Vertical · Severance Planning
Severance & Job Loss Planning
Severance-package optimization, 401(k) rollover, COBRA decisions, and equity-comp unvest analysis for laid-off US employees.
What this vertical covers
- Severance lump-sum vs. salary-continuation tax modeling
- 401(k) rollover, in-service distribution, and Roth-conversion planning
- COBRA vs ACA-marketplace cost analysis
- Equity-comp unvest valuation and accelerated-vesting clause analysis
- Unemployment-benefit eligibility and state-specific timing strategy
Recent severance planning writing
Should I Roll Over My 401(k) After a Layoff?
Stay vs roll-to-IRA vs roll-to-new-employer-plan: the tax and creditor-protection trade-offs.
Severance Lump Sum vs Salary Continuation
Tax-bracket impact, UI eligibility timing, and what to negotiate for.
WARN Act 60-Day Notice and Severance Rights
Federal WARN, state mini-WARN laws, and what employers actually owe at mass layoffs.
RSU and ISO Treatment at Termination
Acceleration clauses, post-termination exercise windows, and the AMT trap on ISOs.
COBRA vs ACA Marketplace After Layoff
How to decide between continuing employer coverage or switching to a marketplace plan.
Severance Planning by metro
City-specific guidance — federal rules layered with state-tax and local-economy patterns that materially change planning outcomes.