Important Apple Benefit Plan Features and Dates

Apple offers generous benefits that can help you build long-term financial security. Here are some key features and deadlines to keep in mind:

 

    • Vesting Frequency: Every six months (semiannually).

    • Vesting Dates: Typically, on the 15th of the month.

    • Vesting Timeline: Over four years, with 12.5% of the total RSU grant vesting every six months.

    • Example: If your RSU grant date is June 15, your first vesting will occur on December 15, and continue every six months thereafter until fully vested.

    • Offers 15% purchase price discount.

    • Includes lookback pricing.

    • Provides six-month offering periods.

    • Starts offering periods on:

      • February 1

      • August 1

  • Annual bonuses are typically paid in October.

    • Company matching contribution:

      • 50% match for employees with less than 2 years of service.

      • 75% match for 2-5 years of service.

      • 100% match for more than 5 years of service, up to 6% of compensation.

    • Includes mega backdoor Roth features (after-tax contributions + in-plan Roth conversion)

    • Frequency: Annually.

 

Simplify Your Compensation & Benefit Decisions

Apple’s compensation and benefits provide valuable opportunities but managing them can be complex. Here’s how we help you take control:

 
 
 

Develop a plan that aligns your RSUs, ESPP, and bonuses with your goals

 
 

Balance saving for the future while enjoying your life today

 
 

Maximize your 401(k) contributions for long-term success

 
 

Choose the right time to sell stock to minimize taxes and build wealth

 
 

Stay on top of vesting schedules and ESPP periods so nothing is missed

 
 

Create a personalized strategy for bonuses and RSUs that works for you

 

Have a Plan for Your Entire Financial Picture

Apple’s benefits are just one part of your financial picture. By addressing everything together, you can feel more confident about your decisions and future. We help you with:

 
 

Cash Flow & Budgeting

Stay in control of your income and spending while saving for what matters.

Investment Strategy

Grow wealth with a plan designed for your unique goals.

Tax Planning

Avoid surprises and lower your tax burden with proactive planning.

Retirement Planning

Prepare for the future you want with a clear strategy based on your timeline.

Debt Management

Use debt effectively while reducing unnecessary balances.

Estate Planning

Create a plan to safeguard your family’s future and reflect your priorities.

Risk Management

Protect what you’ve built with insurance recommendations tailored to your needs.

 

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Be in Control of Your Future

Use your Apple compensation and benefits to build wealth and prepare for a future on your terms. Schedule a call today to see how we can help.