Sell Willis Towers Watson (WTW) stock to fund a goal
Calculator · free · no signup · WTWNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Willis Towers Watson (WTW) 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 Willis Towers Watson
Willis Towers Watson (WTW) is a public Fintech company, incorporated in Ireland and headquartered in London England, United Kingdom.
Last close: $288.61 per share (as of 2026-10-03).
Equity grants at Willis Towers Watson typically include restricted stock units (RSUs).
Willis Towers Watson plc is a British-American multinational advisory, broking and solutions company. Its operations span commercial insurance brokerage and risk advisory, employee benefits and rewards consulting, retirement and actuarial services, and investment advice for pension funds and institutional investors.
Source: Wikipedia (CC BY-SA 4.0)
The 2016 merger of Willis Group and Towers Watson joined insurance broking with human-capital and actuarial consulting, and a later attempt to merge with Aon was abandoned under antitrust objection in 2021. Broking places commercial risk for fees; the consulting half advises on pensions, benefits design, and insurance-company actuarial work. Health and benefits consulting has grown with employer medical cost pressure. The company is incorporated in Ireland after the merger. Headquarters are in London.
Sources: sec.gov · en.wikipedia.org
Equity comp at Willis Towers Watson
- WTW uses a modified double-trigger structure for RSUs and PSUs (performance-based restricted share units) on a change in control. If the acquirer assumes or substitutes the awards, they keep vesting on the original schedule and only accelerate if the employee is also terminated without cause (or resigns for good reason) within a set window after the deal closes. If the acquirer does not assume or replace the awards, they vest immediately upon the change in control itself.
- 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 2026-08-27.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Willis Towers Watson.
If you hold vested Willis Towers Watson (WTW) 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 WTW position at $288.61 is worth $1,443,050. 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 Willis Towers Watson tools → · Use the generic Stock Sale Funding Calculator for any company.
Willis Towers Watson equity questions
- How much WTW 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 WTW 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 Willis Towers Watson grant ISOs, NSOs, or RSUs?
- Equity compensation at Willis Towers Watson typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Willis Towers Watson RSUs use double-trigger vesting?
- Yes. Willis Towers Watson 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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