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Working / Accumulation Phase, Assets and Investment Planning

What Issues Should I Consider Regarding My Restricted Stock Units?

Restricted Stock Units (RSUs) are a popular form of equity compensation that, after vesting, result in an employee’s receipt of shares of company stock or a cash payout. Similar to a bonus, RSUs can positively affect cash flow but incur taxes that require planning. Many of your clients have been (or will be) granted RSUs by their employer during their careers. It is important for these fortunate clients to develop an understanding of how these interests fit into their overall financial plan.

This checklist helps guide your conversations when advising clients regarding their RSUs. It covers:

  • Key characteristics of RSUs
  • Ordinary income tax considerations at vesting
  • Capital gains tax considerations at sale
  • Company stock and portfolio considerations
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