RSUs and options, all vesting on their own schedule: you've earned it. Now you need a plan that doesn't blow up your tax bill in the process.
A lot of risk in a single name.
You work at a fast-growing company, and a significant portion of your wealth is tied to your employer's stock. On paper, things look great. In practice, you're carrying a lot of risk in a single name: the same company you depend on for your income.
You know you should diversify. The question is how to do it without triggering a massive tax bill, violating any trading restrictions, or making a move you'll regret if the stock keeps running.
In the meantime, the equity keeps vesting. The stakes keep going up. And you haven't really dealt with it yet.
Concentrated equity requires specific expertise.
Most generalist advisors will tell you to "diversify over time" without giving you a real framework. That's not advice, that's a hedge.
You're not sure whether to hold or sell at each vest. There's a right answer, and it depends on your tax situation, your view of the company, and what else is in your portfolio.
The exercise decision is genuinely complicated, especially if you're thinking about leaving the company.
Different vest schedules and cost bases stacked up over years, with nobody looking at the full picture together.
You're not sure how to plan better for the year ahead.
We build the plan. We run the numbers. We coordinate with your CPA so the strategy actually holds together from a tax standpoint.
Equity analysis first. Then a real plan.
Map what you own
Before we do anything else, we map exactly what you own, when it vests or expires, what the tax treatment is, and what the risk looks like relative to the rest of your portfolio.
Diversification plan
Which shares to sell and when, how to sequence it, whether a 10b5-1 plan makes sense, and how to deploy proceeds without creating new concentration problems.
Tax-aware execution
Our investment team runs trading and portfolio construction, and coordinates directly with your CPA to make sure every trade fits the broader tax picture.
Ongoing management
Equity comp isn't a one-time problem. We stay on top of vest dates, blackout windows, and market conditions so you're never making reactive decisions at the last minute.
Independent. Fiduciary. No product to sell you.
Our advisors have spent decades working with exactly the kind of clients who have this problem: founders, executives, and senior professionals who had done very well and needed someone to help them not undo it.
Our investment team specializes in concentrated stock strategies, options, and custom portfolio construction. It isn't something we dabble in. It's what we do.
Let's map out what you have.
Tell us a bit about your situation and we'll set up a time to walk through it together. The first conversation is just a conversation.
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