Professionals / Workers with RSUs, redundancy or cross-border complexity

At Curran Futures, we work with professionals who find themselves facing important financial decisions at moments of real change. Whether you are managing RSUs and share options, navigating redundancy or career transition, or juggling cross-border finances between Ireland, the UK and the EU, it can feel complex and overwhelming.

Our role is to bring clarity, translating your full financial picture into a clear, practical plan built specifically for you. We specialise in helping executives, senior professionals and internationally mobile clients make confident decisions around tax, pensions, equity compensation and wealth planning, so that nothing is missed and every opportunity is considered.

Who this is for

• Professionals with RSUs, share options or equity awards
• Individuals facing redundancy, early retirement or career change
• Clients with UK / EU / international pensions or assets
• People returning to or leaving Ireland
• Anyone with multiple tax systems impacting their finances

The problems we help you solve

• When and how to sell or retain RSUs
• Avoiding unnecessary Income Tax, Capital Gains Tax and USC
• Structuring cash flow after a redundancy or exit
• Deciding whether to transfer, retain or consolidate pensions
• Managing currency risk and cross-border reporting
• Making confident decisions during periods of change

Equity Compensation Strategy

• Review of RSUs, vesting schedules and tax exposure
• Sale vs retain modelling
• Practical action plan for managing your awards

This service is designed for professionals with RSUs, share options or equity awards who want to make informed decisions before costly tax or timing mistakes occur. We review your vesting schedules, tax exposure and concentration risk, and model different sell versus retain scenarios. Simplified, our goal is to help you understand how your equity compensation works, what tax you may owe, and the pros and cons of selling versus holding your shares. You leave with a clear plan that fits into your wider finances, rather than managing your equity in isolation.

Redundancy & Career Transition Plan

• Cash-flow planning for life after redundancy
• Tax-efficient structuring of lump sums
• Bridging strategy until your next income phase

Redundancy often comes with a lot of decisions at once, what to do with a lump sum, how long it needs to last you, and how it affects your longer-term plans. This service is designed to bring structure and calm to that period of change.

We help you plan your cash flow, structure redundancy payments in a tax-efficient way, and build a realistic bridge to your next phase of income. The goal is to give you confidence and breathing space, not pressure to rush into the next step.

Cross-Border Financial Review

• Analysis of pensions, investments and assets held in more than one country
• Identification of tax risks and reporting obligations
• Clear recommendations for simplification and efficiency

When your finances span more than one country, things can quickly become confusing. Different tax systems, pension rules and reporting requirements can overlap, often without being obvious.

A Curran Futures, our team of experts review all your pensions, investments and assets held across borders and explain, in clear terms, how they interact. You’ll understand where risks or inefficiencies exist and receive straightforward recommendations to simplify your financial structure and avoid unnecessary tax or compliance issues.

Pension Structure & Consolidation Review

• Review of all existing pension arrangements
• Assessment of consolidation, transfers and investment structure
• Long-term retirement alignment plan

Over time, many people accumulate several pension plans through different employers or countries, often without a clear picture of how they fit together. This can make retirement planning harder than it needs to be.

We review each of your pension arrangements, explain how they work, and assess whether combining or restructuring them would make sense. The result is a clearer, more organised pension strategy that supports your long-term retirement goals.

What you walk away with

• A clear written strategy
• A practical implementation checklist
• A confident understanding of your options
• A roadmap into the next stage of your financial life

Let’s have a chat, click here to book a no obligation appointment with a member of our qualified team.