Marsh McLennan (MRSH) RSU sell-vs-hold
Calculator · free · no signup · MRSHSell at vest or hold? Compare after-tax payout from selling Marsh McLennan 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 MRSH today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in MRSH. 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 Marsh McLennan
Marsh McLennan (MRSH) is a public Fintech company, incorporated in Delaware and headquartered in New York, NY.
Last close: $186.37 per share (as of 2026-08-18).
Equity grants at Marsh McLennan typically include restricted stock units (RSUs).
Marsh & McLennan Companies, Inc., doing business 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
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Marsh McLennan.
Marsh McLennan (MRSH) 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 Marsh McLennan (MRSH) RSUs vesting at $186.37 per share is $93,185 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$29,819), the post-tax share value is ~$63,366. 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 Marsh McLennan tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Marsh McLennan equity questions
- Should I sell or hold my Marsh McLennan RSUs at vest?
- Marsh McLennan 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 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.
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