Restricted stock units are taxed as ordinary income when they vest, at the share price that day. Employers withhold tax, often at a flat supplemental rate that can be lower than your actual bracket, so many people owe more at tax time.
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Non-qualified stock options (NQSOs): the spread between the exercise price and market price is ordinary income when you exercise. Incentive stock options (ISOs).
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Exercising and holding ISOs adds the spread to your AMT income. We project AMT before you exercise and size exercises across tax years.
Owning a lot of your employer's stock ties your savings to the same company as your paycheck. We set a written diversification plan with sale targets and timing.
We project your tax and set estimated payments so vesting and exercises do not create penalties or surprises.
