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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: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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    <priority>0.5</priority>
    <lastmod>2026-02-16</lastmod>
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      <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>
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      <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>
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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>
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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>
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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>
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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>
  </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>2026-02-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/8aec7621-0db2-4d1c-badc-7e5e2590d5e3/Screenshot+2026-02-24+083931.png</image:loc>
      <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>2025-09-19</lastmod>
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      <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>
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      <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>
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      <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>
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      <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>
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      <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>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/b4459548-3d1e-47c6-812a-5f6e94131af1/mortgage+rates1.png</image:loc>
      <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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/92e43662-8399-4b89-9dca-77751ef7cea4/Screenshot-2025-01-14-151143.png</image:loc>
      <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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64f8f5ba851cfe25b8ef7a16/ea068f01-12da-4849-b7c7-f5c00d555905/energy1.png</image:loc>
      <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>
    </image:image>
  </url>
  <url>
    <loc>https://www.presidioadvisorsllc.com/joshs-equity-comp-blog/how-do-tech-companies-perform-post-ipo</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/dee5a8dc-0bb4-489e-8f5c-ba7be66b211f/long-run+returns+on+VC-backed+IPOs.png</image:loc>
      <image:title>Josh's Equity Comp Blog - How do tech companies perform post-IPO? - Make it stand out</image:title>
      <image:caption>Initial Public Offerings: Technology Stock IPOs - Dr. Jay Ritter</image:caption>
    </image:image>
    <image:image>
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      <image:title>Josh's Equity Comp Blog - How do tech companies perform post-IPO? - Make it stand out</image:title>
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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>
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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>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:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Strong winds at Joshua Tree National Park.</image:caption>
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