Wealth Management | Plancorp | Equity Compensation

The Short Answer: Should I sell my RSUs? Yes— many people choose to sell their RSUs soon after they vest as a way to manage taxes and concentration risk. RSUs are taxed immediately at vesting and function like a bonus paid in company stock, so holding them increases your concentration risk without Read more…

The Short Answer: Should I sell my ESPP shares? Many employees choose to sell ESPP shares shortly after purchase to capture the discount and reduce concentration risk, but the appropriate approach depends on an individual's circumstances, tax situation, and financial goals. ESPP shares are best Read more…

Restricted Stock Units (RSUs) are a popular part of compensation packages for executives and high earners. They can be a powerful way to build wealth when you’re employed by a growing company, but many people don’t realize RSUs often come with hidden implications, like a potential tax bill much Read more…

The short answer: You might benefit from a 10b5-1 plan if a large portion of your wealth is tied to company stock, you are concerned about the appearance of insider trading, or insider trading rules make it difficult to place trades when you want to. Read more…

If you're earning equity compensation and your company’s stock price begins to nosedive, it's only natural to feel a bit panicked. After all, so much of your financial life is already tied to your employer. Read more…

If Restricted Stock Units (RSUs) are part of your compensation, stock price swings can feel personal—especially when they represent a meaningful portion of your long-term wealth. Read more…

You’ve worked hard to earn that bonus, those RSUs, or that commission check. These rewards often feel like the payoff for years of effort and strategic career moves. Read more…

It often starts quietly. Maybe you bought shares in a company you believed in. Maybe you were rewarded with stock options for years of hard work that compounded over time. Or maybe you simply held on as one investment outperformed everything else in your portfolio. Read more…

Exercising stock options can be one of the most exciting—and stressful—financial decisions you’ll make. Done right, it can unlock life-changing wealth. Done wrong, it can create tax surprises, liquidity crunches, and unnecessary risk. Read more…

When your company goes public, it can be a life-changing event. An initial public offering (IPO) often unlocks substantial wealth for employees who have accumulated equity compensation in the form of stock options or restricted stock units (RSUs). Suddenly, what began as a promise of ownership in a Read more…