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✛ Your highest-stakes money decisions

When your equity finally becomes wealth

A liquidity event turns years of work into real, spendable wealth, and starts a clock. Greenridge helps you plan the three things that trip people up: the tax gap on vesting shares, over-concentration in one stock, and the deadlines built into lock-ups and elections.

Talk to a fiduciary →Wealth management overview

A liquidity event, an IPO, a tender offer, a company sale, or ongoing RSU vesting, creates three problems at once: a tax bill that can be larger than your withholding, too much of your net worth in one stock, and deadlines you cannot miss. Greenridge Wealth is a fee-based Rio Grande Valley fiduciary that helps you plan all three.

The three traps

Most equity mistakes are not exotic. They are the same three, every time.

  • The tax gap. Employers often withhold on vesting RSUs at a flat supplemental rate that can be below your actual bracket, leaving a balance you may owe later.
  • Concentration. When one stock becomes most of your net worth, its risk becomes your plan's risk, whether you meant it to or not.
  • Timing. Lock-ups, blackout windows, tender deadlines, and elections all run on clocks that do not wait for you.

The toolkit

There is no single move, there is a sequence, coordinated with your CPA and attorney.

  • 10b5-1 plans to sell on a pre-set, rules-based schedule
  • Tax-aware diversification out of a concentrated position
  • Exchange funds and charitable vehicles where they fit
  • QSBS analysis with your CPA for qualifying founder stock
  • Donor-advised funds and charitable remainder trusts for the philanthropically inclined

How we work with your CPA and attorney

We are the coordinator, not a replacement for your tax or legal advisers. We build the plan, model the trade-offs, and keep everyone rowing in the same direction.

Common questions

How are RSUs taxed when my company goes public?
When RSUs vest they are generally taxed as ordinary income based on the share price at vesting. Employers often withhold at a flat supplemental rate that may be lower than your actual bracket, which can leave a gap you owe later. Confirm your specifics with your tax professional.
What is the RSU withholding gap?
It is the difference between what your employer withholds on vesting shares and what you actually owe at your real tax rate. If your bracket is above the flat supplemental withholding rate, you may owe more at filing. Plan for it rather than be surprised by it.
How much of my company stock should I hold?
There is no universal number; it depends on your total net worth, your other assets, and your goals. The useful question is how much single-stock risk you can afford to carry, and most people find the answer is less than they hold. This is educational, not personalized advice.
What is a 10b5-1 plan and do I need one?
A 10b5-1 plan is a pre-arranged, rules-based schedule for selling company stock that can help insiders sell in an orderly, compliant way. Whether it fits depends on your role and your situation; we can help you evaluate it with your counsel.
Can I diversify without a big tax bill?
Sometimes the tax is unavoidable, but the timing, the lots you sell, and vehicles like exchange funds or charitable trusts can change the bill meaningfully. We model the options with your CPA before you act.

Keep reading

SpaceX & Starbase equity planning →How RSUs are taxed at IPO →The RSU withholding gap →Tax strategy →

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