Vesting is creating a tax question
RSUs, options, bonuses, or deferred comp are about to hit income, and you want to know what can be planned before the tax bill is already baked in.
For Equity Comp
Equity compensation can make good income feel complicated.
RSUs, stock options, deferred comp, bonuses, and concentrated company stock can create tax and timing decisions that should not be handled one grant at a time.
You may be here because
This is not just a diversify-or-hold decision.
This page is for the executive or professional whose compensation has become more complicated than a paycheck and a 401(k).
Concentration is not a generic decision
You may know people who held company stock and did very well. You may also know concentration can go badly. The right answer needs to be personal, not automatic.
You want planning before asset management
You may not be looking to hand over every account. You want a tax strategist and financial planner who can help decide what should happen first.
Connected planning
Equity decisions need context.
The usual advice is to diversify. Often that is right. Sometimes it is incomplete. A better process looks at grant type, vesting schedule, tax bracket, AMT exposure, cash needs, career risk, company risk, retirement goals, and the rest of the portfolio.
Talley Wealth helps executives and professionals coordinate equity compensation with the broader plan. That can include tax projections, vesting calendars, sale plans, diversification frameworks, withholding review, charitable strategy, retirement contributions, and investment allocation.
Local proof
Talley Wealth has earned 67+ public Google reviews with a 5.0 average rating. Reviews are one proof point, not a promise of future results, but they do show that local families are willing to put their names behind the experience.
Read public reviewsNuance Around Concentration
We do not pretend every concentrated position has the same answer. We build a decision framework around your risk, upside, taxes, and goals.
Tax Modeling Before the Event
The useful planning happens before vesting, exercise, sale, or deferral deadlines. We model the tax effect while there is still time to choose.
Planning First
Keystone gives you a planning engagement before any ongoing investment relationship, so equity decisions are not reduced to a sales conversation.
What we coordinate
The useful details are connected.
- RSU vesting, withholding, and sale planning
- ISO, NSO, and ESPP tax coordination
- AMT exposure and exercise timing analysis
- Concentrated stock diversification frameworks
- Deferred compensation election and distribution planning
- Bonus, withholding, estimated tax, and cash-flow coordination
- Investment management that reflects career and company-stock risk
Representative situation
An executive with RSUs vesting and no clear sale plan
Situation
An executive has several RSU vesting dates coming up, a large bonus year, and a growing amount of net worth tied to one company. They are not opposed to diversifying, but they also do not want a generic answer that ignores upside, career trajectory, or taxes.
Approach
We might build a vesting calendar, tax projection, withholding review, and concentration map. Then we would compare sale rules, diversification targets, estimated tax needs, retirement contributions, and reinvestment options so each vesting event fits the larger plan.
This representative situation is hypothetical and for educational purposes only. It is not based on, and should not be understood as referencing, any specific client or client experience.
Public Google reviews
What clients tend to notice.
The public reviews tend to come back to clarity, preparation, responsiveness, and having planning, tax, and investment questions looked at together.
5.0 67 Google reviews
Read all Google reviews
★★★★★
“David has a unique ability to uncover blind spots and provide clarity on where to focus, which has completely changed the way I view my financial decisions.”
Derrick N.
★★★★★
“David takes the time to really understand your goals so he can provide the best advice. David is very thorough in his explanations of any options and answers any questions I have.”
Pearce G.
Testimonials are from current clients and reflect their individual experiences. These testimonials are not indicative of future results and should not be relied upon as a guarantee of any particular outcome. Some longer public reviews may be excerpted for space. Read the full public review profile on Google.
Related next steps
Keep going from here.
Common questions
Questions worth asking before you choose an advisor.
Should I sell RSUs as soon as they vest?
Many people should consider selling at vesting because RSUs are taxed as ordinary income when they vest and holding them afterward is similar to choosing to buy more company stock. But the right answer depends on your company exposure, tax picture, cash needs, and goals.
How do I decide whether to exercise stock options?
The decision depends on option type, strike price, expiration date, current value, AMT exposure, cash required, expected holding period, and how much of your net worth is already tied to the company. We model those trade-offs before action.
Can you help if I only want planning around my equity comp?
Yes. Keystone is a planning engagement first. If ongoing investment management makes sense later, that can be discussed after the planning is real, but the equity comp work does not have to begin as an asset transfer conversation.
What if I believe strongly in my company stock?
That belief matters, but it should be tested against the rest of your financial life. We help define how much concentration is intentional, how much is accidental, and what would need to be true to keep, sell, hedge, or diversify over time.
Make the next vesting date part of a plan.
Schedule a 15-minute Explore Call. We will talk through the equity decisions coming up, what feels unresolved, and whether Keystone is the right place to map the choices.