Restricted Stock Units

Restricted Stock Units (RSUs) can be a significant part of compensation, particularly for employees in the technology industry, but they also come with important tax and investment considerations. In this episode of The Wiser Financial Advisor Show, Josh Nelson and Jen Walenter discuss how RSUs work, what happens when they vest, how they are taxed, and some of the decisions employees face when their company stock becomes available.

Josh and Jen also discuss the risks of allowing company stock to become too large a portion of your portfolio, the emotional connection employees can have to their company stock, and how RSUs can fit into larger goals such as retirement, college funding, diversification, and financial independence. Having a plan in place before RSUs vest can help you make thoughtful decisions rather than trying to figure out what to do each time shares become available.

If you receive RSUs through your employer and aren't sure what to do with them, this episode offers practical considerations to help you think through your options. Listen in, and if you have questions about how RSUs fit into your overall financial plan, contact Keystone Financial Services to learn more.

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Podcast Editor: Tim Leaman/info.primegen@gmail.com