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A guide for employees paid in equity

The Liquidity Playbook

Seven questions to answer before the money lands, backed by the data institutions use to make the same decisions. Ten minutes now can save a year of regret.

Download the playbook (PDF, opens in new tab)

PDF, 13 pages. No sign-up.

For accredited investors and qualified purchasers. Educational only, not investment, tax, or legal advice.

Cover of The Liquidity Playbook by Citizen Mint

40 to 70%

typical equity concentration for senior tech employees

22%

flat RSU withholding rate, regardless of your real bracket

$1M+

net worth threshold to qualify as an accredited investor

What's inside

Liquidity arrives in a lump. Plans don't.

A tender offer, a secondary, an IPO, a lockup expiring. Each one is a date on someone else's calendar with a lot of your decisions attached. The playbook walks through the seven questions to answer before the next window opens, with a worksheet at the end to write the answers down.

  1. 01
    ConcentrationWhat's my concentration after the sale?
  2. 02
    Tax pictureWhat does this year's tax picture look like?
  3. 03
    Near-term needsHow much do I need liquid?
  4. 04
    Long-term capitalWhere does the rest wait?
  5. 05
    Portfolio mixWhat should the rest of the portfolio own?
  6. 06
    EligibilityWhat am I actually eligible for?
  7. 07
    Your teamWho is in the room with me?

Who wrote this

What Citizen Mint does differently

Citizen Mint gives accredited investors and qualified purchasers curated access to institutional-quality private market funds across infrastructure, private credit, private equity, and real estate, with quarterly valuations and tax documents in one dashboard.

Independent

Not paid by fund managers, so the incentive is finding the right fit, not the highest commission.

Institutional-grade

Due diligence built on the same standards institutional allocators use before committing capital.

One dashboard

Quarterly valuations and tax documents for private holdings, alongside everything else you track.

Next step

Your equity is a starting point, not the plan.

Work through the seven questions before your next window opens. When you're ready to talk through what you find, the Citizen Mint team is glad to walk through it with you. No pressure, no pitch, just a second set of eyes on the plan.

Talk to the team Download the playbook (PDF, opens in new tab)

Important information

For informational and educational purposes only. Nothing in this guide is investment, tax, or legal advice, or an offer to sell or a solicitation of an offer to buy any security. Any offer is made only through official offering documents. Private market investments are speculative, illiquid, involve a high degree of risk including loss of principal, and are available only to investors who meet applicable eligibility requirements. Consult your own tax and financial advisers before making any decision referenced in this guide. Figures cited are general market statistics used for illustrative and educational purposes. They do not represent the performance of any Citizen Mint fund or offering, and past or third-party performance is not indicative of future results.

For full disclosures, visit citizenmint.com/disclosures