Other Considerations

Even with a solid RSU strategy in place, there are a few overlooked tax and compliance details that can complicate things. Here are the core points from the lesson:

• Insider trading policies may limit your ability to auto-sell or manually sell RSUs immediately upon vesting, leading to short-term gains or losses you can’t always control
• Wash sale rules can disallow losses if you repurchase the same stock within 30 days of a sale, which can easily happen with monthly vesting schedules
• Incorrectly reporting RSU-related wash sales on your taxes may go unnoticed, but technically violates IRS rules and can affect your cost basis going forward

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