RSUs, stock options, deferred compensation, and concentrated positions don’t just live in one box of your financial life. Every decision about them touches your taxes, your retirement income, your estate, and your exposure to a single company’s performance.
We help executives see those decisions as one coordinated plan — not separate transactions.
When RSUs vest, it’s easy to treat it as an investment event. But the decision about whether to hold or sell is also a tax decision, a concentration risk decision, and — if you’re within 10 years of retirement — a retirement income decision.
The same is true for stock options, deferred compensation elections, and the interplay between your executive benefits and your overall financial picture.
We’ve found that most executives are making these decisions well in isolation. The problem isn’t the individual decisions. It’s the coordination between them.
We help executives coordinate RSU vesting and option exercise decisions with their overall tax situation — thinking about ordinary income, LTCG rates, AMT exposure, and how each tranche fits into the full year’s tax picture.
[PLACEHOLDER — tax planning coordination disclaimer. Amanda to confirm standard language.]
Concentrated company stock feels safe because it’s familiar. We help executives understand the actual risk profile of concentration — and build a plan for diversification that accounts for tax consequences, vesting schedules, and Rule 10b5-1 considerations if applicable.
[PLACEHOLDER — employer non-endorsement language. If any specific employer names (e.g. GE, Amazon) or named company benefit/equity plans are referenced on this page, add a "Stonehearth is not affiliated with, endorsed by, or sponsored by any named employer" disclaimer. Amanda to provide final wording.]
Non-qualified deferred compensation plans are powerful but complicated. The election decisions, the payout timing, and the unsecured creditor risk all require careful planning in coordination with your retirement and estate picture.
Executive compensation eventually becomes retirement income. We help plan the transition — coordinating the final vesting schedules, deferred comp distributions, Social Security timing, and portfolio withdrawal strategy into a coherent income plan.
We serve as the central coordinator between your equity compensation, your tax advisor, your estate attorney, and your retirement plan. One point of contact. One connected picture.
How we coordinate your equity compensation with your broader financial picture →Executive compensation eventually becomes retirement income. The transition requires coordination across every piece of your financial plan.
Executive compensation eventually becomes retirement income. Learn how we help with the transition →The first conversation is about understanding your situation — not presenting a proposal. No preparation required. No documents to gather. No commitment to make.