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The Stock Options Analyzer™-P&G

When options become part of your compensation package at P&G, you are faced with some additional opportunities and challenges on how to best navigate this portion of your compensation package. In keeping with Procter and Gamble’s conviction that financial success of P&G executives should be tied to the financial success of its shareholders, the stock options program offers remarkable incentive and rewards, but the ability to properly evaluate this part of the compensation is often overlooked and misunderstood by those who can benefit from it most.  
In our experience, many P&G executives rely on their own gut feeling or homemade analysis to determine how long to hold their options before exercising them. Often, they wait until the final year or months of exercise availability before they finally pull the trigger. In our planning process, we use The Stock Options Analyzer™. This tool utilizes advanced metrics that are impartial, objective and not tied to the emotional biases of the options holder. We analyze the past performance and risk metrics of P&G stock to determine and create the most probable time frames and price points at which to exercise each option grant. We proactively design a stock option exercise program specifically geared towards obtaining the maximum value from each grant while attempting to minimize the downside risk inherent in stock option assets. We evaluate the tax impact of stock option assets and stock option exercises to assess the benefits or disadvantages of taxable option income on your adjusted gross income.

The difference between something good and something great is attention to detail.

The Stock Options Analyzer™ helps our clients see not only the upside potential, but to recognize the dangers of the leverage when P&G stock fails to perform as expected. We help you to see the full picture and get a true understanding of the leverage that stock options provide. More importantly, we show you how the strategy of your stock option exercises tie in with the success or failure of your overall financial picture and retirement income plan. In the final analysis, utilizing The Stock Options Analyzer™ allows you to see a clear path to your ultimate final destination.

Answers the Questions:

  • What is the after-tax value of my stock options?
  • What is the Black-Scholes valuation of my stock options and how does it affect the way I think about my options?
  • When should I exercise each of my option grants?
  • Should I exercise a grant at one time or in stages?
  • What metric can I use to determine the best time to exercise an option grant?
  • How do I know if the risk of continuing to hold onto a particular grant has started to outweigh the potential gain of holding on?
  • How does taxation of my option grants work and how does that impact the timing and methodology of exercising my options?
  • How does the rest of my financial picture and my anticipated cash flow affect the way I should think about my stock option portfolio?

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Emily Miller
Administrative Assistant

Born and raised in Cincinnati, Emily earned a degree in finance from Miami University. After graduation, she spent 12 years in Charleston, South Carolina, working in compliance for a small broker-dealer. During that time, Emily obtained Series 7, 63, and 24 licenses, building a strong foundation in regulatory oversight and financial services.

Outside of work, Emily is a proud parent of three children, Reese (16), Parker (15), and Landon (11). A lifelong sports enthusiast, she enjoys watching games and attending live sporting events whenever possible. When it comes to favorite teams, The Ohio State Buckeyes top the list.

Courtney Greene
Client Services Director
Courtney joined the Clarity Wealth Management team in 2020 as a Client Services Specialist. After more than a decade of professional experience directing and managing a youth sports program, she brought a strong “people-first” mentality to our practice, which she applies to her work every day with Clarity Wealth Management.
Courtney excels in her role as office manager and in servicing our clients’ investment and insurance accounts. She’s also heavily involved in preparing meeting materials and assists our advisors with creating financial plans. Courtney loves helping clients find clear paths to their financial future and facilitating a top-notch client experience.
A Cincinnati native, Courtney enjoys hiking, baking, and game nights with her loved ones.
Matt Held, CFP®
Lead Advisor and Partner
Matt is the lead advisor and partner of Clarity Wealth Management. A native Cincinnatian, Matt takes extreme pride in this city and in the clients he works with every day. He began his financial planning career with Wachovia Securities Financial Network while attending The Ohio State University.
Matt has more than 19 years of experience working with corporate executives and young professionals looking to maximize the value of their financial resources and find better routes for their financial future. He values a collaborative approach so his clients have a guide for their journey with no opportunities overlooked.
Matt is currently Series 7 and 66 securities registered and is also licensed for health insurance. He obtained his CERTIFIED FINANCIAL PLANNER® certification in 2012 and has been named a Five-Star Wealth Manager in the Cincinnati area since 2013.*
*2013 – 2018, 2020 – 2025 Five Star Wealth Manager Award, created by Five Star Professional. The 2025 award was presented in September 2025 based on data gathered within 12 months preceding the issue date. 1789 advisors were considered, 191 advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of the advisor’s future performance. Your experience may vary. For more information, please visit www.fivestarprofessional.com.
Jay Finke, CFP®
Founder and Managing Partner
Jay is the founder and managing partner of Clarity Wealth Management. After graduating from Valparaiso University, Jay initially took the entrepreneurial route and built his first company. After later selling the business, his detailed and analytical approach led him to the world of financial planning.
Jay has extensive experience helping corporate executives and retirees make informed decisions around retirement timing, equity compensation, and legacy planning. He and his team created the Clear Path Process™, an innovative and personalized planning process that helps each client find clarity in their path to and through retirement.
Jay is a CERTIFIED FINANCIAL PLANNER® professional and holds the FINRA Series 6, 63, and 7 registrations. He has extensive experience helping a wide range of clients, including corporate executives, retirees, professionals, business owners, and single females, who are looking for a guide to take them on a path to their financial future. He has been named and listed in Cincinnati Magazine as a Five-Star Wealth Manager in the Cincinnati Area since 2012.*
*2012 – 2025 Five Star Wealth Manager Award, created by Five Star Professional. The 2025 award was presented in September 2025 based on data gathered within 12 months preceding the issue date. 1789 advisors were considered, 191 advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of the advisor’s future performance. Your experience may vary. For more information, please visit www.fivestarprofessional.com.