Restricted Stock Units Planning Advisor in Oregon — Interactive Wealth Advisors

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Restricted Stock Units Planning Advisor

If you’re fortunate enough to get company stock, here’s what you need to know. Restricted stock options are a form of compensation that is granted to employees as an incentive to do their job well so that the company will grow and increase in value.

Interactive Wealth Advisors offers financial planning for small business owners in Oregon, as well as individual tax planning and retirement planning with a personalized approach to help you take control of your future.

How Can IWA Help?

Restricted stock units (RSUs) are a popular form of equity compensation. But they come with additional tax implications beyond the usual risk of losing money if the stock price falls. Unless you plan ahead, you might trigger large capital gains taxes and more tax obligations in the long run.

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Looking for a financial planner who can help you take control of your financial future? Look no further than Interactive Wealth Advisors! Our experienced financial planners and wealth advisors in Oregon are ready to lay out the core issues in financial planning, from RSU stock tax withholding to tax planning to prevent mistakes.

We provide solid advice on the best times to sell stock units and estimate tax payments to help you navigate issues relating to current share prices and future fluctuations.

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RSUs are a great way for companies to incentivize employees and reward them for their hard work and dedication. But, without planning, you could end up paying a hefty sum in taxes when the shares are delivered.

Here are the best practices for Restricted Stock Units tax planning

Best Practices for RSU Tax Planning

Check your vesting date
Your vesting date is the date when you can fully claim your shares. You can find the vesting schedule on the employment compensation agreement. One of the biggest RSU benefits is that you’re compensated in equity. On the downside, the compensation is not tangible until vesting.
Keep track of the company’s stock price
You can sign up for the company’s stock price alerts online to make sure you’re notified when shares hit a certain price.
Assess your tax obligations
Depending on your situation, receiving RSUs may have different implications for your taxes. When you receive RSUs, the company will likely withhold some money for local, state, or federal tax, and medicare.
Contact a financial advisor
A financial advisor can help you navigate, identify, and resolve any challenges in RSU planning. At Interactive Wealth Advisors, we take care of all the research and planning to create a customized RSU plan that maximizes your benefits and meets your specific needs.

How We Do It

Acquaint You With the Financial Terms
Before you take any action to receive RSUs, we make sure you understand how they work, what the taxes are, and how the company’s stock value fluctuates. If you’re receiving an RSU, you will have to pay taxes on the RSUs at vesting. While there is no way to avoid paying taxes, you can make sure you are paying the right taxes and enjoying maximum tax benefits.
Estimate Your Tax Liability
The tax planning process starts with calculating your tax liability at vesting. When the shares are vested, the employee receives the fair market value. Taxes are unavoidable; we can help you understand what implications they have on your financial health.
Evaluate the Tax Rates
When RSUs are vested, they are taxed at the fair market value on the date of vesting. The value of the RSUs will be taxable as ordinary income. RSUs may be considered supplemental income and taxed at the flat IRS rate.
Financial Advice
Have more questions about RSUs, RSU dividends, and taxes after consulting with your employer and doing additional research online or in other sources like annual reports and presentations made at investor conferences? Interactive Wealth Advisors will provide all the answers you need.

Who is it For?

RSU tax planning is for employees who receive RSUs as a form of compensation for staying with the company for a specified period of time. Employees who have RSUs will have a variety of factors to consider before the vesting period comes. These factors could include current financial needs, significant life events, or other circumstances. Employees who receive RSUs will also have the option of selling the stock if it is unvested.

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Our financial advisors are well trained in broad finance disciplines and have extensive knowledge to make sound decisions about your investments, taxes, and retirement planning. We are happy to listen to your questions and concerns, to help you make informed decisions about your financial future.

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Interactive Wealth Advisors is second to none when it comes to trust. We take the time to understand your needs and bake customized strategies based on your needs. Our financial advisors will act in your best interests to help you make the most out of your financial opportunities.

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Frequently Asked Questions

What is RSU Planning?

RSU planning is the creation of tax strategies to reduce your taxable income and risk management strategies to balance out your overall portfolio. Restricted stock units are an attractive incentive because they don’t count as a cash expense for the company. Plus, they can be a substantial benefit to the employee if the price of the company’s shares increases after they are issued. RSUs come with strings attached to them in that selling restricted stocks is not possible right away. You have to wait a year-long vesting period at minimum to be able to claim them. A financial advisor can help you determine the next steps to take when the time comes.

Why should you do RSU tax planning?

RSU tax planning can help you minimize the tax burden when you sell your RSU shares. The other benefit of doing RSU tax planning is that it can help you plan ahead for when the restricted stock vesting period arrives. When you receive RSU options as compensation, it’s important to oversee the fair market value and estimate how much taxes you’re supposed to pay to the local, state, and federal authorities. Interactive Wealth Advisors can help you navigate the complex financial world and stay ahead of your tax obligations.

Is it worth hiring a financial advisor for Restricted Stock Units’ financial planning?

A financial advisor can help you make smart decisions about what to do with those shares and determine how much they contribute to your investment portfolio. You might find it useful to consider the tax implications of selling some or all of your RSUs. You may want to sell some, but keep the rest for an extended period of time. You may even want to sell all of your RSUs and settle your taxes immediately. Whatever you need, a financial advisor with tons of experience in investment management in Oregon can help you make these decisions.

How can Interactive Wealth Advisors help?

By now, it’s clear that your financial situation will change over time. Interactive Wealth Advisors can help you address specific money matters that affect you, understand all the tax implications, and advise you on how best to manage your restricted stock units. Schedule a call with our financial advisors.

How much does it cost?

Our services are calculated based on your unique financial needs and assets. Get your free, no-obligation quote when you contact us today.
Interactive Wealth Advisors is a Registered Investment Advisory firm in the State of Oregon and Washington. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.
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