{"id":16689,"date":"2025-02-13T18:39:16","date_gmt":"2025-02-13T23:39:16","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/?p=16689"},"modified":"2026-03-20T14:07:28","modified_gmt":"2026-03-20T14:07:28","slug":"how-to-include-deferred-compensation-in-your-wealth-strategy","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy","title":{"rendered":"How to include deferred compensation in your wealth strategy"},"content":{"rendered":"\n<p>Deferred compensation (or &#8220;deferred remuneration&#8221;) is a common benefit provided by businesses in order to attract and retain the best talent. For C-suite individuals at listed companies, this often takes the form of restricted stock units (RSUs).<\/p>\n\n\n\n<p>In essence, RSUs are a promise from your employer to give you company shares at a later date. Shares are awarded, or &#8220;granted,&#8221; on one date, and then you receive them down the line on a vesting date (or dates).<\/p>\n\n\n\n<p>Vesting is the process of gaining full ownership of an asset, meaning you don&#8217;t have full control over it until the vesting period has passed. Once it&#8217;s passed, the asset belongs to you and can be exercised and\/or sold.<\/p>\n\n\n\n<p>RSUs typically vest in one of two ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gradual vesting<\/strong>: for example, 1,000 shares are granted in a company, and for the next five years, you receive 20 percent of those shares each year.<\/li>\n\n\n\n<li><strong>&#8220;Cliff&#8221; vesting<\/strong>: those same 1,000 shares are granted and are all vested at the end of a set period \u2013 for example, seven years.<\/li>\n<\/ul>\n\n\n\n<p>Shares are either given in physical format \u2013 which you can choose to sell or hold once they are vested \u2013 or as a &#8220;phantom&#8221; option, in which you are basically granted the cash value (without actually receiving the cash). Once the phantom shares are vested, you receive the cash value based on the share price at the time of vesting. &nbsp;<\/p>\n\n\n\n<p>\u201cOne of the key advantages of RSUs is that they provide additional cash flow in the future,\u201d says Nick Ritchie, senior director, Wealth Planning at RBC Wealth Management in the British Isles. \u201cThe challenge, of course, is how to best include that future income in a <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/beyond-retirement-wealth-planning-for-corporate-executives\">wealth-planning strategy<\/a>.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wealth-planning-for-rsus\"><strong>Wealth planning for RSUs<\/strong><\/h2>\n\n\n\n<p>\u201cUnderstanding the vesting schedule is the starting point when it comes to planning around RSUs,\u201d explains William Sheard, director, Relationship Management at RBC Wealth Management in the British Isles. \u201cIf it\u2019s cliff vesting, for instance, then you know you won\u2019t receive your shares until the end of the set time period. When it comes to gradual vesting, planning tends to be on a more rolling basis.\u201d<\/p>\n\n\n\n<p>Ritchie adds, \u201cThe vesting schedule gives us a sense of a timeline as to when there might be cash flow, and how much that might be. If you\u2019re a 45-year-old managing director whose RSUs are locked in for seven years, then you know you\u2019ll be 52 before the first vesting period. So there might not be urgency around your planning, although we\u2019d certainly recommend having an initial conversation with your adviser. If you\u2019re going to receive your first set of shares in the following year, then you need to think about this now.\u201d<\/p>\n\n\n\n<p>Critical to wealth planning around RSUs is working out the net position of what is \u2013 or might be \u2013 paid out. However, there are two key factors that will have an effect on their value when vested. These are:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-share-price\"><strong>Share price<\/strong><\/h3>\n\n\n\n<p>Over the time that you hold the RSUs, the share price of your company is likely to fluctuate. In an ideal world, the share price will increase, so your holding will be worth more when it vests. Of course, the share price may go down, which means your shares will be worth less.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tax-on-shares\"><strong>Tax on shares<\/strong><\/h3>\n\n\n\n<p>Regardless of whether the share price has gone up or down, it\u2019s vital to understand that when your shares vest, the value will be subject to both income tax and national insurance. It\u2019s also important to note that if you received physical shares, you will be liable for tax whether you choose to hold or sell them. For higher earners, <a href=\"https:\/\/www.fkgb.co.uk\/restricted-stock-units-rsus-tax-implications\/\" target=\"_blank\" rel=\"noreferrer noopener\">that could entail a higher rate of more than 50 percent <\/a>.<\/p>\n\n\n\n<p>\u201cAs a result, the value of your shares at vesting can take a significant \u2018haircut,'&#8221; says Sheard. \u201cThis is why we often advise our clients not to be reliant on that cash flow until it actually arises, or until they have a better view of what the outcome may be.\u201d<\/p>\n\n\n\n<p>If you\u2019ve been given physical shares and decide to hold them, there\u2019s also a risk that capital gains tax may become payable at a later time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reducing-the-downside\"><strong>Reducing the downside<\/strong><\/h2>\n\n\n\n<p>While the tax implications are a drawback of RSUs, there are ways in which these can be mitigated.<\/p>\n\n\n\n<p>\u201cOne option would be to look at tax-advantageous investments, such as <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/video-an-introduction-to-the-enterprise-investment-scheme\">Enterprise Investment Schemes<\/a>,\u201d says Ritchie. \u201cBy taking a portion of the income from the shares and investing it into growth companies, there are valuable tax reliefs available that can help minimise the tax hit.\u201d<\/p>\n\n\n\n<p>It\u2019s also possible to decrease your overall tax liability by making a pension contribution out of your salary relative to the value of the RSUs, as this can reduce your adjusted net income and possibly move you into a lower tax bracket.<\/p>\n\n\n\n<p>If you want to retain shares in your company, you may be able to minimise capital gains by selling the ones that have vested and then buying them back in a stocks and shares Individual Savings Account (ISA), so that future growth is tax-free (a method called &#8220;bed and ISA&#8221;). Alternatively, you could transfer shares to your spouse \u2013 using the inter-spouse transfer exemption \u2013 who could then sell them using their capital gains allowance.<\/p>\n\n\n\n<p>Unsurprisingly, tax mitigation such as this can be complex, which is why consulting a tax adviser to work out your likely net income from vesting is essential.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-role-of-rsus-in-retirement-and-estate-planning\"><strong>Role of RSUs in retirement and estate planning<\/strong><\/h2>\n\n\n\n<p>While it\u2019s important to keep the above in mind, the reality is that RSUs are going to form a part of much <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/what-is-wealth-planning\">broader wealth planning<\/a>. When they are vesting annually, for instance, they may have a direct impact on ongoing wealth-planning decisions.<\/p>\n\n\n\n<p>Conversely, knowing that the cash flow may continue for some time can also help in the longer term, such as with <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-optimise-your-retirement-plans\">retirement planning<\/a>. \u201cTake the managing director who joined a firm at 45 and is now 60 and ready to retire,\u201d says Ritchie. \u201cIf their RSUs are on a seven-year vesting schedule, they know they&#8217;re going to still be receiving cash flow seven years into their retirement, which means they can use it as the basis for retirement planning.\u201d<\/p>\n\n\n\n<p>This could mean that if they have other savings and investments allocated to retirement, they can keep those invested, earning long-term growth, while relying on deferred payouts in the shorter term.<\/p>\n\n\n\n<p>It\u2019s also critical to note that deferred compensation could well form part of your estate. \u201cThis is often overlooked because people can think it&#8217;s not actually worth anything until it\u2019s paid,\u201d says Sheard. \u201cYet there could be hundreds of thousands of pounds tied up that may well pay out on your death, which could then become liable for <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-can-i-reduce-my-inheritance-tax-bill\">inheritance tax<\/a>.\u201d<\/p>\n\n\n\n<p>Depending on the terms of the deferred compensation, vesting of your RSUs may be accelerated on your death, so it&#8217;s worth thinking about hedging <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/the-benefits-of-life-insurance-for-inheritance-tax-planning\">inheritance tax risk with insurance<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rsus-and-the-bigger-wealth-planning-picture\"><strong>RSUs and the bigger wealth-planning picture<\/strong><\/h2>\n\n\n\n<p>It&#8217;s not unheard of for executives to receive RSUs for decades as a form of deferred compensation \u2013 be that from one company or a number of employers if you move jobs and the RSUs are part of your ongoing reward packages.<\/p>\n\n\n\n<p>The longer you receive RSUs, the more likely they will play a much broader role in your wealth planning across the short, medium and long term; whether that&#8217;s for supporting everyday costs, making key purchases, providing for children or investing for the future, including retirement.<\/p>\n\n\n\n<p>\u201cWe regularly have conversations with our clients about <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-much-is-enough-six-steps-to-building-the-perfect-retirement-plan\">how much is enough for retirement<\/a>, what the purpose of their wealth is and what they ultimately want to do with it,\u201d says Ritchie. \u201cWhile the outcome of RSUs can be uncertain, because of taxation and share price implications, they can still play a pivotal role in your financial decision-making, and getting the most appropriate advice is really important in making your goals a reality.&#8221;<\/p>\n\n\n\n<div class=\"wp-block-rbcwm-well well\">\n<p><strong>Please note: <\/strong>This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?<\/p>\n","protected":false},"author":22,"featured_media":16701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"2025-02-13T10:07:00","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[138,139],"tags":[639,644,642,640,142,641],"rbcwm_content_owner":[],"rbcwm_need":[110],"rbcwm_segment":[97],"rbcwm_solution":[119],"rbcwm_topic":[109],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-16689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-strategies","category-wealth-planning","tag-deferred-compensation","tag-restricted-stock-units","tag-rsus","tag-tax-strategies","tag-wealth-planning","tag-wealth-strategies","rbcwm_need-grow","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":[8231],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to include deferred compensation in your wealth strategy<\/title>\n<meta name=\"description\" content=\"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to include deferred compensation in your wealth strategy\" \/>\n<meta property=\"og:description\" content=\"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\" \/>\n<meta property=\"og:site_name\" content=\"RBC Wealth Management\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-13T23:39:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-20T14:07:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/scl-Deferred-compensation-in-your-wealth-strategy-UK-hor.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"chloetejada\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\"},\"author\":{\"name\":\"chloetejada\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/person\/c2bb0a72d12219d75bf7f724d256ed9c\"},\"headline\":\"How to include deferred compensation in your wealth strategy\",\"datePublished\":\"2025-02-13T23:39:16+00:00\",\"dateModified\":\"2026-03-20T14:07:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\"},\"wordCount\":1375,\"publisher\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg\",\"keywords\":[\"deferred compensation\",\"restricted stock units\",\"RSUs\",\"tax strategies\",\"wealth planning\",\"wealth strategies\"],\"articleSection\":[\"Tax strategies\",\"Wealth planning\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\",\"name\":\"How to include deferred compensation in your wealth strategy\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg\",\"datePublished\":\"2025-02-13T23:39:16+00:00\",\"dateModified\":\"2026-03-20T14:07:28+00:00\",\"description\":\"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg\",\"contentUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg\",\"width\":3210,\"height\":2140,\"caption\":\"Three people-two men and a woman-are sitting at a table in an office meeting room. The woman is Black and has black hair that's pulled back in a bun. She's wearing a black sleeveless dress. A white coffee cup sits to her. She's holding a pen and looking at the man to her left. This man is white and has short grey hair. He is wearing a white, long-sleeve button-up shirt and a red tie. He is talking to the man in front of him. This man is white with short salt-and-pepper hair. He is wearing a white long-sleeve button-up shirt. A laptop and some papers are in front of him. His back is to us. There is a tree in the corner of the office and a table with empty white coffee mugs stacked on top of each other. Large windows are behind the woman and man.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to include deferred compensation in your wealth strategy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#website\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/\",\"name\":\"RBC Wealth Management\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#organization\",\"name\":\"RBC Wealth Management\",\"alternateName\":\"RBC Wealth Management\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2023\/02\/rbc.png\",\"contentUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2023\/02\/rbc.png\",\"width\":3000,\"height\":2000,\"caption\":\"RBC Wealth Management\"},\"image\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/person\/c2bb0a72d12219d75bf7f724d256ed9c\",\"name\":\"chloetejada\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0b3dde7a1d86146de8471500a717b01fe28aa3a67f2ccf8021ba2d1a62ea01df?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0b3dde7a1d86146de8471500a717b01fe28aa3a67f2ccf8021ba2d1a62ea01df?s=96&d=mm&r=g\",\"caption\":\"chloetejada\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to include deferred compensation in your wealth strategy","description":"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy","og_locale":"en_GB","og_type":"article","og_title":"How to include deferred compensation in your wealth strategy","og_description":"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?","og_url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy","og_site_name":"RBC Wealth Management","article_published_time":"2025-02-13T23:39:16+00:00","article_modified_time":"2026-03-20T14:07:28+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/scl-Deferred-compensation-in-your-wealth-strategy-UK-hor.jpg","type":"image\/jpeg"}],"author":"chloetejada","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#article","isPartOf":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy"},"author":{"name":"chloetejada","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/person\/c2bb0a72d12219d75bf7f724d256ed9c"},"headline":"How to include deferred compensation in your wealth strategy","datePublished":"2025-02-13T23:39:16+00:00","dateModified":"2026-03-20T14:07:28+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy"},"wordCount":1375,"publisher":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#organization"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg","keywords":["deferred compensation","restricted stock units","RSUs","tax strategies","wealth planning","wealth strategies"],"articleSection":["Tax strategies","Wealth planning"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy","url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy","name":"How to include deferred compensation in your wealth strategy","isPartOf":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg","datePublished":"2025-02-13T23:39:16+00:00","dateModified":"2026-03-20T14:07:28+00:00","description":"Restricted stock units can play a valuable role in wealth and retirement planning \u2013 but how do you make the most of them?","breadcrumb":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#primaryimage","url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg","contentUrl":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg","width":3210,"height":2140,"caption":"Three people-two men and a woman-are sitting at a table in an office meeting room. The woman is Black and has black hair that's pulled back in a bun. She's wearing a black sleeveless dress. A white coffee cup sits to her. She's holding a pen and looking at the man to her left. This man is white and has short grey hair. He is wearing a white, long-sleeve button-up shirt and a red tie. He is talking to the man in front of him. This man is white with short salt-and-pepper hair. He is wearing a white long-sleeve button-up shirt. A laptop and some papers are in front of him. His back is to us. There is a tree in the corner of the office and a table with empty white coffee mugs stacked on top of each other. Large windows are behind the woman and man."},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/"},{"@type":"ListItem","position":2,"name":"How to include deferred compensation in your wealth strategy"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#website","url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/","name":"RBC Wealth Management","description":"","publisher":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#organization","name":"RBC Wealth Management","alternateName":"RBC Wealth Management","url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/logo\/image\/","url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2023\/02\/rbc.png","contentUrl":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2023\/02\/rbc.png","width":3000,"height":2000,"caption":"RBC Wealth Management"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/person\/c2bb0a72d12219d75bf7f724d256ed9c","name":"chloetejada","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0b3dde7a1d86146de8471500a717b01fe28aa3a67f2ccf8021ba2d1a62ea01df?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0b3dde7a1d86146de8471500a717b01fe28aa3a67f2ccf8021ba2d1a62ea01df?s=96&d=mm&r=g","caption":"chloetejada"}}]}},"jetpack_featured_media_url":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2025\/02\/corporate-senior-executives-meeting-in-boardroom-3210x2140-1.jpg","jetpack_sharing_enabled":true,"publishpress_future_action":{"enabled":false,"date":"2026-04-16 05:26:35","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"RBC Wealth Management","distributor_original_site_url":"https:\/\/www.rbcwealthmanagement.com\/en-eu","push-errors":false,"last_revision_date":"2026-03-20 14:07:27","_links":{"self":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/posts\/16689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/comments?post=16689"}],"version-history":[{"count":4,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/posts\/16689\/revisions"}],"predecessor-version":[{"id":19289,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/posts\/16689\/revisions\/19289"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_cta\/8231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/media\/16701"}],"wp:attachment":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/media?parent=16689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/categories?post=16689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/tags?post=16689"},{"taxonomy":"rbcwm_content_owner","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_content_owner?post=16689"},{"taxonomy":"rbcwm_need","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_need?post=16689"},{"taxonomy":"rbcwm_segment","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_segment?post=16689"},{"taxonomy":"rbcwm_solution","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_solution?post=16689"},{"taxonomy":"rbcwm_topic","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_topic?post=16689"},{"taxonomy":"rbcwm_channel","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_channel?post=16689"},{"taxonomy":"rbcwm_format","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-json\/wp\/v2\/rbcwm_format?post=16689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}