Your NVIDIA Equity Is Powerful. Do You Have a Plan for It?
Between quarterly RSU vesting, ESPP, and the mega backdoor Roth, your compensation is one of the most generous in tech. It is also one of the most complex. We help NVIDIA employees turn equity into lasting wealth.
Book a No-Obligation CallTrue Root Financial is a fee-only fiduciary advisor in San Francisco, CA. We do not sell products or earn commissions.
Sound Familiar?
These are the questions NVIDIA employees bring to us every week. If any of them resonate, you are not alone.
Most of my net worth is in NVDA stock
Your RSUs have appreciated enormously. But 60%+ of your wealth in one stock is a risk, not a strategy. You know you should diversify, but the tax bill stops you cold.
I owe more taxes than I expected
The default 22% withholding on RSUs is not enough. Your actual rate in California is closer to 50%. Every April brings a surprise bill that could have been planned for.
I need cash but selling triggers huge taxes
A home down payment in the Bay Area, college tuition, a renovation. You have the wealth on paper, but accessing it means a six-figure tax bill.
I regret not selling when the stock was higher
The stock was at its highs. You were going to sell. But you held. Now it is lower and you are stuck between selling at a loss and hoping for recovery.
My advisor just put me in a model portfolio
They ran a risk tolerance questionnaire and gave you the same allocation as everyone else. No tax strategy, no equity comp expertise, no proactive ideas.
Retirement is 5 to 7 years away and I have no plan
College costs for your kids and retirement planning are colliding. You need a coordinated strategy, not a spreadsheet you update on Sunday nights.
We Know Your NVIDIA Benefits Inside and Out
We work with NVIDIA employees every day. We understand the details of your compensation structure and how to optimize each component.
Restricted Stock Units (RSUs)
Quarterly vesting in March, June, September, and December. Taxed as ordinary income at vest.
Employee Stock Purchase Plan (ESPP)
15% discount with a 2-year lookback provision. One of the most valuable ESPPs in the industry.
401(k) with Mega Backdoor Roth
100% match on the first $6,000. 50% on the next $11,000. Includes mega backdoor Roth capability.
Annual Bonuses and Refreshers
Performance-based bonuses and RSU refresh grants add complexity to your tax picture every year.
Advanced Strategies Your Current Advisor Probably Has Not Mentioned
We go beyond "sell and diversify." These are the tools that make a real difference for NVIDIA employees with $3M+ in concentrated stock.
Cashless Collars for Downside Protection
If you are bullish on NVDA long-term but cannot afford a 40% drawdown, a collar sets a floor below which the stock cannot hurt you and a ceiling where you cap some upside. No cash out of pocket. No shares sold. No taxes triggered. You stay invested while sleeping at night.
Protects without sellingSecurities-Based Lending for Liquidity
Need $500K for a home down payment in Palo Alto or college tuition? Borrow against your NVDA holdings at rates comparable to a mortgage. No shares sold. No capital gains triggered. You get cash now and defer the tax event to a lower-income year.
Cash without sellingTax-Efficient Phased Diversification with Direct Indexing
Instead of selling everything at once, we spread sales across tax years to stay in lower brackets. Direct indexing creates hundreds of individual tax lots that generate losses to offset your gains. This can save tens of thousands compared to a simple index fund approach.
Reduces tax dragStructured Sales with Disciplined Exit Plans
We build rules-based selling plans with predetermined triggers so you never say "I should have sold." A collar protects the downside while the plan executes automatically over 12 to 18 months. No more emotional decisions quarter by quarter.
Prevents regretMega Backdoor Roth Optimization
NVIDIA's 401(k) allows after-tax contributions converted to Roth. We coordinate this with your RSU sales and ESPP proceeds to maximize tax-free growth. At California tax rates, this is one of the highest-impact strategies available to you.
Tax-free growth130/30 Long-Short Strategy for Tax-Efficient Diversification
If you are sitting on millions in unrealized gains and the tax bill on selling feels paralyzing, this strategy may be the answer. A 130/30 portfolio takes long positions in diversified holdings while using short positions to hedge your concentrated stock exposure. The result is meaningful diversification with significantly less tax impact than a traditional sale. This is a complex, institutional-grade strategy. It is not right for everyone. But for NVIDIA employees with multi-million dollar gains who want to diversify without triggering a massive tax event, it can be transformative.
Diversify with minimal tax impactWhat This Looks Like in Practice
An anonymized case study from a real client engagement.
A senior engineer with $6M+ in concentrated stock and two kids heading to college.
He had been at his company for 8 years. His RSUs had appreciated enormously, but 72% of his net worth was in a single stock. He needed $400K for college tuition over the next 4 years. His retirement target was 5 years away. His previous advisor had him in a model portfolio with no tax strategy and no plan for the concentration.
Here is what we built together:
We placed a cashless collar on the core position to protect against a major drawdown. We used securities-based lending to fund the first year of college without selling shares or triggering taxes. We built a phased diversification plan, selling a predetermined amount each quarter coordinated with his RSU vesting to stay in the lowest possible tax brackets. We maxed the mega backdoor Roth every year. We coordinated quarterly with his CPA.
Meet Roshani Pandey, Your Advisor
I started my career at Goldman Sachs and later worked at BlackRock advising families whose wealth had lasted for seven or eight generations. I saw what well-structured wealth looks like. The disciplined risk management, the proactive tax planning, the integrated systems where everything works together.
I founded True Root Financial to bring that same institutional-level strategy to tech professionals in the San Francisco Bay Area who are building wealth in real time. Not inheriting it.
Risk reduction without disruption. Diversify thoughtfully, not reactively.
Tax awareness as a core discipline. Taxes are central to every strategy.
Integrated simplicity. Investments, equity, estate, and life transitions working together.
"Money is simply a tool. The real goals are control over your time, security for your family, and the freedom to choose what comes next."
Why NVIDIA Employees Choose True Root
What our clients tell us about working with us.
We bring you ideas
"The reason I work with you is that you bring me ideas I would not have found on my own. With my last advisor, every idea came from me."
We know you personally
"You really know us. The solutions are designed for us, not everyone. It is not a cookie-cutter approach."
We work with both partners
Financial decisions affect both partners. We engage both voices in every meeting because the best plans are built together.
