Financial Planning Guide
for Microsoft Employees
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Introduction
As a Microsoft employee, you have access to one of the most comprehensive compensation and benefits packages in the technology industry. However, navigating the complexities of equity compensation, retirement planning, and tax optimization requires specialized knowledge and strategic planning.
At PCM Encore, we work with technology professionals to help navigate their equity compensation, coordinate financial planning, and develop tax-efficient investment strategies. This guide breaks down the key components of your Microsoft benefits and provides actionable insights to help you make informed financial decisions.
401(k) Plan Overview
Microsoft offers a robust 401(k) plan administered through Fidelity, featuring:
50% company match on all your contributions up to the IRS annual limit ($23,500 for 2025 = $11,750 match)
Immediate vesting (100%) of all employer contributions
High contribution limits: $23,500 for 2025 ($31,000 if age 50+, $34,750 if age 60-63)
Wide range of investment options including low-cost index funds
Note: Catch-up contributions (if age 50+) are not eligible for the employer match
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