Financial Planning for Nike Employees and Executives

Coordinate the award—not just the vesting date.

Traditional RSUs, Performance RSUs, PSUs, stock options, and ESPP shares can have different vesting schedules, tax consequences, expiration provisions, and treatment when employment ends. We begin grant by grant: what is vested, what remains conditional, what creates taxable income, and what may be affected by a separation or retirement.

We then coordinate those awards with cash-flow needs, existing Nike exposure, portfolio risk, charitable goals, and the employee’s broader financial plan. A decision that appears attractive when viewed in isolation can create unintended concentration or tax consequences elsewhere.

Build tax diversification before you need it.

The choice among pre-tax, Roth, after-tax, deferred compensation, and taxable investing does not have one universal answer. It depends on current and future tax rates, equity income, Oregon taxes, retirement distributions, liquidity needs, charitable giving, and the timing of other compensation.

The objective is to create flexibility across multiple accounts and future tax environments—not to rely on one savings method or one prediction about future tax rates.

Retirement eligibility does not make every Nike benefit behave the same way.

RSUs and stock options can receive very different treatment when a Nike employee retires or leaves. Retirement eligibility, grant date, vesting history, award type, and the controlling plan documents can all matter. A retirement date that works well for one benefit may reduce the value available from another.

Before selecting a departure date, we help coordinate equity awards, the Nike 401(k), potential NUA treatment, deferred-compensation distributions, employee benefits, cash flow, and the timing of taxable income.

Ten focused guides. One connected planning framework.

Our Nike Employee Planning Series examines ten important decisions:

Leaving Nike · The September 1 Equity Decision · The Nike ESPP Decision · The Nike 401(k) Decision · Nike Stock in the 401(k) and NUA · Deferred Compensation · Concentrated Nike Stock · Tax Diversification · Tax Withholding · Retirement Vesting

Each guide addresses a specific decision. Together, they demonstrate how equity, retirement, taxes, benefits, and career transitions interact—and why preserving flexibility is often more important than making an isolated decision too quickly.