How Google Employees are Paid
Think of the mix of salary, RSUs, and benefits that comprise your compensation as distinctive sources of wealth. Each has unique properties—advantages, as well as limitations—that enable you to achieve particular goals.
Google 401(k) Plan
Navigating Google’s 401(k) plan can be daunting, especially with the diverse options and features available. Our guide offers clear, useful tips for any Google employee looking to improve their current plans.
GSUs
One of the most compelling aspects of Google’s compensation packages is the awarding of Restricted Stock Units (RSUs)—or Google Stock Units (GSUs) as employees like to call them.
How We Help
A key aspect of our role is helping you understand your benefits at Google and how each is a vital tool in helping you reach your financial goals. From diversifying out of your GSUs to completing the mega backdoor Roth strategy to balancing the tax complexities in your life, our guidance ensures you’re making the most of your compensation package.
Navigating your benefits
Navigating your benefits
- What benefit elections should I be making?
- Should I be in a HDHP with an HSA or a PPO?
- Do I need voluntary life insurance or long-term disability?
Saving for retirement
Saving for retirement
- Am I on track for retirement?
- How much should I save into my 401(k)?
- How should I invest my 401(k)?
- Should I be saving outside my 401(k)?
Managing tax implications
Managing tax implications
- Should I make Traditional or Roth 401(k) contributions?
- What are the tax implications of RSUs?
- When should I diversify out of my RSUs?
Balancing cash flow needs
Balancing cash flow needs
- How should I balance my short-term and long-term goals?
- Should I max out my 401(k) via paycheck or bonus?
- How do I utilize RSUs to fund my goals?
Are You a Good Fit?
- You want to leverage your equity compensation to build wealth to support your goals
- You have little headspace to think about finances (but know it’s important)
- You want to optimize savings through the right types of investment accounts
- You believe that personal relationships can be the driver behind achieving financial goals
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Interested in working through your Google benefits with Commas?
FAQs
What are restricted stock units (RSUs)?
What tax implications come with my GSUs?
What risks should I be thinking about with my GSUs?
Should I sell my GSUs as soon as I can?
What is the Mega Backdoor Roth Strategy?
What is a Health Savings Account?
What is the difference between Traditional and Roth Contributions?
Let’s Get Started!
Step One: Introductory Meeting
In this non-committal meeting, find out if our services are right for you. This is a great time to let us know about your Google compensation package and if you have any specific financial goals.
Step Two: Sign Up
If you feel it’s a good fit, it’s time to sign on and begin the process towards achieving your financial goals. We’ll dive into your vision for the future and start working on a plan for you.
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Client Satisfaction
“I have really appreciated all the support and help. [My advisor’s] timeliness, professionalism, and approachability have helped me feel confident and informed in my financial decisions while still being early in my career.”
All scores based on input from 131 completed surveys from 889 invitations in July 2024. These testimonials were provided by current clients of Commas. These clients were not compensated for these testimonials. No materials of conflicts exist since these clients were not compensated nor do they receive any other benefit for providing this content.