Specialist advice
Employee share scheme and RSU advice
If your employer pays you in shares, Channel Wealth can help you understand your employee share scheme, restricted stock units (RSUs) or options, how and when they are taxed in Australia, and how they fit your wider plan. Rory D’Agostino helps Sutherland Shire professionals decide when to hold, when to sell and how to avoid having too much of their wealth in one company.
Who it’s for
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Part of your pay comes as RSUs, options or shares
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A large share of your wealth is now in your employer’s stock
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You aren’t sure when the tax is due or how much
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You want a plan for vesting dates rather than deciding on the day
Equity is pay. Treat it like part of the plan.
For many professionals, shares from an employer have quietly become one of their largest assets. That can be a great outcome, and a real risk: your income and a big part of your wealth now depend on the same company.
What we help with
- Understanding your scheme. RSUs, options, share purchase plans and what each means for you.
- Tax timing. When tax is triggered, and planning cash flow for the bill.
- Concentration. How much of your wealth should sit in one company, and a plan to diversify over time.
- A vesting policy. Deciding in advance what you will do with each parcel as it vests.
- Putting it to work. Directing proceeds into your wider goals, such as the mortgage, super or a long-term portfolio.
Alongside your accountant
Share scheme tax can be complex. We work with your accountant, so the strategy and the tax treatment line up.
- Step 01
A conversation
We chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.
- Step 02
Your strategy
We gather the detail, model the options and agree the targets that will guide every decision.
- Step 03
Statement of Advice
Your recommendations in writing, with the costs, before anything is put in place.
- Step 04
Ongoing advice
Regular reviews as your income, family and goals change, so the plan keeps working.
My wife and I have been working with Rory for a number of years. We were making good money but felt we weren't getting ahead. He has been extremely helpful in helping us set up property investments, understanding our cash flow and putting our money to good use. We have seen a noticeable increase in assets and feel like we are making good progress longer term. Would highly recommend!
Related
Often part of the same plan
FAQs
Common questions
When are RSUs taxed in Australia?
Generally when they vest, at your marginal tax rate, based on their market value, with capital gains tax applying to any later growth. Schemes differ, so the details of your plan and your accountant’s advice matter.
Should I sell my shares when they vest?
It depends on your goals, tax position and how concentrated you are in one company. We help you set a policy in advance, so you are not deciding under pressure.
Do you advise on overseas employer schemes?
Many Australians hold shares in overseas-listed employers. We can include them in your plan, and work with your accountant on the tax treatment.
Let’s start with a conversation.
We’ll chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.