Maximize Employee Stock Purchase Plans With Rising Tide Capital... Win/Win and the "We Rise Together" Concept:
- tbelbutowski8
- Jun 9
- 2 min read
Updated: Jul 8
Employee Stock Purchase Plans (ESPPs) are a powerful tool for companies looking to engage their employees and foster a sense of ownership. However, many employees simply don't have enough money to go around.
In this post we'll outline the idea of "everyone wins" behind RTC as well as laying out numbers to illustrate why it's hard to find the money to invest fully in your ESPP.
The Rising Tide Concept
Why "Rising Tide"?
It has to be Win/Win, and that's what the ESPP allows us to offer, a Win/Win financial partnership. A rising tide lifts all boats, and that's the idea here as well.
RTC "wins" because we are able to invest with confidence and make a profit from that investment, that's pretty straightforward.
You, the customer, "win" in a whole variety of ways:
If you haven't participated in your ESPP before, now you are set to make meaningful returns each offering period.
If you have participated, but not fully, we can bridge the gap to maximize your returns.
If you have participated fully, now you have the option to reallocate some or all of that money for other purposes.
It's Hard to Fund Everything... Money Doesn't Grow on Trees!
Think about all of the ways the financial experts advise us to allocate the dollars we have to invest:
Max out your 401k (24.5K in 2026) more if you're 50+!
Contribute to kids college savings via 529.. $1k, $5k, $10k a year?
HSA/FSA, max those out at up to $8,750 for HSA or FSA at $3,400
Daycare? Dependent care FSA at $7,500 per household
If you add up what we "should be saving" it easily can get to the $30-$40k/yr range, and higher, not to mention medical benefits. Then add around $20k/yr post tax for your ESPP benefit!
It doesn't take a math wizard to realize that in order to take advantage of these programs, you have to have significant discretionary income that most people don't have.
We're here because for the other no brainer items above, there's not yet an easy way for a 3rd party to help maximize those benefits, so you need to go that alone.
The good news is now RTF can help you with your ESPP investing, which is why it comes around full circle to the win/win rising tide mission.
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