Equity Compensation Planning Review
Your equity is vesting. Do you actually have a plan for it?
RSUs, stock options and ESPP shares can become a large share of household wealth without anyone deciding that on purpose. This review organizes the questions worth thinking through before your next vest, exercise window or liquidity event.
Built for executives and employees who receive RSUs, stock options or ESPP shares.
Common equity compensation blind spots
- Company stock has grown into a large share of net worth.
- Withholding at vest doesn’t match the household’s actual tax bracket.
- Option exercise windows and vest dates aren’t on anyone’s calendar.
- Equity decisions are made separately from the rest of the financial plan.
What the review looks at
- Concentration in employer stock
- Tax coordination
- Vest and exercise timing
- Liquidity and cash planning
- Diversification and overall plan coordination
How the review works
About 3 minutes, 9 questions. Results are educational and generated from your answers; they are not advice or a suitability determination. Completing the review does not contact any professional.
About this review
Created and published by Sam's List. Related Sam's List profile: Capital Area Planning Group.
Related reading
Frequently asked questions
How are RSUs taxed?
In general, RSUs are taxed as ordinary income when they vest, based on the share value at that time. Later gains or losses when you sell are generally capital gains. Your situation may differ, so confirm with a tax professional.
What’s the difference between ISOs and NSOs?
Both are stock options. NSO exercises generally create ordinary income. ISOs may receive different tax treatment but can trigger alternative minimum tax. The rules are detailed, so review them with a qualified professional.
Does this review tell me whether to sell, hold or exercise?
No. The review is educational and reflects only your answers. It isn’t an investment recommendation and doesn’t say whether to sell, hold or exercise anything.
Is anything shared with Capital Area Planning Group?
Nothing is shared automatically. You decide whether to contact Malcolm Ethridge / Capital Area Planning Group from the results page.
Sam's List is a directory. Listing or paid status does not imply endorsement or ranking.