Tech Equity Assessment

You have RSUs vesting.
Do you have a plan for what happens next?

Most tech employees don't. The equity arrives, gets held by default, and concentration compounds quietly until a correction makes the decision for you.

  • ✓Your concentration ratio — vested and unvested — against peers at your company stage
  • ✓Your ISO AMT exposure window modeled against your vesting schedule
  • ✓What your ESPP spread actually nets after ordinary income tax treatment

Four questions. One number that tells you if you're ahead or behind.

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More long-term wealth for RSU holders with a post-vest diversification plan
Fidelity 2023
67%
Of users who completed our equity assessment had more than half their net worth in a single stock
NettWorth assessment data
78%
Of ISO holders who completed our assessment had not modeled their AMT exposure before starting
NettWorth assessment data
From the NettWorth Research Library
Concentrated Tech Equity
Concentrated Tech Equity
Why most tech employees underestimate their single-stock exposure — and the three triggers that force the conversation.
The RSU Disposition Decision
The RSU Disposition Decision
Sell immediately, hold, or diversify on a schedule? The framework for making this choice by design, not by default.
The Equity Compensation Decision Stack
The Equity Compensation Decision Stack
RSUs, ISOs, ESPP — each with different tax treatment, timing, and concentration implications. The ordered decision process.

RSUs across a border?

RSU sourcing allocation, 30% NRA withholding, and multi-jurisdiction equity tax — the H-1B and expat picture is a different problem.

When equity vests across a country move, US workday sourcing allocation determines your tax bill in two jurisdictions simultaneously. There's an assessment built for that.

Cross-Border Assessment →
Questions & Answers

Should I sell my RSUs immediately when they vest?

The standard financial planning guidance is yes — at vest, RSUs become ordinary income and you already have concentrated employer exposure through your salary. Keeping them requires a specific thesis: you believe the stock has significant upside AND you've modeled the concentration risk. Most tech employees don't keep RSUs by design — they keep them by default, which is not the same thing.

What is AMT risk on ISO exercise and how do I plan for it?

ISOs trigger Alternative Minimum Tax on the spread between exercise price and fair market value, even if you don't sell. For high-income tech employees, this creates a tax trap: exercise too many ISOs in a high-income year and you owe AMT immediately, even on gains you haven't realized. The optimal strategy is to model your AMT crossover point for the current tax year and exercise ISOs in tranches that stay within that threshold.

How much employer stock is too much concentration?

Most financial planners use 5–10% as the maximum single-stock allocation for a disciplined portfolio. Tech employees with unvested RSUs often have implicit concentration of 40–80% when counting unvested equity at current fair market value. The key insight: you're already 100% exposed to your employer's performance through your salary — adding equity concentration compounds that single-point-of-failure risk.