How an Executive Used RSUs and Company Stock Planning to Retire 5 Years Early

The Challenge

Sarah, a C-suite executive in a Fortune 500 company, had accumulated substantial Restricted Stock Units (RSUs) and company stock over her career. With her sights set on early retirement, she was concerned about tax implications, market volatility, and whether her assets could sustain her lifestyle for decades.

Our Approach

Artisan Financial Strategies collaborated with Sarah to:

• Optimize Timing: Developed a structured plan for diversifying her company stock to mitigate concentrated risk while minimizing tax liabilities.

• Tax-Efficient Withdrawals: Coordinated with her CPA to implement strategies that leveraged long-term capital gains rates.

• Lifestyle Projection: Created a comprehensive financial plan that integrated her RSUs with retirement savings and future income needs.

• Transition Planning: Identified philanthropic opportunities to align with Sarah’s desire to give back while maximizing her financial legacy.

The Outcome

Sarah transitioned into early retirement at 55, confident that her diversified portfolio could support her lifestyle. She established a donor-advised fund, enabling her to make meaningful contributions to causes she cared about while enjoying tax advantages. Today, Sarah spends her time traveling and mentoring young women leaders.