RSU Tax Planning Strategies for High Earners in 2026

If your RSUs vested this year, the IRS already classified that income as ordinary compensation, taxed at up to 37% the moment it hit your account. Most high earners just accept that bill. The ones who do not are using a handful of strategies that most people have never heard of. In this video we break down how RSUs are taxed at vesting, how holding periods can shift your gains to capital gains rates, how retirement contributions create direct offsets in the same tax year, how tax-loss harvesting can neutralize part of the income spike, and how multi-year vesting schedule planning keeps you out of bracket creep year after year. This is the RSU planning guide your HR department will never hand you. Follow for more tax tips

Added 28 May 2026