What Clients Ask:
- Should I sell RSUs when they vest?
- What are the tax traps I’m missing?
- How do RSUs fit into my bigger plan?
- Can we use this for school fees or our Freedom Number?
- What happens if I change job?
RSUs are a wealth-building tool if managed wisely.
RSUs (Restricted Stock Units) are increasingly common for senior execs, particularly in tech and global firms. But most clients we meet either hoard their shares out of fear or sell them impulsively-with no overarching strategy.
Take Dave, a high-flyer in a multinational. Over 50% of his comp was in RSUs. But he had no plan-so no confidence. We helped him:
- Design a sell strategy tied to life goals
- Create a system for tax-efficient investing
- Protect his RSU income via insurance in case of sickness
Now his RSUs work harder and align with what matters most.
How to Manage RSUs Smarter:
- Map Your Vesting Schedule – Know what you’re due, and when.
- Budget for Tax – Remember: tax hits on vesting, not selling.
- Sell with Purpose – Don’t let shares pile up. Cash out and redirect to ISAs, pensions, or mortgage overpayments.
- Diversify Away From Employer Risk – Don’t bet your future on one company.
- Align RSUs to Your Freedom Plan – Use gains to hit key milestones.
With smart RSU planning, Dave doubled his projected retirement wealth-and finally booked the family holiday he’d been putting off.
👉 Need to simplify your RSUs? Book a Clarity Call or take our Live Well Scorecard.
About Ian & Work to Live Financial Planning
At Work to Live Financial Planning, we specialise in helping high-earning UK professionals in their 40s and 50s align their money with their life. Whether you're a senior executive, business owner, or navigating a big life change, we help you find clarity, control and confidence-without spreadsheets, jargon or overwhelm. Through our signature 3-step AlignedLife Plan, you’ll know your Freedom Number, optimise your wealth, and design a life that’s lived well now, without screwing up the future. Learn More
