For SpaceX Employees in Central Texas  ·  Financial planning during the lock up window
A SpaceX rocket arcing into the night sky over the coast

Build a Plan for Your SpaceX Equity Before Mid December.

Your shares are worth real money now. The next few months are when the decisions get made: what to sell, when to sell, and how to handle the taxes. A little planning now goes a long way.

Book a Call → Get the Free Planning Guide

The IPO Is Done. The Planning Opportunity Isn't.

A lock-up keeps new shares from all hitting the market at once. For SpaceX, it happens in steps: you can sell some shares on a set schedule, and the rest frees up by mid-December. Each step is a decision, and they go better with a plan already in place.

What to Decide Before December.

There are two layers to this. A handful of steps make sense for just about everyone. After that, the right move depends on you: your goals, the kind of shares you have, and your tax situation.

First, what almost everyone should do.

  • Know exactly what you own. List every batch of shares: what kind they are, when they vested, what you paid, and when you're allowed to sell.
  • Know what you can actually sell. "Unlocked" doesn't always mean "sell it today." There are set windows and rules for when you can sell.
  • Decide what the money is for. A house? Retiring early? Helping family? Less riding on one stock? The goal drives every other choice.
  • Don't keep too much in one stock. Even a great company is risky if it's most of what you own. Decide how much should stay in SpaceX.
  • Plan for the tax bill. Selling usually means taxes. Get a rough idea of what you'll owe, and set it aside before you spend the rest.
  • Write down your plan. A simple plan made now beats a rushed call when the stock is jumping and everyone at work is talking about it.

Then, what depends on you.

  • Buying a house. Keep that money safe and ready. A down payment shouldn't ride on the stock price.
  • Retiring early or cutting back. Turn some stock into savings you can count on, even in a bad year for SpaceX.
  • Too much riding on SpaceX. Sell a bit at a time as shares free up, instead of an all-or-nothing call.
  • You have stock options. When you exercise and sell changes your tax bill. Worth getting right, not guessing.
  • You give to charity. Giving shares instead of cash can stretch your gift further, if you were already planning to give.
  • Passing money to family. A big position can mean planning ahead for kids or heirs, before a sale, not after.
  • Your job has extra trading rules. Some roles limit when and how you can sell. Sort that out first.
  • You moved to Texas from another state. The state you left may still want tax on shares you earned there.
  • You want to keep some for the upside. Totally fine, as long as it's a real choice and not just leaving it because it's there.
A SpaceX rocket launching

This Is for SpaceX Employees Who…

  • Have SpaceX shares (RSUs, ESPP, or options) that add up to real money
  • Aren't sure what to sell, or when, as your shares free up
  • Are worried about the tax bill when you sell
  • Have heard taxes get complicated with stock, but aren't sure what applies to you
  • Don't want one rushed December decision to undo a good year
  • Would rather have a plan than a guess

Why Start Now?

Some tax moves only work if you set them up before the end of the year. Wait too long and those options are gone. Give yourself time to make calm decisions instead of rushed ones.

Book a Call →

Who We Are.

Winnacle Wealth is an independent, fee-based financial advisor in Waco, Texas. We help individuals, families, and couples make the big money decisions, including what to do with stock you've earned at work.

Chad Castle, RICP®, ChFC®

Chad Castle, RICP®, ChFC®

Co-Founder, Winnacle Wealth

Chad has served families in financial services since 1995. His work is built around simple, efficient, and transparent planning that helps clients make wise decisions for retirement, family, legacy, and the life they want to build.

Jessica Burch, MBA, CFP®

Jessica Burch, MBA, CFP®

Co-Founder, Winnacle Wealth

Jessica helps individuals and families navigate the financial decisions that come with retirement, life transitions, and building a lasting legacy. She combines technical expertise with a thoughtful, relationship-driven approach, helping clients gain clarity, confidence, and peace of mind.

Most of Our Clients Meet Us in a Classroom First.

We teach free classes, no pressure and no sales pitch. These SpaceX workshops bring that same approach to your equity.

Understanding Your SpaceX Equity

A free, in-person workshop for SpaceX employees. We keep it simple, with plenty of time for your questions.

  • RSUs, ESPP, and stock options, in plain terms
  • Where the taxes come in, and what to plan for
  • What to decide before the December unlock
  • A free, personalized analysis of your own grants, prepared by a CFP®

Free  ·  In-person  ·  Central Texas  ·  No sales pitch

Registration opens soon

The right approach always depends on your goals.

Selling without a plan can mean a surprise tax bill, or too much money left in one stock. Let's talk it through.

Book a Call → Or get the guide first