Sell Marsh McLennan (MRSH) stock to fund a goal
Calculator · free · no signup · MRSHNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Marsh McLennan (MRSH) shares and net a target amount by a target date, across tax years.
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Inputs
Your equity
One stack per ticker (current-employer RSUs, prior-employer holdings, index fund, etc.). Each stack has its own current price, growth assumption, and cost-basis lots.
Drives chance-of-shortfall · default 30%
Lots
Plan
Estimates only. Not financial advice.
Lock-in-now is deterministic (0%). Plans that wait depend on future prices; risk is near-zero when inventory comfortably exceeds the goal. Volatility: each stack's option-implied vol if a ticker is set, otherwise 30%. Lognormal model; real markets have fatter tails.
| Tax | $109,654 | $111,723 | $111,788 | $118,699 |
| Wealth @ target | $718,258 | $716,076 | $713,344 | $710,913 |
| Chance of shortfall | <0.1% | 0% | 1.7% | 3.3% |
Feasible
$400,027 net by 08/01/27
Total tax: $109,654 (federal $58,856, state $36,063, NIIT $14,736)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/26/26 | 4,088 | $351,349 | $360,067 | |
| 03/31/27 | 4 | $359 | $360,430 | |
| 04/30/27 | 32 | $2,891 | $363,340 | |
| 05/31/27 | 100 | $9,088 | $372,468 | |
| 06/30/27 | 100 | $9,141 | $381,631 | |
| 07/31/27 | 100 | $9,196 | $390,828 | |
| 08/01/27 | 100 | $9,199 | $400,027 |
Risk vs wealth
Each dot is a possible plan. Right is riskier, up is more wealth left over.
Trajectory of cash netted
Solid line = expected. Shaded band = 10th–90th percentile under price uncertainty.
After the plan
You keep 3,476 shares worth $410,758 at the projected target-date price, invested for the next decision.
You solved for a cash target. The beta optimizes your full portfolio across multiple goals and market scenarios, not just one funding need.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator · RSU Sell-vs-Hold Calculator
About Marsh McLennan
Marsh McLennan (MRSH) is a public Fintech company, incorporated in Delaware and headquartered in New York, NY.
Last close: $170.06 per share (as of 2026-10-03).
Equity grants at Marsh McLennan typically include restricted stock units (RSUs).
Marsh & McLennan Companies, Inc., trading as Marsh McLennan and Marsh, is an American professional services firm headquartered in New York City, with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, which offers risk management, insurance broking, insurance program management, risk consulting, analytical modeling, and alternative risk financing services; Marsh Re, a reinsurance intermediary and advisor; Mercer, which provides consulting to employers for health insurance, retirement plans, and pension plans; and Oliver Wyman, including Lippincott and NERA Economic Consulting, which provides consulting services. In 2024, risk and insurance services contributed a total of 63% of revenues and 71% of operating profit, while consulting contributed 37% of revenues and 29% of operating profit. It is the largest insurance broker worldwide.
Source: Wikipedia (CC BY-SA 4.0)
The company is the largest insurance broker in the world and also owns Mercer, Oliver Wyman, and the reinsurance broker Guy Carpenter, so about a third of revenue comes from consulting rather than broking. Brokers are paid to place risk without carrying it, which produces stable fee income across underwriting cycles. Consulting on retirement, health benefits, and strategy is sold to the same corporate buyers. Scale matters in reinsurance placement because it concentrates market information. Headquarters are in New York.
Sources: sec.gov · en.wikipedia.org
Equity comp at Marsh McLennan
- Marsh McLennan's equity plan (2020 Stock Incentive and Incentive Compensation Plan) uses double trigger change in control vesting: a change in control alone does not accelerate RSU or PSU vesting if the awards are assumed or replaced on equivalent terms by the acquirer. Accelerated vesting only occurs if, within 24 months after the change in control, the employee is terminated without cause or resigns for good reason. If awards are not assumed or replaced on an equivalent basis, they vest immediately upon the change in control.
- RSUs use double-trigger vesting. Two things must both happen before the shares are yours: (1) the normal time-based vesting completes, and (2) the company has a liquidity event (an IPO or an acquisition). Until both happen, you do not yet own the shares and you do not owe tax on them.
Researched 2026-08-24.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Marsh McLennan.
If you hold vested Marsh McLennan (MRSH) shares and need a set amount of cash by a date (a house down payment, tuition, a sabbatical, a business buy-in), the question is which lots to sell and in which tax years to keep the most after tax. This calculator builds the minimum-tax sell schedule across your lots, accounting for federal long-term capital gains, the net investment income tax, and your state.
Example: a 5,000-share MRSH position at $170.06 is worth $850,300. Say you need $150,000 of it for a house down payment by next spring. Selling enough shares all in one tax year can push the gain into the higher long-term capital-gains bracket and trigger the 3.8% net investment income tax; spreading the sale across two tax years often nets more. The calculator above finds the minimum-tax sell schedule across your specific lots, basis, goal, and date.
All Marsh McLennan tools → · Use the generic Stock Sale Funding Calculator for any company.
Marsh McLennan equity questions
- How much MRSH stock do I sell to fund a goal without overpaying tax?
- It depends on your cost basis, your target amount and date, and how the sale spreads across tax years. Selling vested MRSH shares triggers long-term capital-gains tax, plus the 3.8% net investment income tax and state tax above certain income, and bunching a large sale into one year can push the gain into a higher bracket. The calculator above builds the minimum-tax sell schedule across your lots to net your target amount by your date.
- Does Marsh McLennan grant ISOs, NSOs, or RSUs?
- Equity compensation at Marsh McLennan typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Marsh McLennan RSUs use double-trigger vesting?
- Yes. Marsh McLennan restricted stock units (RSUs) vest only when two things both happen: the time-based schedule completes, and the company has a liquidity event such as an initial public offering (IPO) or an acquisition. Until both occur you do not own the shares and owe no tax on them.
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