Are you a Meta tech professional who wants to take charge of your benefits?
You’ve worked hard to advance in your career. You deserve confidence around your finances, too. Claim every dollar you deserve, build your wealth, and achieve financial freedom with a one-of-a-kind plan catered to you.
Your Compensation Structure is Far from Typical
1) Base Salary → 2) New Hire Bonus → 3) Restricted Stock Units (RSUs)
As a Meta tech professional, your compensation goes far beyond a simple paycheck. With bonuses, RSUs, employee benefits, 401(k) matches, and more, your financial landscape requires strategic decision making – or else you’ll find yourself strapped with surprise tax penalties, missed opportunities, and concentration risk. That’s not the life you want for you and your family!
Our team assesses your financial situation to develop a plan that maximizes your compensation, taps into your employee benefits, and helps you achieve your long-term goals.
Feel confident with a strategic, comprehensive financial plan for your future
Win the tax game. Structure your portfolio efficiently, identify which Meta RSUs to sell vs. hold, and more - click here to grab our cheat sheet on Meta RSUs!
Work toward financial freedom by efficiently navigating cash bonuses, stock compensation, and RSU vesting schedules
Secure your retirement with a Meta 401(k), supplemented with After-Tax to Roth - aka Mega back-door Roth 401(k) - click here for our guide to maximizing your Meta 401k!
Examine job offers and quantify how each scenario impacts your financial plan
Schedule check-in meetings around all life events with a proactive team that helps you adapt and evolve your plan as needed
Could you be getting more from your Meta/Facebook Employee Benefits?
Some parts of your compensation package are fairly straightforward. Other parts, not so much.
Between managing your RSU schedules, trying to understand strategies like the Mega backdoor Roth, and staying on top of the latest tax rules and changes, it’s easy for some benefits to slip through the cracks.
Our team takes a proactive approach to make sure you’re getting everything you’re entitled to receive.
Meta Employee Benefit FAQs
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Meta will match 50% of employee contributions to a 401(k), up to the yearly IRS limit. The exact amount changes each year, so check the IRS’s website for the latest figures.
Unlike many other employers, Meta’s 401(k) match also applies to catch-up contributions.
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Vesting Schedule A: You’ll continue to earn 1/16th of your RSUs each quarter over the next four years.
Vesting Schedule B: You’ll get 1/12th of your RSUs in the first quarter, 1/16th in the next two quarters, and 2/48th in the final quarter.
Vesting Schedule C: You’ll get 5/48th of your RSUs in the first quarter. Then, you’ll receive 1/16th in the following quarters (except for the final quarter, where you’ll get 1/48th).
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This depends on when you sell your RSUs. If you sell immediately after they vest, the RSUs will only be taxed as ordinary income.
If you hold onto them for a bit before selling, they may also be subject to a capital gains tax. This only happens if you actually had a gain, though. Even though you’re taxed twice, you also made money twice!
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This could be any number of things, but most commonly with Meta employees, it’s because your sell-to-cover election is too low to cover the tax owed on your RSUs.
The default Federal tax withholding rate for many tech firms is 22%. Depending on your income and how many RSUs are vesting that year, the default may not be enough to cover what you owe.
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Consilio Wealth Advisors (CWA) is not affiliated with Meta. While CWA communicates with its clients regarding their Meta employee benefits, and maintains records on Meta’s Benefits, there is no guarantee that the information provided is accurate or up-to-date. Meta 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.