Restricted Stock and Taxes: Don’t Get Caught Off Guard

Case Study, Featured, Investment Selection, Nearing Retirement, Retirement, Tax

Stock compensation can be a powerful wealth-building tool, but it’s also packed with tricky tax questions. The “Henssler Money Talks” hosts tackle a real-world restricted stock scenario: If taxes are withheld at grant date, but you won’t receive the stock until it vests—and you know you’ll retire before some of those shares vest—should you accept them anyway? Or is it smarter to walk away from stock you’ll never see? We break down how restricted stock works, the tax implications, and strategies to consider when your career timeline clashes with your vesting schedule.