Tag
us-residents
23 posts tagged us-residents
- US Investing·
Funding life goals with RSUs: house down payment, 529 college savings and goal-based selling
How US employees turn RSU vests into real-life goals — house down payments (and getting RSU income to count for a mortgage), 529 college savings with superfunding, and bucketing volatile shares against near-term goals.
- RSU Management·
The RSU tax-saving playbook for US employees: harvesting, donor-advised funds, NUA and the 83(b) myth
The legitimate tax-saving plays for US employees with RSUs: tax-loss harvesting around the wash-sale rule, donating appreciated shares via a donor-advised fund, NUA on 401(k) company stock, tax-gain harvesting, and why 83(b) doesn't apply to RSUs.
- RSU Management·
What to do with vested RSUs: the diversification playbook for US employees
Vested RSUs leave you over-concentrated in one stock that also signs your paycheck. The diversification playbook: sell-at-vest math, completion portfolios, direct indexing, exchange funds, and 10b5-1 plans.
- US Investing·
QSBS (Section 1202) after the 2025 tax-law changes: tiered exclusions and the new caps
How Section 1202 QSBS works after the 2025 OBBBA changes: tiered 50/75/100% exclusions, the new $15M cap, the $75M gross-assets ceiling, and the qualification tests.
- US Investing·
Pay down the mortgage or invest RSU proceeds? The real math
Should you pay extra principal or invest RSU proceeds? Compare the guaranteed after-tax mortgage return to the expected after-tax investment return — and the crossover.
- US Investing·
Tax-loss harvesting and the wash-sale rule: the complete playbook
Offset capital gains, take $3,000 of ordinary income, carry losses forward, and avoid the wash-sale traps that quietly disallow your harvest — for US investors.
- US Investing·
Turning RSUs into a retirement corpus: 401(k), backdoor and mega-backdoor Roth for US employees
Your RSUs are taxable cash flow. Here's how US employees route them into a retirement corpus — maxing the 401(k) at $24,500, the backdoor Roth, the mega-backdoor up to the $72,000 limit, and asset location.
- US Investing·
Asset location: which assets belong in Roth, pre-tax, and taxable accounts
Asset location places each asset class in the account type that taxes it most lightly — adding after-tax return at no extra risk for RSU holders.
- US Investing·
Building a completion portfolio around employer stock
If you choose to keep concentrated employer stock, a completion portfolio shapes the rest of your holdings to offset the sector and factor it already gives you.
- US Investing·
State tax optimization for US RSU holders: the 13.3% difference no one talks about
Complete guide to state tax planning for US RSU holders. California 13.3% vs Texas 0%. Vest year vs sale year sourcing. Multi-state RSU allocation, residency change planning, the trailing nexus problem, equity comp 'workdays' apportionment.
- US Investing·
Getting a mortgage with RSU income: how lenders count your vests
How US lenders count vested RSU income toward mortgage qualifying income — the 2-year history rule, DTI math, fund seasoning, and how to prep your file.
- US Investing·
Superfunding a 529: the complete guide to front-loading college savings with a big RSU vest
How US parents superfund a 529 with one big RSU vest using the 5-year gift-tax election — caps, state deductions, the 529-to-Roth rollover, and clean exits.
- US Investing·
Donor-advised funds for people with equity compensation
How US employees with appreciated RSU shares use a donor-advised fund to skip capital gains, deduct full market value, and bunch giving above the standard deduction.
- US Investing·
US residents with US RSUs: complete tax + strategy guide for 2026
Complete guide for US residents holding US RSUs in 2026. Vest taxation, sell-to-cover vs sell-all, holding period strategy, capital gains, ESPP qualifying vs disqualifying, AMT, NIIT, concentration risk frameworks.
- US Investing·
The SECURE 2.0 mandatory Roth catch-up rule for high earners in 2026
From 2026, high earners 50+ must make 401(k) catch-up contributions as Roth. Who's affected, how RSU wages trigger the rule, and how to plan.
- US Investing·
Direct indexing to unwind concentrated employer stock
Use a direct-indexing account to harvest losses, exclude your employer stock, and fund the diversification of a concentrated RSU position over several years.
- US Investing·
The backdoor Roth IRA and the pro-rata trap: how high earners fund a Roth without triggering tax
How US high earners fund a Roth IRA despite income limits — and the pre-tax IRA mistake that makes the conversion taxable, plus the 401(k)-rollover fix.
- RSU Management·
Rule 10b5-1 plans: how employees and insiders sell company stock on a pre-set schedule
How US employees and insiders use Rule 10b5-1 plans to diversify on autopilot, sell through blackout windows, and earn an affirmative defense against insider-trading claims.
- US Investing·
The mega-backdoor Roth: a complete guide for high earners
How high earners route after-tax 401(k) contributions into Roth up to the 2026 $72,000 limit, using RSU cash as the bridge to free up salary.
- RSU Management·
Exchange funds (swap funds) for a concentrated employer-stock position
How US employees use exchange funds (swap funds) to diversify a large, low-basis employer-stock position tax-deferred — the 7-year lock-up, fees, eligibility, and when an outright sale beats it.
- US Investing·
Net Unrealized Appreciation (NUA): the employer-stock 401(k) tax break
NUA lets you tax the gain on employer stock in a 401(k) at long-term capital gains rates instead of ordinary income — when the basis is low enough to matter.
- RSU Management·
How much employer stock is too much? A concentration-risk deep dive
How US employees size a company-stock position, why employer stock is uniquely risky, and a framework to set a concentration target you can defend.
- RSU Management·
The 83(b) election explained: RSAs, early exercise, and the 30-day bet
What the 83(b) election is, who can actually use it (not standard RSU holders), the 30-day IRS deadline, the worked math, and the bet you are making.