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I left BofA a few months ago. The Merrill 'Benefits Online' phone app always showed the current value, vesting schedule etc.
They always tended to vest over 3 or 4 years
E.g. offer 100 shares in April 2020. First 25 in 2021, next 25 in '22 etc.
and if you leave then anything that's not yet vested will be cancelled
duncs
The problem with phasing the withdrawal is that the CGT allowance is diminishing yearly by a factor of 2 anyway, £12k this year, £6k next etc. so while it will definitely make a saving, it’s not substantial enough compared to 20% share drop. Not that I’m anticipating that (!) but the risk adverse side of us would prefer the cash to plough into the mortgage etc
@user75580 Thanks, she’s chasing HR to get some detail, it’s bonkers they’ve never given her an info pack.