Does selling enough shares for withholding settle my tax?

Not necessarily. It funds a required payment, which can be above or below final liability. Use a full-year estimate to check the difference.

Can I start with software and add an advisor later?

Yes. Start with the AI software to understand your grants and compare scenarios. Add a human CPA and CFP team when you want a financial plan, tax filing, and help with the next steps.

What should I bring to a conversation about my stock grants?

Gather grant agreements, vesting and exercise dates, recent pay statements, and any trading restrictions. Include existing company shares and other household accounts so tax payments and concentration risk can be considered together.

Plan your equity and household finances together

Your salary pays the bills. Your stock adds decisions about timing, taxes, and how much to keep in one company. Explore both with Nino’s AI software, or add a human CPA and CFP team for a financial and tax plan.

RSU withholding

Compare a compensation estimate with withholding and other household tax assumptions.

Stock options

Explore exercise cost, spread, and potential cash needs using your grant information.

Company exposure

See employer equity beside investments and other household assets.

Life outside the grant

Keep a home purchase, time off, and retirement goals in the same picture.

Decisions to check carefully

These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.

01

Withholding gaps

Required withholding can differ from final tax. Check the full-year projection and all payments.

02

Exercise cash

An ISO exercise-and-hold can create AMT before a sale. A valuation does not guarantee cash is available.

03

Concentration

Your salary and stock can depend on the same company. Test a downside scenario before choosing what to retain.

The average user saves $800 their first month, $8,000 their first year.

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