Get more out of your RSUs

With a staged selling plan, you can save up to 20% on taxes, sell outside trading windows, reduce risk and more

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Our mission

Helping everyday employees manage their RSUs like the 1%

We believe you deserve the same access to financial tools and expertise as the executives at your company — without needing to hire an army of lawyers, accountants and wealth managers. We built Candor to democratize the most coveted financial tools that can help protect and grow your stock.
How much should I sell?
Will I owe a lot of taxes?
Are trading windows bad?
Will I regret selling?
4 out of 5 tech employees feel anxious about their RSUs
Experts agree

Holding too much RSUs is like trying to get rich off a lottery ticket

40%
of stocks suffer a 70%+ decline from their peak
Source: JP Morgan
75%
of concentrated stockholders would have benefited from diversification
Source: JP Morgan
The vast majority of individual stocks do worse than the market over 10 years
how it works

See why people who use a staged selling plan double their money over 12 years

Sources & disclaimers: A Stanford study found that, on average, trades under 10b5-1 plans outperformed the market by about 6%, or approximately 2x over 12 years. See Jagolinzer, "Do insiders trade strategically within the SEC Rule 10b5-1 safe harbor?" Results will depend on your individual factors and circumstances, including your personal investment decision-making. The compound returns of portfolios with consistent average annual returns are greater than those with volatile annual returns, known as "volality drag" or "volality tax". The portfolio presented is hypothetical in nature and only intended for illustrative purpose, results will vary based on your individual factors and circumstances.read more
Your personalized RSU plan

Connect your brokerage and get your RSU Score

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Pick your company
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The most savvy use staged selling plans

From CEOs to engineers, staged selling plans help reduce volatility and increase long-term compounding
Meta
Twitter
Google
Salesforce

ceo of Meta

Mark Zuckerberg has used a staged selling plan since 2016. He sells shares nearly every day.

Based on Form 4 filings retrieved November 2021. For illustrative purposes only, not an indication of affiliation with or endorsement of Candor.
Based on Form 4 filings retrieved November 2021. For illustrative purposes only, not an indication of affiliation with or endorsement of Candor.
Owe nothing until your first vest

Get set up in 5 minutes flat

1
Get your RSU Score
Connect your brokerage to analyze your RSUs and get the latest financial research tailored to your situation.
2
Pick your settings
Choose how to diversify, whether to draw cash and how to optimize your taxes. Your RSUs get securely transfered and your plan begins.
3
Set it and forget it
Automate decision-making for future grants, compound gains and learn more about investing on our weekly calls.
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Works with your brokerage
Coming soon

Advanced strategies that can help you earn even more

With a staged selling plan, you can get access to advanced financial strategies previously only available to executives
Get more predictable income
Using Dollar Cost Averaging (DCA) to trade over several weeks allows you to smooth out variability and get more predictable income.
Illustrative example only, actual results depends on your factors and circumstances.
Avoid trading windows
With a staged selling plan, trades are prescheduled in advance to make sure they happen at the best time.
Illustrative example only. With Candor, you can choose to sell your RSUs at a time you decide in advance, including at times that might be better than issuer-approved trading windows. Results will depend on your individual factors and circumstances, including your personal investment decision-making.
Tax optimization
Automatically optimize the timing of trades to save up to 20% on capital gains taxes.
Actual tax savings dependent on specific financial situation, consult a tax specialist to ensure appropriateness for your specific circumstances
Diversify your RSUs
Choose between 5 diversification strategies to reduce risk.
Illustrative example only, actual diversification plan depends on your choices
Future Proof
Works with your brokerage to make sure your shares are securely transferred for all vests going forward.

Candor keeps your money safe

INSURED UP TO
$500k
Securities held at Apex Clearing are insured by the Securities Investor Protection Corporation Learn what SIPC covers
Registered with the Securities and Exchange Commission (SEC)
Bank-level encryption, compliance and risk controls
Member of National Association of Stock Plan Professionals

Your brightest peers’ advice on how to protect your earnings

Diversify. Don’t want to get caught holding the bag when the party ends.

Employee on Blind

Never hold RSUs — always diversify.

Employee on Blind

Trust me, as a guy who spent 20 years at MSFT riding the wave of stock splits on he 90s, before joining AMZN, this stock appreciation won’t last... Diversify.

Employee on Blind

Your brightest peers’ advice on how to protect your earnings

Diversify. Don’t want to get caught holding the bag when the party ends.

Employee on Blind

Never hold RSUs — always diversify.

Employee on Blind

Trust me, as a guy who spent 20 years at MSFT riding the wave of stock splits on he 90s, before joining AMZN, this stock appreciation won’t last... Diversify.

Employee on Blind

Diversify. Once you get rich, the only way to stop being rich is if you concentrate your wealth in something that fails.

Employee on Blind

You presumably still have a large amount of money in unvested stock, which already exposes you to price movements. Sell and diversify

Employee on Blind

Frequently Asked Questions

General
Staged selling plans
Security

Who is this for?

Why should I use Candor?

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You wouldn’t advise a friend to keep all their money in one stock, so why would you?

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