Financial Planning for Young Professionals With Equity Compensation
Your salary is growing and your stock grants are getting bigger. Let's make sure you keep more of it and know exactly what it's for.
Schedule a Discovery Meeting
Sound familiar?
You landed the job, the promotion, or your first stock grant. Then the questions started.
Your RSUs vested and your tax bill surprised you. Employers often withhold federal tax on vested shares at a flat 22%, which may be less than you actually owe.
You're new to equity and its taxes. RSUs, options, and ESPP each follow different rules, and your benefits portal doesn't explain them.
Your spending crept up with your salary. You earn more than ever but aren't sure where it all goes.
Your cash is just sitting there. You know it should be working harder but don't know where to start.
You're holding your company stock because you believe in it. That may be the right call, or it may be more risk than you realize.
You want to buy a home and can't tell how your stock fits into the down payment.
How we help
Understand your equity. We read your grant documents with you and map your vesting calendar, so you know what you own, when it vests, and how each type is taxed.
Plan your taxes before they're due. We estimate what you'll owe on upcoming vests and sales, and help you set aside enough or adjust withholding so April isn't a surprise.
Decide what to hold and what to sell. We build a sell-or-hold plan based on your goals and risk, not a feeling about your company.
Build a spending plan that grows with you. We help you set up a system for spending, saving, and investing, so raises and vests go toward goals instead of disappearing.
Plan your first home. We help you decide how much house fits your budget and whether stock sales, savings, or both should fund the down payment.
How working together works
You work with Longitude through an ongoing financial planning subscription. That means you get a planner who knows your situation, checks in before major vests and tax deadlines, and updates your plan as your career changes. Investment management is available if you want it, but it isn't required.
Questions we hear
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You probably can. The question is whether you have the time to track every vest, tax rule, and deadline, and whether you'll catch the costly mistakes. We handle the details so you don't have to become an equity compensation expert.
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Longitude is a fee-only fiduciary. We're paid only by our clients, never by product companies, and we never earn sales commissions. We're required to act in your best interest.
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If you're receiving stock compensation, you already have decisions with real tax consequences. Planning early is often when good habits and informed choices matter most.
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You can start small. Your first meeting can focus on one thing, like your next vest or this year's tax estimate.
Your next vest is coming. Let's plan for it.
Tell us about your job, your stock, and what you want your money to do. We'll show you where to start.