Your SpaceX equity may create more taxes than expected.
RSUs may create taxable income before shares can be sold, leading to unexpected tax exposure during the lockup period.
What’s Happening Now
SpaceX is targeting a June 2026 IPO, with employees expected to enter a 180-day lockup period extending through approximately December 2026.
Key Challenges
- RSUs vest on a time schedule, not tied to the IPO or lockup period
- The IRS taxes vested shares at full fair market value, even if shares cannot be sold
- SpaceX may withhold taxes at 22%, while professionals earning $300K+ may owe closer to 37% federally, plus state taxes
- The gap between withholding and actual liability may create significant cash obligations due by April 15, 2027
Your Greater ISO & Tax Exposure of Going Public
RSU Withholding Gap
Default withholding rates may not cover your actual federal and state tax liability.
ISO Liquidity & AMT Trap
Selling ISOs to cover your AMT bill can create an even larger tax obligation.
Concentration Risk
Your income and long-term wealth may become heavily tied to one company.
A Coordinated Tax & Wealth Strategy
At ClairFi, we combine tax, investment, and equity planning into one connected strategy.
Tax Strategy Coordination
Reduce tax exposure before liquidity events.
Tax-Loss Harvesting
Align tax-loss strategies with equity timing.
Alternative Investments
Access tax-efficient private investments.
10b5-1 Planning
Build structured pre-liquidity selling plans.
AMT Modeling
Evaluate scenarios to reduce AMT exposure.
Direct Indexing
Reduce exposure in concentrated stocks tax-efficiently.
Built for Complex Wealth Decisions
ClairFi is designed for high-income professionals managing equity compensation, business income, investments, and long-term wealth planning.
- Tax-first planning focused on reducing avoidable tax exposure
- Fiduciary guidance aligned with your long-term financial goals
- Built for professionals with complex income and equity structures
- Expertise across RSUs, ISOs, IPOs, and concentrated equity
- Access to vetted investment and tax-efficient planning strategies
- Coordinated wealth planning designed for long-term growth
The best planning window starts before liquidity arrives.
Schedule a private strategy session to review your equity exposure, model tax scenarios, and build a coordinated strategy before key vesting and lockup milestones.
ClairAlpha Advisors, LLC is a Registered Investment Adviser with the U.S. Securities and Exchange Commission. This page is for informational purposes only and does not constitute investment, tax, or legal advice. All strategies discussed are general in nature. Consult your personal tax advisor before implementation. All investments involve risk.