Who we serve · 02
Executives
Your compensation arrived in pieces: salary, bonus, and equity that vests on a schedule you did not set. Some of it you have sold, most of it you have not, and the position has quietly grown into the largest thing you own. You know this, and you have not done anything about it, because selling the thing that has gone up feels like the wrong move.
What people in this position ask
On the first call- How much of my net worth is actually in my employer, counting salary?
- Should I sell at vest, or is holding the right call?
- What is the tax treatment here, and does it differ for RSURestricted stock unit. A promise of company shares that becomes actual shares on a set date, provided you are still employed when that date arrives. and options?
- Is there a blackout window or an internal policy I am about to breach?
- If I sell, where does the money go, and what do I buy instead?
- What happens to unvested equity if I leave or am let go?
None of these has a general answer. Every one of them turns on facts about you, which is why the first thing that happens is a conversation rather than a recommendation.
What actually makes this hard
The honest version- 01
Your job and your savings are the same bet
A bad year at your employer can take the share price and your income together. That correlation is the risk, and it is invisible on any statement because the two sit in different places.
- 02
Selling feels like disloyalty, or like a signal
It is neither, but it feels like both, which is why concentrated positions persist for years. A schedule agreed in advance removes the decision from the moment.
- 03
The tax and the timing are entangled
Vest dates, blackout windows, Swiss tax years and your own cash needs rarely line up. Deciding each one as it arrives produces a worse result than deciding all of them once.
Our share is calculated on the gain, so reducing a position that has already risen does not generate a fee on ground you gained before you met us.
Every term of the feeWe advise; you place every trade. That matters more here than anywhere else on this site: nothing we do can breach your employer’s dealing policy, because we cannot deal.
If this is you, the first call costs nothing.
Thirty minutes. You describe the position, we tell you what we would do and what it would cost, and one legitimate outcome is that you do not need MB Financial Advisory at all. Our fee is 10% of the gain, so a conversation that leads nowhere leads to no invoice either.