Your RSUs vested. Now what? Turn equity into real wealth, not an unexpected tax bill.

Your company gave you stock, not a playbook on how RSUs are taxed, why 22% withholding falls short, or whether to sell at vest or hold. Ed is an agentic AI financial coach that reads your whole financial picture. Bring a grant doc, a vest date, or a direct question to get a clear, private second opinion on your sell-or-hold trade-offs, tax gap math, and key moves.

Calculate Your RSU Strategy with Ed

Managing six-figure equity shouldn't feel this chaotic. It's structural.

RSUs arrive with default tax rates built for lower brackets, unmeasured single-stock exposure, and zero tailored guidance from HR. None of this is your fault—and all of it can be calculated.

Why 22% withholding triggers tax surprises

Vests are withheld at a flat 22% rate. If your tax bracket is 32% or higher, you'll owe thousands in unpaid tax come April.

How much net worth is tied to one ticker

Salary, RSUs, and ESPP: your income and net worth are tied to a single stock. Everyone knows the risk, but few calculate their exact exposure.

Should you sell RSUs at vest or hold?

Company advisors can't offer personalized tax advice, leaving you to navigate complex trade-offs alone or rely on random forum opinions.

Your RSU tax gap, calculated in real dollars.

Here is the tax gap on a single vest: the math you need before your vest date—not next April when the bill arrives.

THE VEST

1,000 shares × $150

$150,000

Taxed as ordinary income on vest date

THE APRIL MATH

Withheld at flat 22% federal rate

$33,000

Actual tax owed at 35% bracket

$52,500

The unexpected tax bill

$19,500

$33,000$33,000 withheld

$19,500$19,500 tax gap

Get a clear second opinion.

A $19,500 tax bill deserves an objective second opinion: one that understands your total financial life, acts before your vest date, and sells zero financial products.

Talk to Ed now

Bring your docs & questions

Upload grant agreements, vest statements, screenshots, or simply ask a direct question.

Ed analyzes your actual life

Accounts, tax brackets, and goals connected read-only. Context your equity portal doesn't have and HR isn't allowed to discuss.

Get a customized roadmap

Get clear grant terms, identified tax gaps, and tailored sell-or-hold trade-offs. For your next vest, Ed is already prepped.

Clear answers first. Confident execution follows.

Set your vest-day strategy, manage tax withholding before it bites, and establish concentration guardrails. Pick your target, and Ed stages actionable steps, tracks every vest, and updates your Financial Fitness Score based on your live holdings.

You take action. Ed plans, tracks, and remembers. Not more decisions—better decisions compounding over time.

Total financial clarity. Zero tax surprises.

Your money finally organized. Your life finally unhurried.

Try Ed Free

FAQ

What is Ed?

Ed is an agentic AI financial coach from EdWealth: a money person of your own. Ed reads your whole financial life (accounts connected read-only, documents, or plain questions) and gives you straight, private answers: on RSUs, taxes, investing, and every money decision in between. Ed is available on the App Store and Google Play.

What is the RSU tax gap?

When RSUs vest, federal tax is withheld at a flat 22% supplemental rate. However, high tech incomes often fall into 32%+ brackets. The difference between what was withheld and what you actually owe is the "tax gap," which leads to big tax bills in April. Ed helps you spot and budget for this gap before vest date.

Should I sell my RSUs when they vest?

There's no universal answer. The honest framework balances single-stock concentration risk against your conviction and tax impact. Ed lays out what each path means for your specific portfolio—the choice remains yours.

Why not just ask ChatGPT or my CPA?

Both are useful, and neither sees the decision whole. Generic AI answers without your bracket, your holdings, or your goals; your CPA sees the vest in April's filing, after the planning windows have closed; forums have strong opinions and zero knowledge of your situation. A useful second opinion needs your whole picture, before the date. That's the job Ed was built for.

How much of my net worth should be in one stock?

There's no magic number: it depends on your cushion, your goals, and how much of your income already depends on the same company. Ed helps you set a personal guardrail and, if you choose, a staged plan to reach it.

Will Ed invest, rebalance, or file my taxes for me?

No. Ed isn't a robo-platform and isn't tax software: Ed won't auto-invest, allocate, rebalance, or file. Ed's job is the thinking layer: reading your whole picture, sizing the trade-offs, and preparing you to act wherever your accounts live. April still belongs to your CPA; with Ed, nothing about it should be a surprise.

How does Ed make money?

From you, and only you: $299.99 a year or $39.99 a month. No commissions, no ads, no product kickbacks, and no trading revenue. Ed does well only when you make better decisions, not more decisions.

Does Ed give tax or investment advice?

No. Ed provides financial information and education only: decoding documents, mapping trade-offs, offering a second opinion. Not investment, tax, or legal advice; consult a licensed professional before acting.

How are RSUs taxed at vest and at sale?

RSUs face two tax events: 1) At Vest: The market value of shares on vest date is taxed as ordinary income (reported on your W-2). 2) At Sale: Selling shares incurs capital gains tax on any gain above the vest-date value (your cost basis). Selling within 12 months triggers short-term capital gains (taxed at ordinary rates); holding over 12 months qualifies for lower long-term capital gains rates.