--- title: "Figma IPO Tax Guide: RSUs, ISOs, and Equity Planning for Employees" description: Figma is going public—are your RSUs, ISOs, and phantom shares ready? Learn how to prepare for IPO taxes, avoid AMT, and build a smarter post-IPO equity strategy. image: https://vipwealthadvisors.com/hubfs/figma-ipo-equity-tax-guide.jpg --- [![VIP Wealth Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png?width=334&height=80&name=VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png "VIP Wealth Advisors")](https://vipwealthadvisors.com) - [Services](https://vipwealthadvisors.com/services) - [Financial Planning](https://vipwealthadvisors.com/financial-planning) - [Tax Planning](https://vipwealthadvisors.com/tax-planning) - [Investment Management](https://vipwealthadvisors.com/investment-management) - [Estate Planning](https://vipwealthadvisors.com/estate-planning) - [Stock Options](https://vipwealthadvisors.com/stock-option-exercise-strategies) - [Budgeting & Cash Flow Analysis](https://vipwealthadvisors.com/budgeting-cash-flow-analysis) - [Insurance Review & Recommendations](https://vipwealthadvisors.com/insurance-review) - [Retirement Planning](https://vipwealthadvisors.com/retirement-planning) - [Education Planning](https://vipwealthadvisors.com/education-planning) - [Cryptocurrency](https://vipwealthadvisors.com/cryptocurrency) - [Home Purchase & Income Properties](https://vipwealthadvisors.com/income-property-home-purchase) - [Hourly Support](https://vipwealthadvisors.com/hourly-support) - [Pricing](https://vipwealthadvisors.com/pricing) - [About](https://vipwealthadvisors.com/about) - [How it Works](https://vipwealthadvisors.com/how-it-works) - [Investment Philosophy](https://vipwealthadvisors.com/insights/investment-strategy) - [Press](https://vipwealthadvisors.com/press) - [Professional Affiliations](https://vipwealthadvisors.com/professional-affiliations) - [Credentials](https://vipwealthadvisors.com/cfp-designations) - [What VIP Really Means](https://vipwealthadvisors.com/insights/story-behind-vip-wealth-advisors) - [Insights](https://vipwealthadvisors.com/media-hub) - [Articles](https://vipwealthadvisors.com/insights) - [Videos](https://www.youtube.com/@MarkThePrivateCFO) - [Contact](https://vipwealthadvisors.com/contact) - [Client Portal](https://vipwealthadvisors.com/client-portal) Hit enter to search or ESC to close [.](https://vipwealthadvisors.com/client-portal) Hit enter to search or ESC to close 1. [Home](https://vipwealthadvisors.com/) 2. [insights](https://vipwealthadvisors.com/insights) 3. figma ipo equity tax guide July 23, 2025 [Mark Stancato, CFP®, EA, ECA, CRPS®](https://vipwealthadvisors.com/insights/author/mark-stancato-cfp) # Figma IPO: How to Prepare for the Biggest Financial Event of Your Career ![Digital illustration showing IPO stock chart, RSU tax documents, and equity compensation planning checklist](https://vipwealthadvisors.com/hubfs/figma-ipo-equity-tax-guide.jpg) Share this post: - - - ##### Share - - - If you work at Figma and hold equity, the upcoming IPO isn’t just company news; it’s a life-altering financial moment. One that could turn your paper gains into real dollars… and real tax bills. Whether you hold RSUs, stock options, or early-exercised shares, this is your opportunity —but only if you plan correctly. At **VIP Wealth Advisors**, we specialize in helping tech professionals at pre-IPO and newly public companies, such as Figma, navigate this complex transition with precision and expertise. In this guide, we'll walk you through what to expect, what mistakes to avoid, and how to strategically map out your next moves. #### 📌 Table of Contents 1. [What Figma’s IPO Means for You](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#1) 2. [Know Your Equity: RSUs, ISOs, NSOs, and Early Exercises](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#2) 3. [The Tax Traps Most Employees Miss](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#3) 4. [The Timing Game: Lockups, Liquidity, and Vesting Schedules](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#4) 5. [Should You Sell Immediately or Hold?](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#5) 6. [What to Do Now (Not Later)](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#6) 7. [Why DIY Planning Is Risky](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#7) 8. [How We Help Pre-IPO Employees Build a Tax-Smart Strategy](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#8)   ### What Figma’s IPO Means for You Figma has officially filed its S-1 and is expected to go public on the NYSE under ticker "FIG" by late July or early August 2025. The IPO could value the company as high as $16.4 billion, with co-founder Dylan Field personally selling over $65 million worth of shares. If you've been granted equity at any point—whether RSUs, ISOs, NSOs, or even SAFE/seed shares—this event could create liquidity, tax exposure, and wealth… all at once. This is your chance to turn your compensation into generational wealth—if you play it smart.   ### Know Your Equity: RSUs, ISOs, NSOs, and Early Exercises Before you can plan, you need to understand what you actually own. - **[RSUs](https://vipwealthadvisors.com/insights/blog/navigating-the-complexities-of-restricted-stock-units-rsus) (Restricted Stock Units)**: Taxed as ordinary income at vesting, typically triggered by the IPO ("double-trigger" RSUs). - **ISOs (Incentive Stock Options)**: Can qualify for favorable long-term capital gains treatment—but watch out for AMT (Alternative Minimum Tax). - **NSOs (Non-Qualified Stock Options)**: Taxed at exercise as ordinary income on the spread. - **Early Exercised Shares**: These may qualify for QSBS (Qualified Small Business Stock) treatment if you filed your 83(b) election on time. Figma employees may hold a mix of these. Each has drastically different tax implications—and timing matters.   ### The Tax Traps Most Employees Miss This is where most tech professionals often fall short. ❌ **Mistake #1:** Selling RSUs Without Planning for Withholding Gaps When RSUs vest, the company usually withholds 22%–37% in taxes. But if you're in a higher bracket (which many Figma employees are), you may owe more than what was withheld—sometimes by tens of thousands. ❌ **Mistake #2:** Triggering AMT on ISO Exercises ISOs are stealthy. They don’t create regular tax liability at exercise, but they do create [AMT liability](https://vipwealthadvisors.com/insights/iso-amt-credit-recovery). In 2025, proposed tax reforms are expected to change how the AMT applies. One misstep, and you could owe five figures with no liquidity to pay it. ❌ **Mistake #3:** Ignoring QSBS Eligibility If you’ve held shares for five years and they meet specific criteria, you may be able to exclude up to $10M in gains from federal tax. However, if you sell too early or fail to track holding periods, you may forfeit this significant benefit.   ### The Timing Game: Lockups, Liquidity, and Vesting Schedules Even if Figma prices this month, your liquidity may be delayed: - **Lock-up period:** Typically 180 days following the IPO. You may not be able to sell immediately. - **Double-trigger RSUs:** Many RSUs granted before an IPO require a second trigger (such as the IPO) and vest over time. - **Liquidity events:** Internal tenders or secondary sales may happen—but often only for accredited investors and under specific terms. Planning around when you can sell is just as important as deciding whether to sell.   ### Should You Sell Immediately or Hold? This is the million-dollar question—literally. **Reasons to Consider Selling:** - You need [cash for taxes](https://vipwealthadvisors.com/insights/how-can-i-minimize-taxes-on-my-rsus-and-stock-options) - You’re overconcentrated in Figma stock - You want to diversify and reduce risk - You’re eligible for QSBS treatment now **Reasons to Consider Holding:** - Long-term belief in Figma’s growth - Qualified for long-term capital gains (1+ year holding) - Strategic tax deferral There’s no one-size-fits-all answer, but there is a correct answer for your specific situation. And [we help clients model it out](https://vipwealthadvisors.com/tax-planning) in detail.   ### What to Do Now (Not Later) Time is your biggest asset—or your most significant liability. Here’s what to do now: ✅ **Pull your equity grant documentation** and review vesting, type, and quantity ✅ **Run tax projections** for 2025 based on potential liquidity and exercise strategies ✅ **Model AMT exposure** and plan for Form 6251 and 8801 ✅ **Identify QSBS eligibility** and track holding periods ✅ **Review your 83(b) election history**, if applicable ✅ **Coordinate with your spouse or partner** if filing jointly—your tax bracket matters ✅ **Explore charitable giving** to offset gains (DAFs, [CRUTs](https://vipwealthadvisors.com/insights/charitable-remainder-trust-concentrated-stock), appreciated shares)   ### Why DIY Planning Is Risky Here’s the brutal truth: Most CPAs don’t understand equity comp. And most financial advisors don’t do taxes. We’ve reviewed hundreds of tax returns from Big Tech employees with glaring errors—overpaid taxes, missed AMT credits, forfeited QSBS benefits, and worse. Your financial future is too important to leave to generic software or advisors who treat equity like an afterthought. At **VIP Wealth Advisors**, we’re credentialed tax professionals and [fiduciary financial planners](https://vipwealthadvisors.com/professional-affiliations). We combine both to give you a strategy that’s: - Tax-smart - Investment-aligned - Legally optimized - Customized to your goals   ### How We Help You Build a Tax-Smart Strategy We offer a limited number of Pre-IPO Equity Strategy Sessions for employees preparing for liquidity events, such as this one. **Here’s what we cover:** - Equity grant analysis and tax classification - IPO timing scenarios and sale strategies - AMT and Form 6251 projections - QSBS qualification and exit planning - Custom liquidity roadmap based on your financial goals We don’t just hand you a strategy and wish you luck. At VIP Wealth Advisors, we handle your tax planning and tax preparation in-house—so there’s no disconnect between your financial plan and your tax return. We also coordinate with your estate attorney and manage your investment accounts directly, ensuring every part of your financial life is working in sync. ### This Isn’t Just an IPO—It’s a Wealth Creation Moment Figma’s IPO could be the most financially critical moment of your life. But without a clear strategy, it could also lead to: - Surprise six-figure tax bills - Missed wealth-building opportunities - A portfolio dangerously overconcentrated in one company The smartest employees will act before the IPO, not after. That’s how real wealth is built—quietly, strategically, and intentionally. Don’t just cross your fingers and hope it works out. Plan for it. And if you want help, we’re here to guide you through every step! ### 💼 Preparing for a Liquidity Event? If you're an employee approaching IPO or planning to sell your equity, now is the time to build your strategy. At **VIP Wealth Advisors**, we specialize in helping tech professionals with complex equity, tax, and investment decisions before and after an IPO. From QSBS to AMT, we've got you covered. 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He specializes in tax strategy, equity compensation, and multi-stream income planning—offering white-glove guidance and highly personalized financial solutions. #### RELATED POSTS [![Illustration of Anthropic employee equity planning highlighting RSUs, taxes, IPO preparation, and financial decision-making before a liquidity event.](https://vipwealthadvisors.com/hubfs/anthropic-employee-equity-rsus-stock-options-ipo-planning-featured-.png)](https://vipwealthadvisors.com/insights/anthropic-employee-equity-stock-options-rsus-ipo-planning) ## [Anthropic Employee Equity: Stock Options, RSUs & IPO Planning](https://vipwealthadvisors.com/insights/anthropic-employee-equity-stock-options-rsus-ipo-planning) [Learn More](https://vipwealthadvisors.com/insights/anthropic-employee-equity-stock-options-rsus-ipo-planning) [![Cerebras Pre-IPO Playbook for stock options, RSUs, and IPO financial planning](https://vipwealthadvisors.com/hubfs/cerebras-pre-ipo-playbook.jpg)](https://vipwealthadvisors.com/insights/cerebras-ipo-employee-equity-guide) ## [Cerebras IPO: What Employees Must Know About Equity Before Going Public](https://vipwealthadvisors.com/insights/cerebras-ipo-employee-equity-guide) [Learn More](https://vipwealthadvisors.com/insights/cerebras-ipo-employee-equity-guide) [![A professional stands at a crossroads labeled RSUs, Stock Options, and Taxes, looking toward a glowing IPO sign with a subtle OpenAI logo in the background.](https://vipwealthadvisors.com/hubfs/navigating-openai-ipo-rsus-stock-options-taxes.jpg)](https://vipwealthadvisors.com/insights/openai-ipo-rsu-options-tax-planning) ## [OpenAI IPO Planning: RSUs, Options, Taxes, and Strategy](https://vipwealthadvisors.com/insights/openai-ipo-rsu-options-tax-planning) [Learn More](https://vipwealthadvisors.com/insights/openai-ipo-rsu-options-tax-planning) Insights Via Email ## VIP Financial Insights Subscribe to our Financial Insights alerts and be notified by email as soon as new articles are published. ### Subscribe Here! 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[↑](https://vipwealthadvisors.com/insights/figma-ipo-equity-tax-guide#top) [![Financial Planning Association](https://vipwealthadvisors.com/hs-fs/hubfs/FPA-logo.png?width=189&height=100&name=FPA-logo.png "Financial Planning Association")](https://vipwealthadvisors.com/professional-affiliations) [![XY Planning Network](https://vipwealthadvisors.com/hs-fs/hubfs/XY_Planning_Network.png?width=189&height=100&name=XY_Planning_Network.png "XY Planning Network")](https://vipwealthadvisors.com/professional-affiliations) [![NAPFA National Association of Personal Financial Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/NAPFA.png?width=189&height=100&name=NAPFA.png "NAPFA National Association of Personal Financial Advisors")](https://vipwealthadvisors.com/professional-affiliations) [![Fee Only Network Member](https://vipwealthadvisors.com/hs-fs/hubfs/Fee-Only-Network-3.png?width=189&height=100&name=Fee-Only-Network-3.png "Fee Only Network Member")](https://vipwealthadvisors.com/professional-affiliations) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Mark Stancato, CFP®, EA, ECA, CRPS®", "sameAs" : [ "https://www.tiktok.com/@marktheprivatecfo", "https://www.youtube.com/@MarkThePrivateCFO", "https://www.instagram.com/marktheprivatecfo/", "https://www.linkedin.com/in/markstancato/", "https://www.facebook.com/marktheprivatecfo/" ], "url" : "https://vipwealthadvisors.com" }, "dateModified" : "2025-07-23T08:00:00-05:00", "datePublished" : "2025-07-23T08:00:00-05:00", "description" : "Figma is going public—are your RSUs, ISOs, and phantom shares ready? 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You'll owe ordinary income tax based on the IPO price—even if you can't sell yet." }, "name" : "What happens to my RSUs when Figma goes public?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes, exercising Incentive Stock Options (ISOs) after an IPO may trigger Alternative Minimum Tax (AMT) based on the spread between your exercise price and the market price." }, "name" : "Do I owe AMT if I exercise ISOs after the Figma IPO?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Most employees are subject to a 180-day lock-up period after the IPO, during which they cannot sell their shares. Planning for taxes in advance is critical." }, "name" : "What is the lock-up period for Figma employees after the IPO?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Potentially. If you acquired early shares and held them for 5+ years, and they meet other IRS requirements, you may qualify for the QSBS gain exclusion up to $10M." }, "name" : "Can Figma shares qualify for QSBS treatment?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "That depends on your tax bracket, liquidity needs, risk tolerance, and QSBS eligibility. Many employees sell some shares to cover taxes, but a strategic sale plan is best." }, "name" : "Should I sell my shares right after the Figma IPO?" } ] } ```