Brooklyn Fi

CoreWeave employees: We created a comprehensive IPO preparation guide specifically for you. After analyzing CoreWeave's S-1 filing and leveraging our experience guiding employees through tech IPOs since 2018, we've identified the unique challenges you're likely to face: 1??The extraordinary valuation growth (with FMV increasing substantially) creates significant AMT exposure 2??Complex ISO/NSO considerations given CoreWeave's equity structure 3??Strategic timing decisions around the IPO window 4??Post-IPO diversification strategies for reducing risk, and helping you achieve your goals We've built a step-by-step guide to help you address these issues. Having guided employees through IPOs at companies like ??????????????, ????????, ??????????????, ???????????????? we've seen firsthand how early planning can lead to dramatically different outcomes. I just posted the full whitepaper last week.? Check it out or DM me if you want me to send it to you directly (I can’t do video AND a document on LinkedIn!) #AI #CoreWeave #IPO #ArtificialIntelligence #TechInnovation #AIInfrastructure #bkfi

CoreWeave's S-1 filing, do you know what to look for as an employee? Here are the key employee-focused details you should understand: ?The employee equity pool size and potential dilution ?Lock-up periods mentioned (typically 180 days post-IPO) ?Executive compensation details (revealing company priorities) ?Risk factors affecting CoreWeave's business model ?Microsoft's 62% contribution to 2024 revenue (what does this mean?) Your equity compensation will soon transition from theoretical value to ????????-?????????? ????????????. But the decisions you make in the next few months will significantly impact how much you actually keep. At Brooklyn Fi, we've helped employees navigate the complexities of major IPOs including ??????????????, ????????, ??????????????, ???????????????? and more. The AMT impact for CoreWeave employees could be particularly significant given the explosive valuation growth from your exercise price to current fair market value. Need help understanding what's happening? Check out our full 11-page whitepaper, designed specifically for CoreWeave employees prepping for the imminent IPO?? #AI #CoreWeave #IPO #ArtificialIntelligence #TechInnovation #AIInfrastructure #bkfi

CoreWeave employees: Your S-1 is public and it's time to plan for your IPO. What next? Here's what stands out in the filing that matters to you as an employee: 1?? The AI infrastructure market CoreWeave targets is projected to hit $399 billion by 2028 2?? Revenue growth has been massive - from $16M in 2022 to $1.9B in 2024 (up 737% year-over-year) 3?? This growth means your equity could see significant appreciation when trading begins But here's the key question: Are YOU prepared for what happens next? Most employees focus entirely on their company's stock price while overlooking critical personal financial decisions that need to be made before, during, and after the IPO process. At BKFi, we've guided employees through numerous IPOs, helping them navigate the complexity of equity compensation, exercise windows, and tax implications. Have you thought about: ??Your optimal exercise strategy? ??Tax planning across multiple jurisdictions? ??AMT implications (potentially a BIG issue!) ??Your post-IPO diversification plan? Don't wait until the lockup is about to expire. Now is the time to plan. Send me a message or comment if you would like access/link to our resources: ?How to Read an S-1 Filing ?How to Prepare for an IPO, ?BKFi IPO Whitepaper for CoreWeave employees

PSA: Are you a CoreWeave employee wondering if your financial ducks are in a row for the IPO? Shoot us a message. Here's how CoreWeave went from crypto trading to becoming AI's most anticipated IPO of 2025: On tomorrow's Liquidity Event podcast, AJ and Shane break down this transformative story, including: -The AI cloud infrastructure landscape -Employee equity considerations -Explosive growth from $229M to $1.9B revenue in just one year Plus: Essential advice for anyone thinking of starting their own business. Join us for insider insights and real talk about entrepreneurship. ?? New episode drops tomorrow morning. Follow us to catch the latest!

Where should you direct your retirement savings when you have multiple income streams? ???? In this week's Liquidity Event, Shane and AJ tackle a Reddit question that many self-employed professionals ask: If I've already maxed my employer 401(k), should I contribute to a traditional or Roth self-employed 401(k)? Their advice: When in doubt, go traditional. If you're earning enough to fund both your workplace and self-employed retirement accounts, you're likely in a higher tax bracket now than you will be in retirement. As Shane puts it: "Let's take the 35 cents tax deduction now. I don't know what you'll be in retirement, but these are likely your peak earning years." The episode also explores surprising data on friendship patterns across education levels and the current state of the IPO market. ??Check out the full episode: https://hubs.li/Q038H1pK0 #RetirementPlanning #SelfEmployed #401k #TaxStrategy #FinancialPlanning #WealthManagement

As I've met with clients so far this year, these three topics have come up most frequently when discussing the markets. ?? Volatility We’ve seen increased swings as investors digest shifting interest rate expectations, inflation concerns, and economic data - along with some sky-high stock valuations in the tech space. While it’s tempting to react to this - we’re maintaining our focus on the long-term, and ensuring we’re exposed to more than just large US companies. To date in 2025, that exposure has paid off - both Developed and Emerging international markets have outperformed the S&P 500 so far this year. ?? Geopolitical Risk A 24-hour news cycle, DOGE layoffs, and an increasingly shifting and complicated foreign policy landscape are more than enough to cause some whiplash for all of us. In a period where there’s a new headline every five minutes, it’s important to keep the perspective that your portfolio is often built for the time horizon of five presidencies (or more). Diversification remains essential in mitigating exposure to any single geopolitical event. ?? Tariffs & Trade Tensions Finally, the fear of trade wars and inflation has impacted markets and spending already. While we’ve seen retaliatory tariffs announced and threats of tariffs on major trading partners like Canada and Mexico. But it remains unclear if some of these are more of a negotiating move or a permanent change in trading policy. ?? What Should You Do? As I tell clients, it's crucial to remain focused on your long-term plan and our diversified investment strategy while making prudent tax planning moves when the market shifts. #Investing #Markets #WealthManagement #FinancialPlanning #BKFi

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?? NEW POD ALERT ?? This week’s episode of The Liquidity Event is quite possibly our most unhinged yet—and we wouldn’t have it any other way! We covered everything from the absurdity of Brian Johnson’s latest attempt at reversing aging (hyperbaric chamber office, anyone?) to the very real and kind of depressing trend of the friendship gap in America. Turns out, if you don’t have a college degree, you’re statistically less likely to have a strong social circle. Why? A mix of class divide, urban vs. rural isolation, and (probably) Amazon destroying every third place we used to have. ?????? Of course, we couldn’t resist diving into Doge-gate—aka the latest claim that the government “saved” $55 billion, which upon closer inspection… yeah, not so much. We break down what’s actually going on (hint: it’s giving smoke and mirrors). Also: AJ is working on her Certified Exit Planning Advisor (CEPA), which means Brooklyn FI is getting even deeper into helping business owners plan their exits. Shane is considering opening a bookstore in Mexico City. We close things out with some real financial advice: should you max out a second 401(k) if you have a side hustle? Our answer? If you can, do it. This episode is a wild ride, and we are HERE FOR IT. Hit play, leave us a voicemail (https://hubs.li/Q038GQjd0), and let us know: how many close friends do you have? Are we all doomed to loneliness, or can we fight the friendship gap?? ???? https://hubs.li/Q038H62q0

Feeling lonely? There's a surprising reason why. In 1990, those with only a high school diploma were MORE likely to have 6+ close friends (49%) than college graduates (45%). Fast forward to 2024 and everything's flipped: -33% of college grads report having 6+ close friends -Just 17% of those with a high school diploma or less say the same On tomorrow's episode of The Liquidity Event, Ally Jane Ayers, CFP? and Shane Mason, CPA, CFP explore this dramatic reversal in friendship patterns and how education level has become a key factor in our social connections. They'll also tackle Elon Musk's Department of Government Efficiency (DOGE) claims of saving billions (spoiler: the numbers don't add up). They had planned on talking about a lot more but things got a little silly. Instead of talking about IPOs they covered AJ’s new designation, Shane’s dream of opening a bookstore, and the difference between Hedonic and Eudaimonic happiness. Tune in Friday for the full episode!

Last week, Etsy released its Q4 2024 earnings that showed a mixed bag of results against analyst expectations. We're sharing this information because earnings reports typically impact the company's stock price. We love working with Etsy employees and many of our clients will see their RSU vesting price impacted by this announcement. Here were the key takeaways: Revenue Expected: $862.01M Reported: $852.16M Miss: -1.1% vs expectations Growth: Up 1.2% YoY Earnings Per Share (EPS) Reported: $1.03 (diluted) Growth: Up 66% YoY from $0.62 in Q4 2023 Other highlights: Active buyers reached 89.6M (down 2.6% YoY) Gross Margin hit 74.5% (up from 69.6% in Q4 2023) Depop achieved highest quarterly GMS (gross merchandise sales) since acquisition Looking ahead to their 20th anniversary year, Etsy projects similar GMS declines in Q1 2025 but expects improved performance beyond Q1, with a focus on increasing buyer engagement and returning to GMS growth.