FAQ

If you have highly appreciated, low-basis shares and charitable giving is already part of your financial plan—yes, this can be a smart move. By donating shares directly to a charity...

Tax-loss harvesting means intentionally selling RSU lots that are worth less than their cost basis to realize a capital loss. That loss can then be applied against capital gains from...

That’s a concentration risk question. If you have too much, the sale strategy can be as simply as selling your concentration and moving on, or can be a gradual, tax-aware...

The most reliable path is tax-loss harvesting—selling loss lots first to build a capital loss bank, then using those losses to offset gains as you sell further into your position....

A sale stack is an ordered list of your RSU lots ranked from most to least tax-efficient to sell. It accounts for each lot’s holding period, cost basis, and current...

Yes. Capital losses from RSU shares can offset capital gains from any other investment—not just company stock. If your losses exceed your gains, up to $3,000 can offset ordinary income...

Generally yes—selling loss lots first generates zero tax and creates a capital loss bank you can use to offset gains from other lots. The accepted order is short-term losses first,...

It comes down to how long you’ve held the shares since the vest date. Shares sold within one year of vesting are taxed at ordinary income rates—as high as 37%....

Generally speaking, your cost basis is the fair market value of the shares on the day they vested—the same number reported as income on your W-2. That’s the price the...

Not on the appreciation. You pay ordinary income tax on the value of the units when shares vested. If we assume that is in the past, any additional tax only...

Keep a digital calendar or log. If you are audited, the burden of proof is on you to show exactly which days you were physically present in each state.

They look at your W-2s, which your employer is required to report based on where the work was performed. If you move mid-year, you’ll likely receive a W-2 showing income...