A $43,000 surprise tax bill turned into a triple win & here’s exactly how we did it…

When an unexpected bonus creates a massive tax problem, most high earners simply write the check and move on. But what if that problem could become an opportunity?

In this case study, we walk through a real pattern I see regularly: a high earner with RSUs and ESPP shares facing significant underpayment penalties, underwater company stock sitting idle, and years of charitable giving with no real strategy behind it.

By coordinating three moves—tax loss harvesting, a Donor Advised Fund contribution, and strategic portfolio rebalancing—we eliminated penalties, cut the tax bill by over $20,000, diversified concentrated holdings, and built a multi-year charitable giving plan.

This isn’t about one clever trick. It’s about seeing how the pieces connect and acting before year-end when the strategies still work.

If you have stock compensation and you’ve had a higher income year than expected, this is the kind of planning that changes everything.

Schedule a free Vision Call with our team → https://www.perspective6wealthadvisors.com/matt/

Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products, or services mentioned here are independent of Savvy Advisors, Inc.

#StockCompensation #TaxPlanning #RSUs #FinancialPlanning #RetirementPlanning

Wondering if you’re handling your stock compensation taxes correctly? Let’s build a strategy tailored to your equity → https://www.perspective6wealthadvisors.com/matt/

Stock Compensation Tax Form Checklist → https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/

ESPP: A Comprehensive Guide → https://perspective6wealthadvisors.com/espp-guide/

If you received RSUs, stock options, or ESPP shares in 2025, tax season just got complicated.

Most high earners with equity compensation make one critical mistake: they end up paying taxes twice on the same income because they don’t understand basis adjustments.

In this video, we break down:

• Your tax filing timeline for 2026—when documents arrive and what deadlines matter
• The exact forms you need from your employer and brokerage (W-2, 1099-B, Forms 3921 and 3922)
• How to avoid the most expensive mistake—missing the basis adjustment that costs thousands
• Why ESPP tax reporting is more nuanced than most people realize
• The withholding problem that catches high earners off guard every year
• What you should do right now to avoid overpaying the IRS

Whether you’re with Fidelity, Morgan Stanley, Schwab, or E*TRADE, understanding how your brokerage reports stock sales can save you from costly errors.

If a significant portion of your compensation comes from equity, the standard 22% supplemental withholding rate probably isn’t enough to cover what you’ll actually owe. We’ll show you how to calculate whether you need quarterly estimated payments.

Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products, or services mentioned here are independent of Savvy Advisors, Inc.

Want a tax-efficient plan for your 2026 stock compensation? Let’s build a strategy together → https://www.perspective6wealthadvisors.com/start-here/

If you’re receiving RSUs, stock options, or performance shares in 2026, waiting until tax season to figure out your strategy could cost you tens of thousands in unnecessary taxes.

Most high earners earning $250k+ make the same mistake: they react to stock compensation instead of planning for it.

By the time the first vesting hits, the income is already recognized, the withholding falls short, and the diversification window closes.

In this video, we’ll walk through a four-step framework to help you take control of your equity compensation before it hits your paycheck.

You’ll learn how to:

• Project what’s actually vesting in 2026 and model conservative income estimates
• Fix the withholding gap that catches most high earners off guard
• Divide proceeds into three strategic buckets: taxes, lifestyle, and long-term wealth
• Time your equity decisions around other income events and tax opportunities

Whether you’re holding ISOs, waiting on performance shares, or managing quarterly RSU vests, this episode will show you how to turn stock compensation into controlled, tax-efficient wealth building.

If you’re a high earner navigating complex equity compensation and want a personalized plan for 2026, schedule a Vision Call with Perspective 6 Wealth Advisors.

Timestamps:

0:32 – Project What’s Actually Coming

1:48 – Fix the Withholding Problem

3:24 – Divide Into Three Buckets

4:45 – Timing Strategy Matters

Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products, or services mentioned here are independent of Savvy Advisors, Inc.