RSU strategies built just for you

See how employees across tech use Candor to optimize their taxes, plan for the long-term and get a better price for their RSUs

Happy student working on a laptop

See how Candor helps tech employees

Scenario 1: Meta employee

“I hold too much company stock.”

Level: L6
Years at Company: 2
Position:Product Manager
Product manager working
Problem:

Amir has accumulated a lot of RSUs between his salary and refreshers. His Meta shares now make up the majority of his net worth. Amir is worried about having an overconcentrated position in Meta, especially since the stock has been volatile lately and he lost some value since the beginning of the year. He wants to reduce risk of further losses by building a diversified portfolio but doesn’t know where to start.

Product manager working
Level: L6
Years at Company: 2
Position: Product Manager
Solution:

Amir’s recommendations include a trading plan that automatically swaps his RSUs for a Blackrock institutional portfolio weekly. He is in a high tax bracket so he also has portfolio tax optimization and long term capital gains settings turned on.

Settings selected:
Trade during blackout
Tax-optimize trades
Candor Alpha Portfolios

Institutional-grade portfolios helps you earn more over the long-term

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Scenario 2: snap employee

“I’ve lost too much value in my stock. I only want to sell if it goes back up. ”

Level: L5
Years at Company: 5
Position:UX Designer
UX Designer working
Problem:

Camilla is receiving RSUs as part of her compensation at Snap and has been anxiously watching the stock price fall. She’s decided that if the price ever goes back again, she wants to sell immediately to recoup as much of her losses as she can. Because of trading window restrictions, Camilla can’t sell immediately when the price goes up. She also wants to get as much of her money back as possible and a limit order is risky- the price may go even higher after she trades and she wants to get all the upside she can.

UX Designer working
Level: L5
Years at Company: 5
Position: UX Designer
Solution:

Camilla sets up a Candor plan with a trigger limit - the plan can trade immediately, even outside trading windows. Since she really cares about getting the most out of her stock, she turns on the “upswing limit” setting. This allows her to sell each grant in 20 micro transactions, taking advantage of upside pricing of the stock and getting a much better average price compared to selling it all at once.

Settings selected:
Trading trigger
Tax-optimize trades
Analyst projections

Price tracking helps you get more per share for your RSUs

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Scenario 3: Amazon employee

“I want to get cash out to pay bills.”

Level: L7
Years at Company: 3
Position:Software Engineer
Software engineer working
Problem:

In year 3, Emma will get much less cash as part of her pay, making it hard to afford her monthly bills. She’s never sold RSUs before. She’s anxious about her savings.

Software engineer working
Level: L7
Years at Company: 3
Position: Software Engineer
Solution:

With Candor, Emma sets up a recurring monthly sale of 10% of her RSUs- just enough to cover her bills. She can optimize what price she gets for her shares with a pre-set trading plan. And, she can transfer as much cash as she needs into her checking account.

Settings selected:
Trade during blackout
Tax-optimize trades
Cash out proceeds

Trading plans helps you sell weekly and avoid trading windows

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Scenario 4: Google employee

“I want to pay less in taxes than last year.”

Level: L6
Years at Company: 3
Position:Software Engineer
Product manager working
Problem:

Sujit sold some RSUs last year but did not anticipate how high his tax bill would be. He recently learned he can optimize his sales by waiting for long term capital gains. He wants to make sure he automatically gets a tax break without having to time trades himself.

Product manager working
Level: L6
Years at Company: 3
Position: Software Engineer
Solution:

Sujit sets up a trading plan focused on his taxes. His recommendation include long term capital gains for both his current and future RSUs. In case the stock declines, he also has wash sales on. He picked a 25% liquidation preference across all his grants and swaps the proceeds to a tax-free portfolio.

Settings selected:
10b5-1 plan
Long term capital gains
Tax-drag free portfolio

Saves on taxes by timing your trades better

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Stop losing money

Use an RSU trading algorithm.

Think us like a hedge fund in your pocket.

Automatically time trades to save on taxes, reduce losses and earn more per share.

Frequent questions

General
Trading plans
Taxes
Portfolios
How is Candor different than...
Security

How does Candor save me money on taxes?

Candor helps you both sell and re-invest your RSUs in a tax efficient way.

  • Selling: when you sell your shares matters a lot for taxes. Candor's algorithms automatically time your trades so you pay less in taxes.
  • Re-investing: If you use a traditional advisor to invest, the way their process works would causes extra taxes for you every quarter. The way Candor re-invests doesn't cause an extra tax cost. More about tax-free rebalancing.

Will I have to do anything special when I file my taxes?

Can Candor work with my accountant?