Financial Planning

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.

For many employees at large technology companies, a significant portion of total compensation comes in the form of Restricted Stock Units (RSUs). While RSUs can become a meaningful wealth-building tool over time, they also create additional complexity around taxes, RSU withholding, concentrated stock risk, and long-term financial planning.