RPM Financial Group helps cybersecurity and GovCon professionals in Maryland, Washington DC, and Northern Virginia make sense of RSUs, ESPPs, and other equity compensation: how it's taxed, when to hold or sell, and how to keep a vesting schedule from quietly taking over your financial plan.
Understanding what you actually owe when RSUs vest, and whether your employer's withholding covers it.
Deciding whether to participate, how much to contribute, and when to sell shares you've purchased at a discount.
Figuring out how much company stock is too much, and building a plan to diversify without a surprise tax bill.
Planning bonuses and vesting events together so a big year doesn't disappear into taxes and no plan.
Understanding what happens to unvested shares if you leave, are laid off, or your company is acquired.
Making sure RSUs and ESPP shares fit your retirement savings, cash reserve, and estate plan, not sitting off to the side.
A free, no-obligation conversation to confirm we're a good fit.
A focused session gathering your equity grants, vesting schedule, and goals.
Built in our planning software, then walked through together.
Revisited as new grants vest and your compensation changes.
Will I owe more tax than my employer withholds on RSUs?
Often, yes. Employer withholding on equity is frequently a flat rate that doesn't match your actual bracket. We help you plan for the gap before it becomes a surprise.
When should I sell ESPP shares?
It depends on your discount, holding period, and how much company stock you already hold. We walk through the tradeoffs for your specific plan.
How much company stock is too much?
A common guideline is keeping any single stock under roughly 10-15% of your investable assets, but the right number depends on your full financial picture.
What happens to unvested RSUs if I'm laid off?
This varies by employer and grant agreement. We help you understand your specific situation and plan around it. See our recompete and layoff planning page for the broader transition plan.
Founder & Financial Planner, RPM Financial Group LLC. Ryan founded RPM in 2022 after more than 25 years in financial services, to bring dedicated, individualized planning to government contractors, cybersecurity professionals, and federal employees.
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If your equity compensation has outgrown your current plan, start with a free intro call.
Book a Free CallRPM Financial Group LLC is an investment adviser. Securities offered through LPL Financial, Member FINRA/SIPC.