A large RSU vest or IPO/acquisition event can double your taxable estate in a single year.
Concentrated stock positions, sudden liquidity, and rapid estate growth create a narrow window for capital gains management, gifting strategy, and estate planning. Most executives wait too long.
What changes at the $2M–$30M level
Your action plan
Ordered by urgency. Items marked "Immediate" should be addressed within 60–90 days.
Add vested shares at current value to your gross estate and run the estate tax snapshot. If you've crossed a threshold, the planning conversation changes.
Do this in My Wealth Maps →Holding concentrated employer stock adds investment risk to estate risk. Exchange funds, charitable vehicles, and staged diversification each have different tax profiles.
Find a financial advisor →Gifting shares before further appreciation uses less lifetime exemption. Annual exclusion gifts of stock are most efficient early.
Do this in My Wealth Maps →Vested shares held in new or expanded accounts need explicit beneficiary designations or trust titling.
Do this in My Wealth Maps →Plans written before rapid wealth accumulation may have inadequate trust structures, outdated distribution provisions, or missing strategies.
Find an estate attorney →How prepared are you for rsu / liquidity event?
Answer 5 questions and get a personalized readiness score with specific gaps identified.
Get professional help
An estate attorney can execute the legal documents and trust strategies this event requires.
Browse attorneys →A fiduciary advisor can model the financial impact and coordinate strategy across your full picture.
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