We break down RSUs, PSUs, and ESPP stock compensation so you understand what you own, when taxes hit, and what choices you actually control. We also share a practical framework for deciding when to sell, when to hold, and how to avoid getting overexposed to your employer’s stock.
• How RSUs and PSUs work and why companies grant them
• Common vesting schedules and what “vesting” really means
• Why RSU taxes are triggered on the vesting date and flow to your W-2
• The two post-vesting choices that matter most, hold or sell
• Short-term versus long-term capital gains and why the one-year mark matters
• How your income level and household situation change the best strategy
• How ESPPs work, including payroll purchases and typical discounts
• ESPP tax timing, including the one-year and two-year holding rules
• Concentration risk with company stock and a 10% net worth rule of thumb
To learn more about Stansell Wealth Planning visit:
https://www.StansellWealth.com
Stansell Wealth Planning
5550 Granite Pkwy, STE 270
Plano, TX 75024
469-606-2040
