Episode 79: RSUs and Equity Compensation for Financial Success with Landon Loveall

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Host: Christopher Nelson

Guest: Landon Lovell

In this episode of Managing Tech Millions, Landon Lovell, a certified financial planner at KB Financial Advisors, breaks down the complexities of Restricted Stock Units (RSUs) and how tech employees can navigate their equity compensation packages effectively.

Landon specializes in helping tech professionals understand RSUs, especially as they become a prominent form of equity compensation in today's competitive job market.

Connect with Landon Lovell:

https://kbfinancialadvisors.com/

https://www.linkedin.com/in/landonloveall/

In this episode, we talk about:

• Understanding RSUs: Landon explains what Restricted Stock Units are and why they are increasingly used in tech compensation packages. He emphasizes the importance of understanding their structure and tax implications to maximize their potential.
• Vesting Schedules and Tax Implications: We discuss the significance of vesting schedules and how the timing of tax obligations can impact your financial strategy. Landon highlights the need for planning around these milestones, especially during critical events like IPOs.
• Negotiating Your Equity Package: Landon shares insights on how to negotiate equity compensation effectively, ensuring that tech employees recognize the total value of their packages beyond just salary.
• Education as Empowerment: The episode underscores the necessity for tech employees to educate themselves about their equity compensation, equipping them to make informed financial decisions that can significantly affect their future.
• Trends in Equity Compensation: We explore emerging trends, including new approaches to vesting and the choice between cash and RSUs. Landon offers advice on how to adapt to these changes and leverage them for financial gain.

Episode Timeline:

• [00:01:15] Introduction to RSUs and their importance.
• [00:04:30] The historical context of RSUs in tech compensation.
• [00:10:45] Understanding vesting schedules and tax implications.
• [00:15:20] Tips for negotiating equity packages.
• [00:20:00] The role of education in managing equity compensation.
• [00:25:10] Current trends in equity compensation practices.
• [00:30:00] Key takeaways for tech professionals.

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