Financial Planning FAQs for Tech Professionals

We answer some of the most common — and most important — questions our clients ask. Whether you're navigating equity comp, early retirement, or global investing, our answers are grounded in research & experience, not guesswork.

1. What should I do with my RSUs when they vest?

When RSUs vest, their value is treated as ordinary income, and taxes are typically withheld automatically. You can hold the shares or sell them — each has pros and cons. Selling right away helps manage risk and liquidity needs. Holding may make sense if you believe in the company and can handle the concentration. A personalized plan helps you avoid regret and optimize your after-tax outcomes.

2. How can I reduce taxes on my RSUs or ISOs?

Timing is everything. For RSUs, consider offsetting gains with tax-loss harvesting or donating appreciated stock. For ISOs, holding shares for at least one year post-exercise (and two years from grant) may qualify you for long-term capital gains — but watch for AMT exposure. A coordinated tax strategy can meaningfully reduce what you owe.