Aon (AON) RSU sell-vs-hold
Calculator · free · no signup · AONSell at vest or hold? Compare after-tax payout from selling Aon RSUs at vest vs. holding through the LTCG cliff at 12 months.
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Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of AON today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in AON. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Aon
Aon (AON) is a public Fintech company, incorporated in Ireland and headquartered in Dublin 2, Ireland.
Last close: $269.45 per share (as of 2026-10-03).
Equity grants at Aon typically include restricted stock units (RSUs).
Aon plc is an international professional services firm. It has two divisions: Risk Capital, which provides brokerage and consulting services for risk management, insurance and reinsurance, and Human Capital, which provides services related to health insurance, retirement plans, pension plans, and talent advisory.
Source: Wikipedia (CC BY-SA 4.0)
The firm took its present shape through Patrick Ryan's 1982 combination of Ryan Insurance with Combined International, and it now brokers insurance and reinsurance and advises employers on benefits and pensions. Brokers earn commissions and fees without carrying underwriting risk, so results track commercial insurance pricing and client payrolls rather than claims experience. A move of legal domicile to Ireland in 2020 followed an earlier shift to London. Talent is the balance sheet in a business where client relationships travel with individual brokers. The company is incorporated in Ireland, with operations run from London.
Sources: sec.gov · en.wikipedia.org
Equity comp at Aon
- Aon's change-in-control arrangements use a double-trigger structure: RSU acceleration requires both a change in control of Aon AND a qualifying termination (involuntary termination without cause, or constructive termination) occurring in connection with or within two years following that change in control. A change in control alone, without a qualifying termination, does not automatically vest outstanding RSUs. None of the named executive officer agreements include excise tax gross-up protection under IRC Section 280G.
- 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.
- Vesting schedule: RSUs generally vest between three and five years (not the standard 4-year/1-year-cliff schedule); executive incentive-compensation RSUs have historically vested in three equal annual installments..
Sources: sec.gov · sec.gov · sec.gov · sec.gov · sec.gov
Researched 2026-08-20.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Aon.
Aon (AON) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Aon (AON) RSUs vesting at $269.45 per share is $134,725 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$43,112), the post-tax share value is ~$91,613. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Aon tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Aon equity questions
- Should I sell or hold my Aon RSUs at vest?
- Aon restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Aon grant ISOs, NSOs, or RSUs?
- Equity compensation at Aon typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Aon RSUs use double-trigger vesting?
- Yes. Aon 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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