Join Alec Walker, EVP of Financial Planning at Crestmont Private Wealth, as he breaks down everything you need to know about Restricted Stock Units (RSUs). Learn the key differences between RSUs and stock options, understand the tax implications of vesting, and discover smart strategies for managing over-concentration risk. Whether you're receiving your first RSU grant or managing multiple vesting schedules, this episode provides actionable insights on tax planning, diversification strategies, and how to maximize the value of your equity compensation.

Key Topics Covered:

What are RSUs and how do they work?

RSUs vs. Stock Options: Understanding the difference

Tax implications: Ordinary income and capital gains

Strategic timing for selling vested shares

Diversification strategies to minimize risk

Tax planning techniques to avoid underpayment penalties

Timeline:

0:00 Introduction & Episode Overview

1:23 What Are Restricted Stock Units (RSUs)?

2:59 RSUs vs. Stock Options: Key Differences

3:46 Tax Implications: When Do Taxes Occur?

5:43 Capital Gains Tax on RSUs

6:54 Tax Planning Strategies & Withholding Analysis

9:15 Diversification & Risk Management

9:57 Why Sell RSUs Immediately Upon Vesting

12:04 Satellite Equity Strategies for Diversification

13:30 Closing & Contact Information

Contact Crestmont Private Wealth:

📧 [email protected]

🌐 [email protected]

📍 Houston & Burnet, Texas offices

Original Air Date: January 31, 2026 at 8:30am as heard on Boerne Radio 103.9FM

Contact:  www.crestmontpw.com 

Alec Walker in Houston:  831-280-5288 

Sam McGee in Boerne: 830-368-2898

See omnystudio.com/listener for privacy information.