Financial Planning
for Microsoft Employees

Consider tax implications, diversification needs, and strategies to manage your exposure responsibly.

We use strategies like gradual diversification, covered calls, and 10b5-1 trading plans.

Yes. Donating eligible appreciated Microsoft shares directly to a donor-advised fund may allow you to avoid realizing capital gains on the donated shares while potentially qualifying for a charitable income-tax deduction, subject to holding-period, itemization, income, valuation, and other IRS requirements.

A Rule 10b5-1 plan is a written trading arrangement that allows eligible company insiders to establish future stock sales in advance. When adopted and administered in accordance with SEC requirements, it may provide an affirmative defense to insider-trading liability. Whether a plan is appropriate depends on your role, liquidity needs, company policies, and broader financial strategy.

RSUs are taxed as ordinary income when they vest. ESPPs may receive favorable treatment based on holding period.

Usually not. A phased approach helps manage taxes and market timing risk.

We review your cost basis, financial goals, tax status, and market exposure.

Yes. We may recommend options strategies or structured products for downside protection.

It depends on your risk tolerance, net worth, and financial goals.

We provide equity compensation analysis, tax planning, and diversification strategies.