RTX & Corporate Stock Planning
RTX & Corporate Stock Planning
Your compensation is complicated. Your plan for it doesn't have to be.
We work with RTX employees across Pratt & Whitney, Collins Aerospace, and RTX Corporate, along with professionals at other large companies carrying RSUs, stock options, and company stock inside a 401(k). We are based right here in West Hartford, and we know this benefits landscape well.
Building the wealth was never the hard part
If your compensation includes restricted stock units, a 401(k) with a company stock match, or options that vest on their own schedule, a meaningful share of your future can end up riding on a single ticker without anyone quite deciding it should. That is not a mistake. It is what happens when good benefits accumulate without a plan built around them. The decisions get made for you unless you make them first.
We help you turn that compensation into a coordinated plan, one that accounts for concentration, taxes, and timing together, rather than treating each vesting date or contribution decision as its own separate event.
Where we go deep
Concentration risk
A paycheck, vested RSUs, and company stock inside your 401(k) can quietly add up to a large share of your net worth tied to one company. We build a measured, tax-aware plan for reducing that concentration over time, without reacting to a single headline or a single bad quarter.
RSU vesting and equity compensation
Every vesting date is a small decision point: hold, sell, or sell and redeploy. We put a framework in place in advance, so each new block of shares fits into a plan you already understand instead of becoming a fresh source of stress.
Company stock inside your 401(k)
There is a tax treatment called net unrealized appreciation that can apply to company stock held inside a 401(k), and it is easy to forfeit by accident with a routine rollover. We help you find out whether it applies to your situation before you move anything.
The mega backdoor Roth
Once you max out standard pre-tax and Roth contributions, many plans keep accepting after-tax dollars behind the scenes. Left alone, that money sits in one of the least efficient places your savings can be. Converted promptly, it can become one of the most valuable pieces of your retirement plan.
Estate planning benefits you may already have
Many large employers offer a legal services benefit that covers basic estate documents at low cost, and it often goes unused. We help you understand what your benefit covers and connect you with attorneys familiar with that network.
One team for planning and investing
A lot of advice in this space stops at the product. Someone sells a managed account or hands you a rollover proposal, and the planning never connects to the investing. We do both in-house. The plan informs how your money is managed, and the way it is managed reflects the plan. When you are juggling RSUs, a company match, and a concentration problem at the same time, having it all under one roof is the difference between scattered decisions and a coordinated one.
A standing invitation
We hold monthly office hours specifically for RTX employees, an informal chance to ask questions about your benefits, your stock, and your plan with no pressure to do anything afterward. Find the schedule and reserve a spot at bergenn.com/events.
Prefer to just talk things through? We are a local West Hartford firm and happy to do that too.
Schedule a ConsultationCommon questions from RTX employees
How much company stock is too much?
There is no single number that fits everyone. It depends on your total portfolio, your timeline, and your comfort with risk. We look at your full picture, including RSUs, 401(k) holdings, and any shares held outside your plan, before recommending a target.
Should I sell my RSUs as soon as they vest?
Often, yes, at least in part, since RSUs are already taxed as income at vesting and holding them adds concentration on top of taxes already paid. The right approach depends on your broader plan, which is why we build a framework in advance rather than deciding case by case.
Does net unrealized appreciation apply to me?
It depends on how your company stock is held inside your 401(k) and how you plan to take distributions. It does not fit everyone, and it is easy to lose the opportunity through a routine rollover, so it is worth reviewing before you move anything.
No Affiliation with RTX Corporation. Bergenn Financial Group, LLC is an independent financial services firm and is not affiliated with, endorsed by, sponsored by, or in any way officially connected to RTX Corporation (formerly Raytheon Technologies) or any of its subsidiaries, affiliates, or employee benefit plans. All RTX names, trademarks, and logos are the property of their respective owners. Any references to RTX or its employee benefits, including its 401(k) plan, restricted stock units (RSUs), company stock, or legal services benefit, are used solely for general educational and informational purposes to illustrate planning considerations that may be relevant to RTX employees. Nothing on this page constitutes or should be interpreted as a representation that RTX has reviewed, approved, endorsed, or recommended Bergenn Financial Group, LLC or its services. RTX employees should refer to their official plan documents and benefits administrator for authoritative information regarding their compensation and benefits.