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The Executive's Guide to RSU Tax Optimization

5 strategies corporate professionals use to keep more of their equity compensation — and the costly mistakes that cost thousands.

  • Why your employer's 22% withholding likely isn't enough — and how to plan for the gap
  • Sell-to-cover vs. sell-all: the decision framework most executives never learn
  • How to donate appreciated RSU shares and save up to 40% more on taxes
  • Year-round RSU tax planning checklist (printable)
  • Real-world scenarios showing $50K-$80K in potential tax savings

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5 Strategies to Keep More of Your RSUs

1

Tax Bracket Management

Time your retirement contributions, charitable giving, and income deferrals around vesting dates to stay in a lower bracket.

2

Sell-to-Cover Decision Framework

A clear framework for deciding when to sell immediately vs. hold — including the one question that cuts through the noise.

3

Tax-Neutral Diversification

Why selling at vesting has zero additional tax consequence — the most misunderstood fact about RSUs.

4

Charitable Stock Donations

How donating appreciated shares instead of cash can save 40% more in taxes with the same charitable impact.

5

Full Plan Coordination

Connecting RSUs with retirement accounts, estate planning, and cash flow — where real savings multiply.

+

Printable Checklist

Quarter-by-quarter RSU tax planning checklist you can print and use year-round to stay ahead of deadlines.

Who This Guide Is For

Built for Executives With Equity Compensation

💼

C-Suite Executives managing large RSU grants alongside base salary, bonuses, and deferred compensation

💻

Tech Professionals with RSUs making up 30-60% of total compensation at public companies

📈

Senior Leaders with concentrated stock positions exceeding 15% of net worth

🏠

Florida Relocators moving from high-tax states who want to time RSU vestings with domicile changes

Why Davies Wealth Management?

We're a fee-only fiduciary — meaning we never earn commissions and are legally required to put your interests first. Our focus on equity compensation planning means we understand the specific challenges executives face.

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