Arthur J. Gallagher (AJG) RSU sell-vs-hold
Calculator · free · no signup · AJGSell at vest or hold? Compare after-tax payout from selling Arthur J. Gallagher RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
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 AJG today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in AJG. 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 Arthur J. Gallagher
Arthur J. Gallagher (AJG) is a public Fintech company, incorporated in Delaware and headquartered in Rolling Meadows, IL.
Last close: $248.36 per share (as of 2026-08-18).
Equity grants at Arthur J. Gallagher typically include restricted stock units (RSUs).
Arthur J. Gallagher & Co. (Gallagher) is an American insurance brokerage and risk management services company based in Rolling Meadows, Illinois, a suburb of Chicago. The company provides insurance brokerage services and risk management services, the latter of which primarily includes the processing of workers compensation and automobile insurance claims through the company's adjusters.
Source: Wikipedia (CC BY-SA 4.0)
Arthur J. Gallagher opened an insurance brokerage in Chicago in 1927, and the company has grown largely by acquiring small regional brokers and folding them into a common platform. That roll-up strategy is the operating model rather than an occasional event, with dozens of transactions in a typical year. Retail brokerage for mid-market commercial clients is the core, alongside risk-management services for self-insured employers. Organic growth tracks commercial insurance rates and client employment levels. Headquarters are in Rolling Meadows, Illinois.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Arthur J. Gallagher.
Arthur J. Gallagher (AJG) 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 Arthur J. Gallagher (AJG) RSUs vesting at $248.36 per share is $124,180 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$39,738), the post-tax share value is ~$84,442. 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 Arthur J. Gallagher tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Arthur J. Gallagher equity questions
- Should I sell or hold my Arthur J. Gallagher RSUs at vest?
- Arthur J. Gallagher 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 Arthur J. Gallagher grant ISOs, NSOs, or RSUs?
- Equity compensation at Arthur J. Gallagher typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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