​TECH EMPLOYEES
Complex pay, made clear.
Concentrated stock. A complex tax life. Wealth that exists on paper before it exists in your pocket. We turn equity compensation into real, diversified wealth.
WHAT CLIENTS ASK
Common questions from tech employees with equity compensation.
The most common concerns we hear from senior tech employees in Ireland - whether you're stuck with concentrated stock, navigating a vesting cliff, or planning a cross-border move.
01 Financial Independence
What is my number and when can I realistically get there? Give me a green, amber and red target so I know exactly what I am building towards.
02 Concentration Risk
More than half my net worth is in my employer's stock. How much is too much and how do I reduce it without a massive tax bill?
03 RSU Tax Planning
What is my real take-home from my next vest after Irish tax and how do I avoid bunching too much income into one year?
04 Pension and Salary Planning
I am a high earner but my pension barely reflects it. How do I structure salary, bonus and pension contributions around my equity to actually build long-term wealth?
05 Cross Border Planning
I am considering relocating to the US or returning home. What happens to my vested and unvested equity from an Irish tax perspective?
06 Golden Handcuffs
I want to leave my job but I have significant unvested stock. How do I model whether it is worth staying and what does the real cost of leaving look like?
HOW WE HELP
Where we go to work for you.
Senior tech compensation is genuinely complicated. Most Irish financial advice isn't built for it -
and the consequences are expensive. Here's where we go to work.
01 Decoding the equity stack
​What you actually hold, when it vests, and what each piece costs you in tax. RSUs, ISOs, ESPPs and share options across current and previous employers, mapped onto one clear page before any decision is made.
02 A tax-efficient sell-down spread across years
A multi-year strategy that diversifies your wealth without bunching tax into one painful year. Capital gains allowances, disposal sequencing, and cross-border treaty positions if a relocation is in the picture.
03 Concentration risk turned into long-term wealth
Building the diversified portfolio your equity eventually becomes. Pension funded to the maximum, tax-efficient wrappers selected for your specific situation, and a structure engineered so the next decade does not depend on one stock price.
"My compensation is mostly equity, and I'd been putting off dealing with it for years. Elliott brought structure to the vesting schedule, the concentration risk and the pension side, and set out a clear order of priorities. It's the first time I've felt genuinely on top of it."
SN, SENIOR ENGINEERING MANAGER, DUBLIN - TECH EMPLOYEE
CASE STUDY
Meet Aoife
Senior engineering manager at a US-listed tech firm in Dublin. Significant equity compensation and a growing concentration risk problem.
BACKGROUND
Age: 37
Role: Senior engineering manager, US-listed tech firm
Base salary: €185,000 p.a.
Annual RSU vesting: approximately €400,000 p.a. at current share price
Total equity holdings: approximately €1,100,000 in unvested and vested RSUs across current and previous employer
Other assets: approximately €95,000 in cash, no property, no pension contributions beyond employer defaults
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Aoife joined her current employer four years ago. The role has been good to her. Base salary has grown, equity has appreciated, and her RSU portfolio has accumulated significantly. She also holds vested RSUs from a previous role at a different tech firm. She is considering buying her first property in Dublin. She has never had structured financial advice and does not know what doing the right thing actually looks like in her situation.
WHAT SHE CAME TO US WITH
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Aoife is over-concentrated. More than 65% of her net worth sits in her current employer's stock. She knows she should diversify but does not know how to do it without a significant tax bill.
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She does not fully understand her RSU stack. When tax is due, what her cost basis is, and how vesting interacts with her income tax position each year.
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She is uncertain whether to pursue property in Dublin now or continue building her equity position first.
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She has never had a pension strategy beyond employer defaults despite a high and growing income.
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Her accountant gave one view on RSU disposal timing. Her employer portal gave another. She does not know who to trust.
WHAT WE DID
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Decoded the full RSU stack onto one page. Every grant, vesting schedule, tax position at vest and at sale, current value and cost basis. No more guessing what she owns or what it will cost her.
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Built a three-year tax-efficient sell-down strategy using each year's capital gains allowance and RSU disposal sequencing to spread the tax burden across multiple years.
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Modelled the property decision inside the wider financial plan. Whether to buy now, wait, or use proceeds from an accelerated sell-down as a deposit. Each option stress-tested against her vesting schedule.
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Built a pension funding strategy around her RSU income, maximising tax relief at her marginal rate and beginning to build a meaningful retirement asset alongside her equity.
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Coordinated with Aoife's accountant on RSU disposal timing, resolved the inconsistency, and produced documented analysis both parties can refer to going forward.
THE OUTCOME
Aoife now has a clear plan. She knows exactly what she will sell each year, what tax she will pay, and what her diversified portfolio will look like in three years.
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The property decision now sits inside a wider financial plan rather than being made in isolation from her RSU position. Her pension is being funded properly for the first time. And her growing income is finally working as hard as she is.
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This case study is illustrative and based on a composite of typical client scenarios. It does not represent a specific client or guarantee any particular outcome.
The families that place their trust in us.
[Disclaimer] Listed companies are where our tech clients work or have worked. Their inclusion does not imply endorsement of Elliott.
