For Amazon Professionals

Financial advisors who actually understand Amazon.

The 5/15/40/40 cliff. Refreshers stacking like Jenga blocks. A tax bill in year three that nobody warned you about. Generic advice doesn't cut it here. Get matched — free, in about 3 minutes — with a fiduciary who's actually seen the Amazon playbook.

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Match in 3 Minutes

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SEC-REGISTERED FIDUCIARIES (they work in your best interest)

WHY DO YOU NEED A SPECIALIST

AMZN is half your net worth.
Your financial plan should probably notice.

The 5/15/40/40 cliff

Years one and two are a tease. Years three and four are a tax bomb.

Refreshers stacked on top of grants

Every cycle adds another vesting calendar. Soon you need a spreadsheet to find your own spreadsheet.

Single stock concentration risk

When AMZN is 40–70% of your net worth, your job and your portfolio are dating. One bad re-org and you lose both.

Underused tax shelters

The Mega Backdoor Roth is sitting right there in your 401(k). Most Amazonians never open the door.

.

Free for you, genuinely. The advisors compete; you just show up.

Free for you, genuinely. The advisors compete; you just show up.

Fill the short form and we will connect you with a fiduciary advisor that understands your Amazon compensation plan. Takes 3 min but totally worth it.

Datalign is used by professionals at top tech companies

100,000+

100,000+

100,000+

People Matched

$80B+

Assets referred

86%

Advisors from Barron’s Top 100 RIA list are on the Datalign Platform

Common questions from Amazon employees.

Should I sell my RSUs as soon as they vest?

For many Amazon employees, sell-at-vest is the most tax-efficient default — vested shares are already taxed as ordinary income, and holding only adds concentrated-stock risk. Holding can make sense if it's part of a deliberate plan and you've capped your overall AMZN exposure. A specialist can model both paths against your bracket and goals before recommending a default.

How are Amazon RSUs taxed?

Vested RSUs are taxed as ordinary income at the fair market value on the vest date. If you continue to hold the shares, future appreciation is taxed at capital gains rates — short-term if sold within a year of vesting, long-term thereafter. Higher-earning employees often face under-withholding because Amazon's default supplemental withholding rate may not match their real marginal rate.

What is Amazon's 5/15/40/40 vesting schedule?

Amazon's standard new-hire RSU grant vests 5% in year one, 15% in year two, then 40% in years three and four (typically paid semi-annually). Sign-on bonuses are front-loaded to bridge the early years when stock vesting is small. Refreshers granted later vest on their own four-year clocks layered on top, which is why Amazon comp planning quickly becomes multi-dimensional.

What happens to my unvested RSUs if I leave Amazon?

Unvested RSUs are forfeited at separation — there's no "vest acceleration" by default. Timing your departure around vest dates and any retention or refresher awards can preserve significant value. An advisor can map this for you in advance so you're not making the call under pressure.

Does Amazon offer a Mega Backdoor Roth?

Yes — Amazon's 401(k) plan permits after-tax contributions and in-plan Roth conversions, which together enable the Mega Backdoor Roth strategy. For high earners, this can shelter tens of thousands of additional dollars per year in tax-advantaged growth on top of the standard $24,500 elective deferral. It's one of the highest-leverage moves an Amazon employee can make and one of the most commonly missed.

How do I reduce risk when so much of my pay is in Amazon stock?

Concentration is reduced through a deliberate, multi-year plan: setting a maximum AMZN allocation, harvesting tax losses to offset diversification gains, and using vehicles like direct indexing or exchange funds when concentration is large. The wrong move is selling all at once and triggering an unnecessary tax event — the right move is staging it.

How much does Datalign cost?

Datalign is free for consumers. Advisory firms in our network compete to be matched with clients, so you pay us nothing regardless of whether you ultimately work with the advisor we recommend. If you decide to engage with the advisor, their fees are disclosed transparently before you commit.

Is Datalign a financial advisor?

Datalign is an SEC-registered investment advisor that operates a matching platform. We don't manage your money — we connect you with vetted fiduciary firms that do. Our fiduciary registration is what allows us to evaluate advisors objectively and route you to the right fit.

Should I sell my RSUs as soon as they vest?

For many Amazon employees, sell-at-vest is the most tax-efficient default — vested shares are already taxed as ordinary income, and holding only adds concentrated-stock risk. Holding can make sense if it's part of a deliberate plan and you've capped your overall AMZN exposure. A specialist can model both paths against your bracket and goals before recommending a default.

How are Amazon RSUs taxed?

Vested RSUs are taxed as ordinary income at the fair market value on the vest date. If you continue to hold the shares, future appreciation is taxed at capital gains rates — short-term if sold within a year of vesting, long-term thereafter. Higher-earning employees often face under-withholding because Amazon's default supplemental withholding rate may not match their real marginal rate.

What is Amazon's 5/15/40/40 vesting schedule?

Amazon's standard new-hire RSU grant vests 5% in year one, 15% in year two, then 40% in years three and four (typically paid semi-annually). Sign-on bonuses are front-loaded to bridge the early years when stock vesting is small. Refreshers granted later vest on their own four-year clocks layered on top, which is why Amazon comp planning quickly becomes multi-dimensional.

What happens to my unvested RSUs if I leave Amazon?

Unvested RSUs are forfeited at separation — there's no "vest acceleration" by default. Timing your departure around vest dates and any retention or refresher awards can preserve significant value. An advisor can map this for you in advance so you're not making the call under pressure.

Does Amazon offer a Mega Backdoor Roth?

Yes — Amazon's 401(k) plan permits after-tax contributions and in-plan Roth conversions, which together enable the Mega Backdoor Roth strategy. For high earners, this can shelter tens of thousands of additional dollars per year in tax-advantaged growth on top of the standard $24,500 elective deferral. It's one of the highest-leverage moves an Amazon employee can make and one of the most commonly missed.

How do I reduce risk when so much of my pay is in Amazon stock?

Concentration is reduced through a deliberate, multi-year plan: setting a maximum AMZN allocation, harvesting tax losses to offset diversification gains, and using vehicles like direct indexing or exchange funds when concentration is large. The wrong move is selling all at once and triggering an unnecessary tax event — the right move is staging it.

How much does Datalign cost?

Datalign is free for consumers. Advisory firms in our network compete to be matched with clients, so you pay us nothing regardless of whether you ultimately work with the advisor we recommend. If you decide to engage with the advisor, their fees are disclosed transparently before you commit.

Is Datalign a financial advisor?

Datalign is an SEC-registered investment advisor that operates a matching platform. We don't manage your money — we connect you with vetted fiduciary firms that do. Our fiduciary registration is what allows us to evaluate advisors objectively and route you to the right fit.

Should I sell my RSUs as soon as they vest?

For many Amazon employees, sell-at-vest is the most tax-efficient default — vested shares are already taxed as ordinary income, and holding only adds concentrated-stock risk. Holding can make sense if it's part of a deliberate plan and you've capped your overall AMZN exposure. A specialist can model both paths against your bracket and goals before recommending a default.

How are Amazon RSUs taxed?

Vested RSUs are taxed as ordinary income at the fair market value on the vest date. If you continue to hold the shares, future appreciation is taxed at capital gains rates — short-term if sold within a year of vesting, long-term thereafter. Higher-earning employees often face under-withholding because Amazon's default supplemental withholding rate may not match their real marginal rate.

What is Amazon's 5/15/40/40 vesting schedule?

Amazon's standard new-hire RSU grant vests 5% in year one, 15% in year two, then 40% in years three and four (typically paid semi-annually). Sign-on bonuses are front-loaded to bridge the early years when stock vesting is small. Refreshers granted later vest on their own four-year clocks layered on top, which is why Amazon comp planning quickly becomes multi-dimensional.

What happens to my unvested RSUs if I leave Amazon?

Unvested RSUs are forfeited at separation — there's no "vest acceleration" by default. Timing your departure around vest dates and any retention or refresher awards can preserve significant value. An advisor can map this for you in advance so you're not making the call under pressure.

Does Amazon offer a Mega Backdoor Roth?

Yes — Amazon's 401(k) plan permits after-tax contributions and in-plan Roth conversions, which together enable the Mega Backdoor Roth strategy. For high earners, this can shelter tens of thousands of additional dollars per year in tax-advantaged growth on top of the standard $24,500 elective deferral. It's one of the highest-leverage moves an Amazon employee can make and one of the most commonly missed.

How do I reduce risk when so much of my pay is in Amazon stock?

Concentration is reduced through a deliberate, multi-year plan: setting a maximum AMZN allocation, harvesting tax losses to offset diversification gains, and using vehicles like direct indexing or exchange funds when concentration is large. The wrong move is selling all at once and triggering an unnecessary tax event — the right move is staging it.

How much does Datalign cost?

Datalign is free for consumers. Advisory firms in our network compete to be matched with clients, so you pay us nothing regardless of whether you ultimately work with the advisor we recommend. If you decide to engage with the advisor, their fees are disclosed transparently before you commit.

Is Datalign a financial advisor?

Datalign is an SEC-registered investment advisor that operates a matching platform. We don't manage your money — we connect you with vetted fiduciary firms that do. Our fiduciary registration is what allows us to evaluate advisors objectively and route you to the right fit.

@ 2026 Datalign Advisory. All rights reserved.

Datalign Advisory, Inc. (“Datalign Advisory”) is a solicitor for the third-party advisors on our platform. These advisors pay Datalign Advisory a referral fee for prospective client introductions. This referral fee varies based on the information you supply in the Questionnaire and the desired client profile of the Matched Advisor. In return, we provide the Matched Advisor with the information you provide us through our Questionnaire, including phone number and e-mail address. This fee is paid solely by the Matched Advisor and is paid to Datalign Advisory regardless of whether or not you become a client of the Matched Advisor. There are no fees to you for the use of our platform. Datalign Advisory is not otherwise affiliated with the Matched Advisor and does not provide investment advice on its behalf. Participating Advisers pay us a fee for each Investor introduction. Participating Advisers may pay different levels of fees based on a combination of demand and profile of the Investors matched and introduced. This creates a conflict of interest because we could generate more revenue by introducing Investors to the Participating Adviser willing to spend the most, rather than the adviser that best suits an Investor’s needs. We mitigate this risk by only introducing Investors to Participating Advisers that are deemed suitable and match based on information Investors self-report through our platform. Where multiple Participating Advisers meet the requirements identified by an Investor and are deemed equally suitable, the introduction will be made to the Participating Adviser that is willing to pay us the highest referral fee, as determined through an auction.

Datalign Advisory, Inc. (“Datalign Advisory”) is registered with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Datalign Advisory provides referrals to third-party investment advisors based on consumers’ financial information, services required, and preferred relationship with an investment advisor, as reported through our Questionnaire. Datalign Advisory does not manage client assets nor provide investment recommendations. Datalign Advisory’s form ADV Part 2A is available here, and the Form CRS here.

@ 2026 Datalign Advisory. All rights reserved.

Datalign Advisory, Inc. (“Datalign Advisory”) is a solicitor for the third-party advisors on our platform. These advisors pay Datalign Advisory a referral fee for prospective client introductions. This referral fee varies based on the information you supply in the Questionnaire and the desired client profile of the Matched Advisor. In return, we provide the Matched Advisor with the information you provide us through our Questionnaire, including phone number and e-mail address. This fee is paid solely by the Matched Advisor and is paid to Datalign Advisory regardless of whether or not you become a client of the Matched Advisor. There are no fees to you for the use of our platform. Datalign Advisory is not otherwise affiliated with the Matched Advisor and does not provide investment advice on its behalf. Participating Advisers pay us a fee for each Investor introduction. Participating Advisers may pay different levels of fees based on a combination of demand and profile of the Investors matched and introduced. This creates a conflict of interest because we could generate more revenue by introducing Investors to the Participating Adviser willing to spend the most, rather than the adviser that best suits an Investor’s needs. We mitigate this risk by only introducing Investors to Participating Advisers that are deemed suitable and match based on information Investors self-report through our platform. Where multiple Participating Advisers meet the requirements identified by an Investor and are deemed equally suitable, the introduction will be made to the Participating Adviser that is willing to pay us the highest referral fee, as determined through an auction.

Datalign Advisory, Inc. (“Datalign Advisory”) is registered with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Datalign Advisory provides referrals to third-party investment advisors based on consumers’ financial information, services required, and preferred relationship with an investment advisor, as reported through our Questionnaire. Datalign Advisory does not manage client assets nor provide investment recommendations. Datalign Advisory’s form ADV Part 2A is available here, and the Form CRS here.

@ 2026 Datalign Advisory. All rights reserved.

Datalign Advisory, Inc. (“Datalign Advisory”) is a solicitor for the third-party advisors on our platform. These advisors pay Datalign Advisory a referral fee for prospective client introductions. This referral fee varies based on the information you supply in the Questionnaire and the desired client profile of the Matched Advisor. In return, we provide the Matched Advisor with the information you provide us through our Questionnaire, including phone number and e-mail address. This fee is paid solely by the Matched Advisor and is paid to Datalign Advisory regardless of whether or not you become a client of the Matched Advisor. There are no fees to you for the use of our platform. Datalign Advisory is not otherwise affiliated with the Matched Advisor and does not provide investment advice on its behalf. Participating Advisers pay us a fee for each Investor introduction. Participating Advisers may pay different levels of fees based on a combination of demand and profile of the Investors matched and introduced. This creates a conflict of interest because we could generate more revenue by introducing Investors to the Participating Adviser willing to spend the most, rather than the adviser that best suits an Investor’s needs. We mitigate this risk by only introducing Investors to Participating Advisers that are deemed suitable and match based on information Investors self-report through our platform. Where multiple Participating Advisers meet the requirements identified by an Investor and are deemed equally suitable, the introduction will be made to the Participating Adviser that is willing to pay us the highest referral fee, as determined through an auction.

Datalign Advisory, Inc. (“Datalign Advisory”) is registered with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Datalign Advisory provides referrals to third-party investment advisors based on consumers’ financial information, services required, and preferred relationship with an investment advisor, as reported through our Questionnaire. Datalign Advisory does not manage client assets nor provide investment recommendations. Datalign Advisory’s form ADV Part 2A is available here, and the Form CRS here.