⏳ SpaceX lockup expires in loading… — the decisions you make now define your financial future for decades
SpaceX IPO · June 12, 2026 · Wealth Planning Alert

You Just Became
a Millionaire.
Now What?

The equity is in your account. The lockup clock is running. And the banks are already calling. Here's what you actually need to do before September 10th.

Tax bill shock — RSUs hit as ordinary income
90% in one stock — concentration risk is real
90 days — faster than you think
Lockup expiry: September 10, 2026.  You have a narrow window to build a tax strategy, diversification plan, and estate documents before you can sell a single share.
$135
IPO Share Price
Jun 12, 2026
~90
Days Until
Lockup Ends
Free video from Wes Clegg, Advisor
How to Protect Your SpaceX Windfall
Before the Lockup Ends
7 minutes · No signup required

Click to play · 7 minutes · No signup required to watch

The 90-Day Window

Four things to do before you can sell a single share

The lockup isn't just a waiting period — it's your planning window. Use it or lose it.

🧾

Tax Projection

RSUs vest as ordinary income taxed at your marginal rate — up to 37% federal plus state. If you haven't modeled your bill yet, do it today.

Do this first
🔒

Understand Your Lockup

RSUs, ISOs, and NQSOs each have different rules around when and how you can sell. Knowing your exact terms changes your strategy.

Before Sep 10
📊

Diversification Plan

Having 80–90% of your net worth in one stock — even one you believe in — is a risk most financial plans don't survive intact. Build your exit strategy now.

Don't wait
📋

Estate Documents

A will, beneficiary designations, and a basic power of attorney take days to set up and protect everything you've just earned. Most new millionaires don't have them.

Protect what's yours
What Goes Wrong

5 mistakes SpaceX employees make
in the first 90 days

I've seen every one of these. They're all avoidable — but only if you know they're coming.

01

Doing nothing

Paralysis is a decision. The lockup feels long until it doesn't. Employees who wait until August to start planning almost always run out of time to execute properly.

02

Trusting the first bank that calls

Wirehouse advisors are actively cold-calling SpaceX employees right now. Their compensation structure rewards selling products — not building your plan. Ask how they're paid before you listen.

03

Selling everything at once on day one

Dumping all your shares the moment lockup lifts can trigger an enormous tax bill in a single year. Staged sales, tax-loss harvesting, and charitable strategies can save you six figures.

04

Skipping estate planning

You just became a millionaire. If something happened to you tomorrow, does your estate go where you want? Most engineers in their 20s and 30s don't have a will or named beneficiaries. Fix this.

05

Making lifestyle decisions before you know your tax bill

New car, new house, new generosity — all understandable. All dangerous before you know exactly what the IRS is going to take. The tax bill arrives whether you planned for it or not.

Free Tool

SpaceX After-Tax Calculator

See what you actually keep after federal and state taxes — before you make any decisions about selling.

💰 SpaceX After-Tax Estimate

Enter your equity details below. Takes 60 seconds.

No account needed. Estimates only — not financial advice. See full disclaimer below.

Gross Proceeds
—
Before tax
Est. Total Tax
—
Federal + State
Est. Net Proceeds
—
What you keep
These are rough estimates only. Federal ordinary income rate assumed at 37% (top bracket). State rate varies by residence. Actual liability depends on your full income picture, equity type, cost basis, and timing. This is not tax or financial advice — please consult a qualified advisor before making any decisions.

These numbers make the stakes real. Let's build a plan around them.

How It Works

From equity holder to
financial clarity — in three steps

1
Free Tool

Run your after-tax estimate

Use the calculator above to see your realistic net proceeds in under a minute. No fluff — just the numbers you need to think clearly about what comes next.

2
Education Series

Receive Wes's 5-day email series

Starting the day you opt in, you'll get one focused, plain-English email per day covering exactly what SpaceX employees need to know right now:

3
Strategy Call

Book a no-pressure 30-minute call

When you're ready, book a complimentary strategy call with me directly. We'll look at your specific equity type, tax exposure, and goals — and I'll give you a clear next step, whether we work together or not. No pitch. No obligation. Just a plan.

Your Advisor

Someone genuinely on your side

Wes Clegg Advisor
LinkedIn Website

Wes Clegg

Financial Advisor · Ridgeline Wealth Solutions

I've worked with individuals and businesses in the Harrisburg area since the 1990s, managing assets and portfolios for local families and businesses for decades. I'm securities-registered and licensed to offer insurance products, so I can address the full picture, not just one piece of it.

At Ridgeline Wealth Solutions, I specialize in guiding high-net-worth individuals and families toward enduring financial success, with precision and personalized service that helps you navigate complex financial landscapes.

A SpaceX windfall is exactly the kind of complexity I've spent decades helping people navigate. Let's build a roadmap toward a more secure financial future, starting now.

✓ Securities Registered · Insurance Licensed ✓ 30+ Years Serving Local Families & Businesses ✓ High-Net-Worth Specialist ✓ Equity Compensation Aware
A Note on Preserving and Growing Your Legacy

Preserve and grow your legacy
with precision.

Ridgeline Wealth Solutions exists to guide high-net-worth individuals and families toward enduring financial success — and a SpaceX windfall puts you squarely in that territory, sometimes years ahead of schedule.

With decades of experience managing portfolios for local families and businesses, I bring the same precision and personalized service to your new equity position.

🏔️

Decades of experience with complex portfolios

I've managed assets and portfolios for individuals and businesses since the 1990s — this isn't new territory for me.

🗺️

A clear, personalized roadmap

I provide clear, easily understood explanations of financial products and services — no jargon, no confusion.

🛡️

Securities and insurance expertise under one roof

Being licensed across both lets me build a more complete plan than a single-lane advisor could.

🤝

Lasting relationships, not one-time transactions

I'm dedicated to developing lasting relationships with every client I work with — including you.

"

Ridgeline Wealth Solutions specializes in guiding high-net-worth individuals and families toward enduring financial success — partnering with you to navigate complex financial landscapes and achieve your vision for the future.

— Wes Clegg, Advisor
Book Your Free Strategy Call

The lockup ends September 10th.
Let's have a plan before then.

A 30-minute call costs you nothing. A wrong decision with this kind of wealth can cost you everything. Book a no-pressure strategy call with Wes today.