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For when you've left a job got stock options picked up freelance work kept an old 401(k)

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AI back office

Preliminary answer

Your early-exercise election is due on November 9, 2026.

The election must be made no later than 30 days after the shares were transferred to you. Use the official form and provide a copy to your company.

Calculated

Election deadlineNov 9, 2026

Based on

Tax residency: U.S.Equity: early-exercised optionsShares received: Oct 10, 2026Source: your profile

Sources

Tax code Official election form

Next step: Have a tax professional review this.

Sample answer based on a test profileNot tax advice

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Each deadline comes with a short to-do list. If there's paperwork, we draft it for you to check.

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Assets & debts

What you own and owe

Rough estimates are fine, and your total updates as you go.

Northwind Labs ISOsVested, not exercised

$250K – $500K

Robo-advisor accountMostly stocks & ETFs

$50K – $100K

Old 401(k)From a previous job

$50K – $100K

High-yield savingsSavings

$25K – $50K

Checking accountBank account

$10K – $25K

Seed startup sharesEarly-exercised

$10K – $25K

Crypto appCrypto

$10K – $25K

Student loanDebt

−$10K – $25K

Net worth

USD, mid estimates of your ranges

Assets$615,000

Debt$17,500

Asset-to-debt ratio35.1×

By asset type

Private company stock$392.5K64% Investment accounts$75K12% Retirement accounts$75K12% Bank accounts$55K9% Crypto$17.5K3%

Liquidity

64%Illiquid

24%Liquid

12%Restricted

Example: test profile, Oct 22, 2026Not financial advice

Eqvesta

Sample as of Oct 22, 2026

Checking the rules for this event

Early-exercise election

Due Nov 9, 2026, 30 days after your October 10 purchase

18days left

No extensionTax code ruleElection form

Your steps

SignSign your electionDue Nov 9, 2026

FileFile it online or by certified mailDue Nov 9, 2026

Send copyGive a copy to your companyDue Nov 9, 2026

ProofUpload the proof of mailing or the receiptDue Nov 9, 2026

Example: early-exercised startup sharesNot tax advice

Eqvesta

Sample as of Oct 22, 2026

What you told us

Left my job Sep 15, still hold vested ISOs

Early-exercised shares at a new startup Oct 10

Part of my income has no tax withheld

Your next six months

Nov 9, 2026Early-exercise electionNo extension30 days after your October 10 purchase18days

Dec 15, 2026ISO exercise window closes3 months after leaving, check your plan54days

Jan 15, 2027Estimated tax payment, Q4Quarterly payment on income with no tax withheld85days

Feb 1, 2027Form 3921 from your employerIf you exercised ISOs in 2026102days

Apr 15, 2027Federal tax returnQ1 estimated tax may also apply175days

Example: switching startups mid-yearNot tax advice

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Eqvesta

Step 1 of 3

Where are you a tax resident?

Step 2 of 3

Which of these is true for you right now?

I recently bought or early-exercised shares in a private company

I hold bank or brokerage accounts outside the US

I receive income with no tax withheld at source

My accounts are spread across several apps

Continue

Step 3 of 3

When did you buy or exercise those shares?

See my deadlines

Matching your answers to tax rules

Dates are calculated by rules, not guessed

Your deadlinesSample as of Oct 22, 2026

Your next deadline

November 9, 2026

Due in 18 days

Early-exercise election

30 days after your October 10 purchase. This deadline is not extended.

Tax code rule

Jan

Estimated tax payment, Q4 2026January 15, 2027, in 85 days

Upcoming

Apr

Federal tax returnApril 15, 2027

Applies

Apr

Estimated tax payment, Q1 2027April 15, 2027

May apply

Example: freelancer who bought startup sharesNot tax advice

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