February 17, 2026
RSUs and Retirement Planning are often closely linked for senior leaders at public companies. When equity makes up a large share of net worth, retirement timing often depends on vesting schedules and share value. The path to financial independence may look clear on paper, but liquidity and taxes can shift the picture.
Many executives find that unvested awards delay flexibility.
Projecting Income After the Paychecks Stop
Base salary may end at retirement. Equity income often does not.
Future vesting from equity grants can extend income into early retirement years. But that income is uneven. It may arrive in large blocks. It may also be tied to market prices at the time of vesting.
A clear projection can help answer key questions:
- How many years of expenses could upcoming vesting cover?
- What happens if share prices change before retirement?
- How will taxable income shift in final working years?
- Does the timing support your retirement planning timeline?
…while simple modeling can make trade-offs easier to see.
Reducing Risk Before a Transition
As retirement approaches, exposure often becomes more concentrated. Human capital and investment capital may both depend on the same company. That link can increase concentrated stock risk.
Some executives review diversification options before stepping away from employment income. The goal is not prediction. It is balance.
Aligning Timing with Flexibility
Retirement is rarely a single date. It is a financial shift.
The decision may depend on cash reserves, projected vesting, and expected expenses. A structured review of RSUs and Executive Retirement Planning can help clarify whether the numbers support the desired timeline.
Small adjustments in timing can sometimes change long-term outcomes in meaningful ways.
Ready to Take the Next Step? Contact Spectrum Asset Management
Disclaimer: This material is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. All investing involves risk, including the potential loss of principal. Consult your financial, legal, and tax professionals regarding your personal circumstances.
