u/Hot_Ad_6644

Hi,

Currently I have one child looking to start nursery in Jan-27.

For the current tax year, I will SS down to the 100k and put any bonus in pension above the 100k.

However I have some RSUs that now vest in March-27.

I assume once they vest they get treated as taxable income counting towards the 100k?

Can I gift RSUs to my spouse to count towards their income (less than limit) or how can I defer the tax liability so that they only count towards the 100k in later years? can I sell and put into pension without counting towards the 100k earnings limit?

Why do they make it so complicated!

Thank you