Company Stock

If you've worked with a financial advisor for any length of time, you've probably brought something up that you read about or heard about; be it a trend, an asset, or a strategy that caught your attention.

What happens next tells you a lot about the relationship.

In Jurassic Park, the scientists didn’t fail because they lacked intelligence.

They solved every problem in front of them. The system worked exactly as designed.

And then the problem showed up all at once.

RSUs aren't a bonus. Everyone treats them like one, and that's where the trouble starts.

For many employees at large technology companies, Restricted Stock Units (RSUs) can accumulate into a significant portion of their net worth over time.

Years of vesting schedules, refresh grants, and strong stock performance can gradually turn employer equity into one of the largest assets in an investor’s portfolio.

The question comes up at almost every vesting event. Stock lands in the account, a decision appears, and most people either sell reflexively or hold indefinitely without ever really choosing.

Neither is a strategy.

For Google and tech employees, the sell-or-hold decision is one of the most repeated financial choices you'll make,  sometimes monthly.