Grow your RSUs

Swap a portion of your RSUs for an institutional grade portfolio. Works with every vest.

Used by employees at
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?
Why is my stock falling?
Will I regret selling?
Unparalleled Expertise

We know everything about RSUs

We're here for the whole journey – from the time you first vest, to managing your taxes and deciding when to sell.

Invest smarter

Go from one stock to an institutional-grade portfolio in a few clicks

Use the same advanced financial strategies that CEOs use to earn more from their RSUs

Tax-free rebalancing
Dollar cost averaging
10b5-1 plans
Bank-level security

How it works

Step 1

Keep or sell RSUs?
We’ll help you decide

Take the quiz to see what top financial advisors recommend for your situation — in plain English.
Your Strategy
Step 2

Trade weekly,
pick any vests

Re-invest your RSUs with every vest and get access to institutional quality portfolios — no account minimums.
Taxes
-20%
Step 3

Start earning more,
tax optimized

Candor’s tax-free rebalancing saves you on taxes, plus choose from advanced options to optimize long term capital gains.
Start today

Become a client

Get started with as little as 1 share
Become a client
now
Your 125 shares have been sold at $12,510.
Laptop

Invest like the ultra wealthy with every vest

Learn more about Candor portfolios →

Advanced strategies to help you earn more on your RSUs

11%*
5yr returns

Institutional-grade portfolios

Get access to portfolios from the world’s top wealth firms — without the multi-million dollar minimums.

Learn more →
+6%*
returns

Sell RSUs at a better time

Use a 10b5-1 trading plan to sell weekly, avoid trading windows and get a better average price.

Learn more →
+2%*
net returns

Pay less taxes

3 tax settings to keep more of what you earn.

Learn more →
Past performance does not guarantee future results. Regarding portfolio returns: Returns based on Candor's Alpha portfolio for the 5 year period ending April 1, 2022, net of fees. Regarding 10b5-1 plan returns: A Stanford study found that, on average, trades under 10b5-1 plans outperformed the market by about 6%. 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. Regarding tax impact: A study by Morningstar found that on average, over the 95-year period ending in 2020, investors gave up approximately 2 percentage points of their annual returns to taxes. Candor rebalances portfolios in a way that does not create a tax liability (more information).Show more
Become a client
Annualized sector returns during historical periods of stagflation
Past performance does not guarantee future results. Results will depend on your individual factors and circumstances, including your personal investment decision-making. Based on a study from Shroders titled “What does stagflation mean for your equity portfolio?” published March 2022. Select sectors only, view full report.Show more

The economy has changed. Has your investment strategy?

Get up to speed

Read the latest investment research

J.P. Morgan: The Agony and The EcstasyMorningstar: How Many Stocks Beat the Indexes?Fidelity: Tax-Smart InvestingA16Z: What to Know About Equity Compensation

Candor keeps your money safe

INSURED UP TO
$500k
Securities held at Apex Clearing are insured by SIPC. SIPC does not protect against investment losses. 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

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

Frequent questions

General
10b5-1 trading plans
Taxes
Portfolios
How is Candor different?
Security

Who is this for?

Candor helps people who earn RSUs at public companies. To be eligible, you need to be a legal resident of the US and you need to receive your RSUs at either Schwab or Fidelity.

A beta for Morgan Stanley is available, email hello@candor.co to join the beta. Other brokerages are coming soon, join the early access list to be the first to know when it's ready.

The trademarks SCHWAB®, FIDELITY®, MORGAN STANLEY® are the property of their respective owners and are used for informational purposes only to identify Candor’s capabilities. Candor does not have a relationship with Charles Schwab & Co., Inc., Fidelity Brokerage Services LLC or Morgan Stanley Smith Barney LLC and Candor’s services are not provided by, affiliated with, or endorsed by Schwab, Fidelity or Morgan Stanley.

How does it work?

How much does it cost?

What's a 10b5-1 plan?

Who is Candor?

Is Candor a fiduciary?