This isn't how vesting is typically set up for founders at a startup in the US. You'd do well to read the eBook I linked to, as well as Grellas' series of posts: http://www.grellas.com/faq_business_startup.html Pay particular attention to the stuff about 83(b) elections.
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I'm flagging this post because it contains bad advice.
For information on this topic from someone who actually knows what they're doing, please read "An Introduction to Stock and Options" by David Weekly:
http://www.amazon.com/Introduction-Stock-Options-David-Weekl...
Please specify with what you disagree
This isn't how vesting is typically set up for founders at a startup in the US. You'd do well to read the eBook I linked to, as well as Grellas' series of posts: http://www.grellas.com/faq_business_startup.html Pay particular attention to the stuff about 83(b) elections.
Pretty much all of it is contrary to the advice you'd get from any U.S.-based law firm (and based on my experience, from U.K. firms as well).
Your advice may be appropriate to Finnish startups, but you don't mention any geographic restrictions on your advice.