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Equity Compensation Planning

What Is Your
Equity Actually
Worth?

Most tech professionals leave tens of thousands in taxes on the table — exercising options, letting RSUs vest, and participating in ESPPs without a coordinated strategy.

Model your real after-tax outcome. Then talk to a CFP® who specializes in it.

Run My Numbers ↓ Get a Personalized Plan
37%
Top federal rate on ordinary income
20%
Long-term capital gains at high income
$0
Cost to build your personalized model
  • ◈
    ISOs — Incentive Stock Options Model the bargain element, qualifying vs. disqualifying dispositions, and tax savings from the right holding strategy.
  • ◇
    RSUs — Restricted Stock Units Calculate ordinary income at vest, net shares retained, and your withholding gap before filing season.
  • ◉
    ESPP — Employee Stock Purchase Plan Model the discount benefit, qualifying vs. disqualifying dispositions, and after-tax return.
  • ▷
    4-Year Vesting Projection See gross and net across all grant types over your full vesting schedule in one view.
  • ⊕
    Magellan Method Integration Your equity is one leg of your financial Map — not an isolated event.
Interactive Tool

Model Your Equity Compensation

Select your equity type, enter your numbers, and see your real after-tax outcome. These are estimates — a personalized plan accounts for your full tax picture.

Grant Details
$
$
Tax Profile
%
Qualifying: hold 2yr from grant date + 1yr from exercise date to receive long-term capital gains rates.
Estimated Net Proceeds
—
After all estimated taxes
Gross value
—
Bargain element
—
Est. total tax
—
Effective rate on gain
—
Tax Breakdown
Federal income / LTCG
—
State income
—
NIIT 3.8%
—
Enter your grant details to see a personalized tax insight.
Grant Details
$
Tax Profile
%
Most employers withhold at 22% flat on supplemental income — often too low for high earners, creating a surprise tax bill at filing.
%
Estimated Net After Tax
—
After all estimated taxes
Gross vest value
—
Est. shares withheld
—
Gap owed at filing
—
Net shares kept
—
Tax Breakdown
Federal income
—
State income
—
FICA Medicare 1.45%
—
Enter your grant details to see a personalized tax insight.
Plan Details
$
$
%
Holding & Tax
%
Estimated Net After Tax
—
After all estimated taxes
Actual purchase price
—
Gross sale proceeds
—
Ordinary income
—
Capital gain / loss
—
Tax Breakdown
Ordinary income tax
—
Capital gains tax
—
Enter your plan details to see a personalized tax insight.
RSU Grant
$
ISO Grant
$
ESPP & Growth
$
%
Tax Profile
%
4-Year Vesting Projection
YearRSUsISOsESPPGrossNet
Enter grant details to build your projection
4-yr gross total
—
4-yr net after tax
—
Enter your grant details to see your 4-year vesting projection.
The Hidden Cost of Going It Alone

5 Costly Mistakes
Tech Employees Make

A calculator shows you the number. A plan tells you what to do with it. Here is where equity compensation most often goes wrong — and what to do about it.

01
Underestimating the tax bill
Company RSU withholding is capped at 22% regardless of your actual bracket. At 35%+, you are building a surprise liability every single vest date.
02
Holding too much company stock
Your income, options, and 401(k) match are all tied to the same company. Concentration risk compounds invisibly until it doesn't.
03
Missing the ISO holding window
Exercise ISOs without the qualifying period and you lose the long-term capital gains rate — often worth $20,000–$80,000 on a typical tech grant.
04
ESPP: sell-immediately vs. hold
The 15% ESPP discount feels automatic. But your holding strategy determines whether the gain is ordinary income or capital gains — a 15%+ swing in your effective rate.
05
Treating equity as one-time events
Options, RSUs, and ESPP interact with your income, AMT, and charitable strategy. Without a coordinated annual plan, you are optimizing each piece in isolation.
The Presidio Difference

Your Equity Inside
The Magellan Method

Equity compensation is not a spreadsheet problem — it is a planning problem. The Magellan Method maps every piece of your financial life, including your equity, into one coordinated route toward your goals.

1
Anchor Point
We establish where you are today — grant details, vesting schedule, tax baseline, full financial picture.
2
Destination
Life-first goal setting — what does this equity make possible? Early retirement? A home? Time back with your family?
3
Map
How your equity integrates with income, taxes, estate, and investment strategy — nothing in isolation.
You are here →
4
Obstacles
Tax exposure, concentration risk, AMT, withholding gaps — identified and quantified before they cost you.
5
Your Route
Exercise strategy, diversification plan, tax projection, and beneficiary coordination — your personalized plan.
6
Set Sail
A living action plan with dates, decisions, and accountability — reviewed at every Waypoint throughout the year.
Why Presidio Capital Management

Built Differently.
For You.

⚖️
True Fiduciary
Fee-only, independent RIA. No commissions. No product sales. Our only incentive is your outcome.
🎓
CFP® Credentialed
Highly credentialed advisors who specialize in the intersection of equity compensation, tax strategy, and comprehensive planning.
🧭
The Magellan Method
Our proprietary 6-step planning process connects your equity plan to every dimension of your financial life.
🔁
Seasonal Waypoints
Quarterly structured reviews aligned to tax deadlines, vest dates, and open enrollment windows — not just once a year.
🏦
Schwab Custody
Your assets remain in your name at Charles Schwab. Full transparency, full control, always.
🌊
Life-First Philosophy
"Money's Not Real, Life First." Your equity serves your life — not the other way around.
Free · No Obligation
Get Your
Personalized Equity Plan

This calculator gives you an estimate. A Presidio CFP® gives you a plan — built around your grants, your full tax picture, and your life goals.

  • ✓
    Complete equity comp analysis across all your grant types
  • ✓
    Tax projection and AMT exposure review
  • ✓
    Exercise timing and diversification strategy
  • ✓
    Integration with your full financial Map
  • ✓
    No cost. No commitment. No pitch.
Start Here

Tell us a little about your situation. A CFP® will reach out within one business day.

Presidio Capital Management is a fee-only, fiduciary RIA. We never sell your information and will never spam you.