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Case study · Tax and RSUs
A Head of Sales who saved $90K of tax a year in 3 meetings.
A global tech company in Sydney. Big RSU vests, a $1.5M mortgage and every dollar taxed at the top rate.
Names and details changed for privacy. General information only.
3
Meetings to put the plan in place
$90K+
Tax saved every year
$1.5M
Mortgage made to work harder
$16K/mth
Retirement income forecast
Their road map
From where they were, to where they wanted to be.
Case study · Tax and RSUs
The Head of Sales and family
Kids in school. A great income, but the tax bill grew with every vest.
Step 1 · Now
Where they started
| Income | Base, bonus and RSUs |
| Tax rate | Top rate on every vest |
| Mortgage | $1.5M |
| Mortgage interest | Not tax deductible |
| RSUs | No sell down plan |
| Cash flow | Lifestyle and strategy mixed |
| Retirement date | Unknown |
What we found
- Paying top rate tax on every vest, with nothing to offset it
- A $1.5M mortgage costing money and saving no tax
- Equity sitting lazy instead of building wealth
Step 2 · Where
Where they wanted to be
Their goals
- Pay less tax, legally
- Retire by 57
- Fund the kids’ education
The goal
$16K / month
Passive retirement income, from age 57.
Step 3 · How
What we did, and who did it
- Clear cash flow split between lifestyle and strategy
Us - RSU sell down sequenced to his vest dates and tax year
UsAccountant - Debt recycling to turn the $1.5M mortgage into tax deductible investment debt
UsBroker - Diversified into low cost ETFs, out of one company’s stock
Us - Super contributions to cut tax and build retirement wealth
Us - Education and legacy plan for the kids
UsSolicitor - Retirement income modelling to target age 57
Us
One combined strategy. Everything in one place.
Names and details changed for privacy. Results depend on your circumstances.
The result
$90K
Saved in tax every year, from 3 meetings over 3 months.
- $90K+ less tax every year
- A $1.5M mortgage now working for him
- On track for $16K a month at 57
- The kids’ education planned and funded
Same income. Same lifestyle. $90K less tax every year.
Sound like you?
Big vests, big tax bill, and a mortgage that isn’t pulling its weight?
If this sounds like you, let’s talk. 15 minutes, no cost, no obligation.
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