Job Change Financial

Evaluate the full financial picture of a job change — benefits, retirement accounts, compensation comparison, and transition costs — before you sign.

19 action items~20 min to complete4 sections

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Total Compensation Comparison

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Calculate total annual value of current comp: base + bonus + equity + benefits valueKey

Calculate total annual value of new offer using the same frameworkAction

Value unvested equity at current employer — what are you forfeiting?Watch out

Negotiate a sign-on bonus to compensate for unvested equity forfeitedAction

Confirm start date allows for proper equity vesting if a cliff is approachingKey

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Compare health insurance plans — deductibles, network, and premium differencesKey

Confirm 401(k) match percentage and vesting schedule at new employerWatch out

Understand the PTO policy — days, accrual rate, and whether unused PTO is paid out at separation

Check dental, vision, life, and disability insurance coverage differences

Assess any loss of perks: parking, gym, meals, professional development budget

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Roll over your old 401(k) to a rollover IRA or new employer's 401(k) within 60 daysKey

Understand COBRA coverage options and cost for the period between health plansWatch out

Determine whether there's a waiting period before new benefits begin at the new jobKey

Plan for any income gap if there's time between jobs

Understand any non-compete or non-solicitation clauses in your current employment contractWatch out

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Check whether any current employer benefits have clawback provisionsWatch out

Adjust W-4 withholding for any anticipated income changes

If changing states, understand the multi-state tax filing implicationsAction

Update your professional credentials, licenses, or certifications for the new role if needed