RSUs vesting in 2026?
How you handle them this year could decide if you retire on your terms.
RSU advice for senior professionals who want clarity on retirement, vesting, and not having all your eggs in one basket.
We can help you if...
- Your RSUs are vesting but you're not sure when, or whether, to sell
- You're confused about Capital Gains Tax when selling
- Most of your net worth is tied up in your RSUs , and that worries you
- You want to know if you'll have enough saved to fund your retirement lifestyle
- You have no clear investment strategy to help reach your financial goals
- You would like to know at what age you can retire
Real RSU Cases We've Worked On
Everyone we help at Lumos Financial have different goals and ambitions, which is why every financial plan we create is tailor-made. Our client success stories demonstrate our long-held, genuine desire to make a difference to people’s futures.
Adam - Senior VP at Genpact
How a Senior Tech Executive on £350k Built a Plan to Retire at 60 -
and Uncovered £27k in Hidden Pension Tax Charges
Adam came to me in his late 40s. He’d spent nearly two decades at a global tech company and earned around £350k a year between salary, bonus and RSUs.
On paper things looked good. But no one had ever brought everything together to show him whether it actually added up.
His assets were spread across several countries, almost 40% of his net worth sat in company stock, and there was a problem nobody had spotted: his pension annual allowance had tapered to £4,000, but contributions had continued at the old rate.
Over three years this created £60,000 in excess contributions and nearly £27,000 in tax charges owed to HMRC.
WHAT HE WANTED TO KNOW:
- What should I do with my RSUs?
- Can I retire in my late 50s?
- How should we save for the children’s university?
- How do we fix the pension issue?
WHAT WE DID:
- Calculated the historic annual allowance breaches,
- resolved the pension tax charge,
- and built a cash-flow model incorporating his income, RSU vesting and long-term investment strategy.
- We also implemented a diversification plan so his company shares didn’t dominate his net worth.
THE OUTCOME:
Adam now has a clear strategy for managing his RSUs, fully uses his family’s tax allowances, and is steadily reducing their £750k mortgage.
Most importantly, the modelling showed he can retire at 60, transition into part-time consulting, and maintain his family’s lifestyle.
He now has a plan he trusts.
Independent Client Reviews
5.0
Why RSU Holders Work With Us
I've seen your situation before
The same problems come up again and again: tapered annual allowances, concentration risk, anchoring on a share price, assets scattered everywhere.
This isn't new territory for us.
I take away the mental strain
You're already doing a demanding job. You don't want to spend your evenings researching CGT allowances and vesting schedules. We do the thinking, map out the options, and give you clear recommendations.
RSUs are the start, not the whole picture
You might come with an RSU question, but the real value is joining the dots across everything you have. The goal is a plan for your life, not just a strategy for your stock.
Meet Shabbar
Growing up, I watched my family lose our home. Not overnight, but gradually, through a combination of debt, bad luck, and decisions that made sense at the time but didn’t end well. By the time I was in my early twenties, the damage was done. My parents arrived at retirement with very little in place, and a financial future that was far more uncertain than it needed to be.
That stayed with me.
It’s why I’m passionate about one thing: the big mistakes are avoidable. With the right plan and someone joining the dots early enough, most of the situations that derail people’s retirement simply don’t have to happen.
My focus on RSUs came through working with senior professionals referred by their accountants. Many were sitting on significant equity, concentrated in a single stock, with no real plan for how it fitted into their retirement plans.
At Lumos, we’re determined to make sure our clients reach their financial goals. The numbers matter, but they’re not the starting point.
The main focus is the life you want to live and we work backwards from there.
