ExxonMobil Restricted Stock Units (RSUs)

ExxonMobil Restricted Stock Units (RSUs)

Step 1 - Restricted Stock Units granted to employee. Non taxable event.

Step 2 - Restricted Stock Units vest. Stock is sold to pay ordinary income tax.

Step 3 - Determine whether to hold or sell vested shares. Can be additional capital gains tax.

ExxonMobil RSU example:

  • 1,000 shares granted to employee on 3 and 7 year vesting schedules

  • 200 shares vest in November (assume $125/share)

  • 200 shares x $125/share = $25,000 gross ordinary income

  • 40 shares sold to pay tax

  • 160 net shares transferred to brokerage account

  • Decide whether to sell or hold the 160 shares

Financial Planning for ExxonMobil Employees

Since 1981, the Stenger Family has been providing customized financial planning and investment advice to employees of ExxonMobil. We began our journey at the Mobil refinery in Joliet, IL. Today, Stenger Family Office works with hundreds of current and former ExxonMobil employees across the country. We have offices in Naperville, IL and Spring, TX, directly across the street from ExxonMobil’s main HQ.

Stenger Family Office financial advisors serve ExxonMobil families in Houston, Midland, Clinton, NJ, Baton Rouge, Joliet, IL, Baytown & Beaumont, TX, and California.

Spring, TX Office:
1700 City Plaza Drive
Suite 440
Spring, TX 77389

Phone: (630) 912-8431
Email: Nick.Stenger@stengerfamilyoffice.com

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Nick Stenger | Financial Advisor
Phone: (630) 912-8431
Email: Nick.Stenger@stengerfamilyoffice.com

1700 City Plaza Drive, Suite 440
Spring, TX 77389

What are RSUs (Restricted Stock Units)?

An RSU (restricted stock unit) is a promise to transfer shares — or make a cash payment — at some future date, typically after time or performance vesting requirements are met. Unlike actual stock, an RSU does not provide ownership in the company when it's granted.

How are RSUs taxed?

RSUs are taxed as ordinary income based on the stock's fair market value on the vesting date. They're considered "supplemental income," subject to mandatory federal withholding of 22% for income under $1 million, or 37% above that threshold.

Do RSUs affect your tax bracket?

Yes — when RSUs vest, their fair market value is reported on your W-2 and taxed as ordinary income, just like your salary. The value at vesting also establishes your cost basis for capital gains purposes if you later sell the shares.

Should I sell RSUs when they vest?

It depends - sometimes it makes sense to hold the stock, sometimes it makes sense to sell. Talk to a fiduciary financial advisor before making a final decision.

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