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    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog</loc>
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    <lastmod>2026-07-15</lastmod>
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      <image:title>Josh's Equity Comp Blog</image:title>
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      <image:title>Josh's Equity Comp Blog</image:title>
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    <image:image>
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      <image:title>Josh's Equity Comp Blog</image:title>
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      <image:title>Josh's Equity Comp Blog</image:title>
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      <image:title>Josh's Equity Comp Blog</image:title>
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    <image:image>
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      <image:title>Josh's Equity Comp Blog</image:title>
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  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/whats-the-true-cost-of-diy-ing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-06-22</lastmod>
    <image:image>
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      <image:title>Josh's Equity Comp Blog - What’s the true cost of DIY-ing your finances? - Make it stand out</image:title>
      <image:caption>I think that most people forget to incorporate the cost of their time when they look to DIY their finances.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/how-can-you-protect-yourself-against-cyber-criminals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-06-22</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/37b8b645-8b46-4255-98e2-8ea4d14d8f5c/SIM+protection</image:loc>
      <image:title>Josh's Equity Comp Blog - How can you protect yourself against cyber criminals? - Make it stand out</image:title>
      <image:caption>Toggle SIM protection to help prevent your phone number from being “spoofed”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/d15106a8-01fa-4f81-98b6-689b51a43fca/Transunion+Credit+Freeze</image:loc>
      <image:title>Josh's Equity Comp Blog - How can you protect yourself against cyber criminals? - Make it stand out</image:title>
      <image:caption>Here is what you’ll see after you’ve placed a credit freeze on your account via Transunion. Remember — it’s free to do so!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/what-questions-should-i-ask-when-interviewing-a-financial-advisor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/ed6ee2ef-6ea9-4036-a3c0-2dea4a5d809a/private+equity+investment.jpg</image:loc>
      <image:title>Josh's Equity Comp Blog - What questions should I ask when interviewing a “financial advisor”? - Make it stand out</image:title>
      <image:caption>This is a screenshot from a mid-size investment advisory’s publicly-available Form ADV, which is disclosure document that investment advisers file to satisfy ongoing annual reporting and disclosure obligations. You can see that the company publicly discloses that it is majority owned by private equity. Ownership Code “F” denotes a general partner, trustee, or elected manager and the following column denotes whether they are a control person. This disclosure is available online for all firms and can provide insight into who has majority ownership of the firm or whether outside capital is involved.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Josh's Equity Comp Blog - What questions should I ask when interviewing a “financial advisor”? - Make it stand out</image:title>
      <image:caption>This is a screenshot from a mid-size investment advisory’s publicly available Form ADV, which is disclosure document that investment advisers file to satisfy ongoing annual reporting and disclosure obligations. You can see the number of client households that they serve. While this doesn’t give you a household/advisor number, it can nevertheless be helpful to get a sense of what type of service level you may expect to receive.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Josh's Equity Comp Blog - What questions should I ask when interviewing a “financial advisor”? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/cad0de5b-82e9-430e-9d9f-4f20f507206c/633735689_25892151563740097_1810872438588397226_n.jpg</image:loc>
      <image:title>Josh's Equity Comp Blog - What questions should I ask when interviewing a “financial advisor”? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/642f9fe9-4227-4515-b7d0-02feb7bddf91/Screenshot+2026-02-25+194850.png</image:loc>
      <image:title>Josh's Equity Comp Blog - What questions should I ask when interviewing a “financial advisor”? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/b3ee3035-4b44-4496-9b4e-d785975760a4/Screenshot+2026-02-25+195306.png</image:loc>
      <image:title>Josh's Equity Comp Blog - What questions should I ask when interviewing a “financial advisor”? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/what-is-your-time-worth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-06-17</lastmod>
    <image:image>
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      <image:title>Josh's Equity Comp Blog - What is your time worth? - Make it stand out</image:title>
      <image:caption>Values calculated in annual costs assuming 100hrs annually (2hrs/week) spent DIY’ing your finances</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/should-i-hold-cash-in-a-bull-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-18</lastmod>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/why-i-charge-a-flat-fee</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-06-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/b64f28e6-ff0a-492f-950a-f6c270cb0340/the+true+cost+of+AUM+fees</image:loc>
      <image:title>Josh's Equity Comp Blog - Why do I charge a flat fee? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/aligning-investments-with-goals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-18</lastmod>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/why-diversification-is-key</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/a55a29d8-8b84-4439-99d3-1fd3f16e12da/single+concentrated+position+and+volatility</image:loc>
      <image:title>Josh's Equity Comp Blog - When The Music Stops: Why Diversification Is Key - Make it stand out</image:title>
      <image:caption>In this graph, the different line colors represent concentrations of stocks with higher or lower volatility. We see these lines begin to diverge at around ~10% on the x-axis, demonstrating the excess volatility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/69b2f79c-006e-42b5-9e40-797b9832ef7d/dimensional.png</image:loc>
      <image:title>Josh's Equity Comp Blog - When The Music Stops: Why Diversification Is Key - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/8d0d14d9-29ae-4e25-b6b1-af6cd14489a8/top+10+stocks+by+decade+S%26P+500.png</image:loc>
      <image:title>Josh's Equity Comp Blog - When The Music Stops: Why Diversification Is Key - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/cfcf0f9f-b12d-430c-a0eb-a535c316ba35/us+vs+international+outperformance.png</image:loc>
      <image:title>Josh's Equity Comp Blog - When The Music Stops: Why Diversification Is Key - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/2266e17a-3d4c-4d8b-868f-a61bcabf14f3/S%26P+500+sector+performance.png</image:loc>
      <image:title>Josh's Equity Comp Blog - When The Music Stops: Why Diversification Is Key - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/how-i-think-about-the-equity-vs-salary-trade-off</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/71d4e5f5-1604-4dae-ab9c-e4b200b1e3bb/where+are+they+now+2018+startups.jpg</image:loc>
      <image:title>Josh's Equity Comp Blog - How I think about the equity vs. salary trade-off - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/1f7bccf1-c910-4a9c-96c9-1b3a621b7847/decile+groups.png</image:loc>
      <image:title>Josh's Equity Comp Blog - How I think about the equity vs. salary trade-off - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/f23a8e5f-c6bb-4587-86ee-fa795355fa00/why+a+failed+startup+might+be+good+for+your+career.png</image:loc>
      <image:title>Josh's Equity Comp Blog - How I think about the equity vs. salary trade-off - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/musings-on-passive-vs-active-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/2989951f-5ecf-4f87-bf23-264b18c94dbd/active+fund+success+rate.png</image:loc>
      <image:title>Josh's Equity Comp Blog - Musings on passive vs. active investing - Make it stand out</image:title>
      <image:caption>% of “Active Funds” that beat their passive benchmark over the course of 1yr and 15yrs</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/considerations-when-participating-in-your-companys-tender-offer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/1d596ec1-f9d9-4fc6-bac6-af76c0b3ade0/tender+offer+and+NSO+ISO+conversion</image:loc>
      <image:title>Josh's Equity Comp Blog - Considerations when participating in your company’s tender offer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/3ce770bd-de3c-4343-8fdb-cadac38d5457/Offer+Price+and+409a</image:loc>
      <image:title>Josh's Equity Comp Blog - Considerations when participating in your company’s tender offer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/e899fb63-6182-4cef-92ef-ee45bb986d12/RSUs+and+common+stock</image:loc>
      <image:title>Josh's Equity Comp Blog - Considerations when participating in your company’s tender offer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/using-option-collars-to-diversify-concentrated-rsu-positions-in-a-tax-efficient-way</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/e2824985-b469-4106-a68d-bc3bd306d560/AAPL+Option+Collar</image:loc>
      <image:title>Josh's Equity Comp Blog - Using Option Collars to Diversify Concentrated RSU Positions in a Tax-Efficient Way - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/need-tax-strategy-find-a-good-cfpnbspneed-taxes-done-right-find-a-good-cpa-or-ea</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/should-i-early-exercise-my-isos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/b38c0348-8b98-4c12-b170-3087fdf9c5e3/ISO+early+exercise+example.png</image:loc>
      <image:title>Josh's Equity Comp Blog - Should I early exercise my ISOs? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/tax-advantage-to-holding-my-rsus-past-vest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/80fcd06c-4b5d-4c85-af0c-bbad6145e3e8/how+are+rsus+taxed.png</image:loc>
      <image:title>Josh's Equity Comp Blog - Is there a tax advantage to holding my RSUs past vest? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/3f589308-dd3d-4606-9280-762dfb08f98d/Screenshot+2025-03-05+173308.png</image:loc>
      <image:title>Josh's Equity Comp Blog - Is there a tax advantage to holding my RSUs past vest? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/03dc318b-80b4-4c84-b969-05988fea0692/Screenshot+2025-03-05+172053.png</image:loc>
      <image:title>Josh's Equity Comp Blog - Is there a tax advantage to holding my RSUs past vest? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/which-type-of-equity-should-i-take</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/3e7b92d1-5e36-47ca-8073-5e8b5cdcab4a/equity+comp+analysis.png</image:loc>
      <image:title>Josh's Equity Comp Blog - Should I take cash, RSUs, at-the-money NSOs, or out-of-the-money options? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/teaching-mbas-about-equity-comp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/540f958a-3606-41b7-8c04-f3b72d425d52/IMG_6899.jpeg</image:loc>
      <image:title>Josh's Equity Comp Blog - Teaching MBA students about equity comp - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/should-we-change-our-investment-mix-with-trump-in-office</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
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      <image:title>Josh's Equity Comp Blog - Should we change our investment mix with Trump in office? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should we change our investment mix with Trump in office? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should we change our investment mix with Trump in office? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Initial Public Offerings: Technology Stock IPOs - Dr. Jay Ritter</image:caption>
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      <image:title>Josh's Equity Comp Blog - How do tech companies perform post-IPO? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - How do tech companies perform post-IPO? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - How do tech companies perform post-IPO? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Josh's Equity Comp Blog - Should I sell or hold my RSUs upon vest? Here’s the data. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Meet Josh</image:title>
      <image:caption>Strong winds at Joshua Tree National Park.</image:caption>
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      <image:caption>New hobby: pickling veggies. First-ever batch of pickled Okra.</image:caption>
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      <image:title>Meet Josh</image:title>
      <image:caption>Sequoia National Park (my favorite!)</image:caption>
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      <image:caption>Caught a fish. Benton, Arkansas.</image:caption>
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      <image:title>Meet Josh</image:title>
      <image:caption>Caught a slightly bigger fish (Lingcod). The smaller fish are Sea Bass. Seward, AK.</image:caption>
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      <image:caption>Pandemic got me hooked on road biking! Denver, CO.</image:caption>
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