Stock Comp
“I hold a highly concentrated stock position with massive unrealized capital gains, what are the exact tax benefits of transferring these shares into a Charitable Remainder Trust?”
A charitable remainder trust can create a mix of income tax, capital gains, and estate planning effects, but the exact benefit depends on several moving parts, including the fair market value of the concentrated shares, the built in gain, the trust design, and how the income stream is structured. In many cases, the analysis also turns on holding period, valuation support, and the charitable deduction rules tied to the projected remainder interest. Because highly appreciated stock can raise liquidity, diversification, and timing questions at the same time, the tax result is often very fact specific. A short conversation with a CPA can sort out what applies to your specific numbers.
In your 90-minute session, the KGOB advisor handling it will:
- Read your exact situation and tell you, in plain English, what’s actually going on.
- Lay out your options and the trade-offs — no jargon, no judgment.
- Give you a clear next step you can act on, whether that’s with us or on your own.
“My RSUs vested and my paycheck looks off, did I already pay the tax?”
“My ESPP shares vested and my paycheck looks off, did I already pay the tax?”
“My stock options vested and my paycheck looks off, did I already pay the tax?”
“I have ESPP shares and don't understand how they're taxed, can you explain?”
This page is a prompt to start a conversation, not tax or legal advice, and states no tax-law specifics as fact. A consult session does not by itself create an ongoing engagement. We do not promise specific outcomes or savings. Kohari Gonzalez Oneyear & Brown PLLC — Charlotte, NC.
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