Are you an Amazon tech professional who wants help with financial decision-making?
You’ve worked hard to reach your career milestones. You deserve confidence around your finances, too. Our team helps you navigate your unique compensation package by creating a long-term plan that aligns with your objectives.
Let’s Talk About Your Income
1) Base Salary → 2) New Hire Bonus → Restricted Stock Units (RSUs)
Your income is… lumpy. If you’re new, you have a cash bonus for the first two years. After that, you receive the majority of your compensation two to four times per year in the form of RSUs.
Our team assesses your financial situation to develop a plan that maximizes your compensation, aligning all of your income sources with what’s important to you.
Tackle every decision about your benefits and compensation with confidence:
Win the tax game. Identify which RSUs to sell vs hold, and how to structure your portfolio
Navigate cash bonuses, stock compensation, and vesting schedules
401(k), After-Tax to Roth - aka Mega back-door Roth 401(k) - click here for our guide to maximizing your Amazon 401(k)
Align your Restricted Stock Units (RSUs) with your goals - know how much you should sell and how much you can keep - click here for our cheat sheet to Amazon RSUs
Examine job offers and quantify how each scenario impacts your financial plan
Schedule check-in meetings around all life events with a proactive team
Curious if you’re missing something about your benefits or compensation package?
Some employee perks may not be straightforward. Understanding every fine detail paves the way for a solid financial plan. We help remove all the guesswork.
True or false?
How well do you understand Amazon’s benefits and compensation packages? Test your knowledge with these common misconceptions.
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❌ False.
A vest is recognized as income once received. Amazon automatically sells a default of 22% of that vest to pay Federal income tax, while the remaining shares are deposited in your RSU account. Selling the same day you receive shares (or within a few days) will not result in additional tax, assuming your sell price is the same as your vest price and that 22% is all you owe in Federal income tax.
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✅ True.
Amazon offers a 2% 401(k) match (50% of 4%), but there’s a catch. After three years of employment, it becomes fully vested. AKA: you take it with you if you leave the company (but only after sticking around for three years).
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❌ False.
Amazon will delay your vest by the amount of time you spend on leave. Ex: If absent for two months and your initial vesting schedule falls in May, it will bump to July.
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✅ True.
If your stock vested at $3,000 per share, your cost basis is now $3,000 per share. This is why a vest is classified as income and also why if you sell at $3,000 per share, you won’t incur any short-term (or long-term) capital gains.
Take the first step to understand your financial situation and build the life you want.
Ditch your financial jitters and experience the confidence you deserve. Leave the planning to us.
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Consilio Wealth Advisors (CWA) is not affiliated with Amazon. While CWA communicates with its clients regarding their Amazon employee benefits, and maintains records on Amazon’s Benefits, there is no guarantee that the information provided is accurate or up-to-date. Amazon employees should rely on their employer for the most up-to-date information on their benefits, and for answers to any questions regarding their specific situation. There is no guarantee as to the current accuracy of, nor liability for, decisions based on such information and it should not be relied on as such. This information is designed to be educational only, and does not constitute financial advice.