciation (NUA) strategy — a powerful tax maneuver for executives holding highly appreciated company stock in their 401(k). When you leave a job, rolling that stock into an IRA triggers ordinary income taxes on every dollar later withdrawn. NUA lets you pay a low capital gains rate on the appreciation instead. The hosts walk through a concrete example: a Microsoft executive with $2 million in company stock, $500,000 cost basis. By using NUA, they could save over $300,000 in taxes compared to a…
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