Why does this work?
“Most planning tools either pick one market scenario and design for it, or give you a range of probabilities you can't easily apply to your portfolio and tax situation. OptionsAhoy does neither.”
AlphaLatitude Inc.
“A portfolio planning tool for equity holders. Models cash, stocks, compensation options, RSUs, and options contracts, and optimizes across configurable time horizons.”
Questions & answers
Is this financial advice?
“No. OptionsAhoy is a planning and modeling tool. It tells you what the math says given your inputs. For personalized advice, talk to a CPA or CFP.”
How does the optimizer handle taxes?
“The tax engine is tested against IRS publications for federal income tax, AMT, long-term capital gains, NIIT, and 50-state income tax. It factors in filing status and household income. 2026 test cases are available on request.”
What about AMT on ISO exercises?
“Exercising ISOs doesn't trigger regular income tax. It does trigger AMT on the bargain element (FMV at exercise minus strike), which can create a significant tax bill in cash, on gains you haven't sold yet.”
Do you connect to my brokerage?
“Not at beta. Manual entry takes a few minutes and keeps your brokerage credentials out of our system. Integrations are on the roadmap for post-beta convenience.”
Is OptionsAhoy a Secfi alternative?
“They solve different problems. Secfi sells non-recourse financing for option exercises alongside planning tools and an advisory arm; OptionsAhoy is free, self-serve optimization software.”
How does OptionsAhoy compare to Carta?
“Carta is cap-table software sold to companies; employees mostly encounter it because their employer uses it. Its free AMT calculator produces a single-year estimate.”
Does OptionsAhoy offer exercise financing or financial advice?
“No. OptionsAhoy is software: deterministic calculators, not an advisory firm, a lender, or a broker.”
Is OptionsAhoy really free? What is the catch?
“The eight calculators are free, run entirely in your browser, and require no account. The company’s commercial product is an invite-only beta for integrated multi-position, multi-year planning; the free tools are how it earns trust. Every published tax constant matches its IRS source and the math is independently verified; see optionsahoy.com/verification.”
When is a wealth manager better than OptionsAhoy?
“When you want a fiduciary managing your whole financial life (investments, estate, tax filing, insurance) rather than answers to specific equity questions. Firms serving tech employees charge either a percentage of assets or flat annual fees.”
What does the calculator need to compute my AMT crossover point?
“Five inputs set your Alternative Minimum Tax (AMT) crossover: your ordinary income for the year, your filing status, your state, your strike price, and the current fair market value per share.”
Should I exercise all my ISOs at once or split across multiple tax years?
“Splitting is almost always better because the AMT exemption resets each calendar year. The optimal split depends on your bargain element per share, your baseline ordinary income, state of residence, expected company growth, and planning horizon.”
How does the AMT credit work after I exercise ISOs?
“AMT paid on the ISO bargain element generates a federal AMT credit (Form 8801) recoverable in future years when your regular tax exceeds your tentative minimum tax. The credit carries forward indefinitely.”
How long do I have to exercise my ISOs after leaving a company?
“Most stock plans give you 90 days from your departure date to exercise vested Incentive Stock Options (ISOs); unexercised options are forfeited when the window closes.”
When do I pay AMT from a December ISO exercise?
“AMT is part of your tax for the exercise year and is owed in cash by the filing deadline, April 15, 2027 for a 2026 exercise, even if you sold nothing.”
Data formats & record details
Download this profile and inspect its supporting evidence.
- Entity ID
- urn:readyscan:entity:alphalatitude-inc-q140317280
- Material fingerprint
- fnv1a64:ed5b67a42172bb45
- Entity revision
- fnv1a64:0aa690a0e02f5abb
- Published
- 2026-10-28
- Modified
- 2026-10-28
- Source summary
- OptionsAhoy: “A portfolio planning tool for equity holders. Models cash, stocks, compensation options, RSUs, and options contracts, and optimizes across configurable time horizons.”
- Evidence record
- urn:readyscan:corpus:evidence:alphalatitude-inc-q140317280