Gemifi

Solution Detail

RSU Planning Solution

Help clients make informed restricted stock unit decisions with scenario-based diversification, tax-aware planning, and implementation-ready outputs.

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What this covers

  • Compare hold, sell, and staged-diversification paths across concentration and tax outcomes.
  • Surface withholding gaps, liquidity timing, and monthly cash-flow implications around vesting events.
  • Deliver recommendation outputs advisors can use with clients, CPAs, and implementation partners.

Advisor Scenarios

Minimal workflows that show what Gemifi can actually do.

These examples are intentionally compact. They are meant to help advisors understand the planning motion, the tax question, and the recommendation output Gemifi supports.

Scenario 1

Annual RSU vesting with chronic tax under-withholding

A highly compensated employee vests RSUs throughout the year, but company withholding consistently falls short of the actual marginal tax rate. The advisor needs to prevent April surprises while still addressing concentration risk.

  • Show how each vest affects taxable income, concentration, and projected shortfall.
  • Compare immediate sale, staged sale, and hold scenarios against estimated tax payments and cash flow.
  • Create a practical recommendation the client and CPA can use before the next vest hits.

Scenario 2

Double-trigger RSUs before an IPO or acquisition

A client has double-trigger RSUs at a late-stage private company. The core question is not just value, but when the tax event occurs, when shares become liquid, and how fast concentration could build after the trigger is met.

  • Map the timeline from trigger event to vesting, lockup, liquidity, and diversification decisions.
  • Quantify the concentration and tax planning issues that appear once private RSUs convert into liquid stock.
  • Give the advisor a client-ready action plan for the first 6 to 18 months after the event.

Ready to explore?

See how this works for your team.

We'll walk through your planning workflow and show how Gemifi fits your advisory practice.

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