Skip to content
See if we're a fit

Equity-Comp Recipients

 How you handle your concentrated equity could be your biggest financial decision. We help you make it with a clear head.
Where we come in

The decisions that shape concentrated equity wealth

 Maybe your RSUs are vesting faster than you can keep track of. Maybe you're sitting on options and unsure when to exercise. Maybe a big chunk of your net worth is tied up in one company's stock and that's started to feel less like a win and more like a risk. Whatever stage you're at, the decisions tend to come with tax consequences attached.
Understanding What You Hold
RSUs, ISOs, NQSOs, ESOPs — each grant type has its own rules and its own tax treatment. The first step is replacing "I have stock somewhere" with a clear picture of what you actually own.
Concentration Risk
 When a large share of your net worth sits in your employer's stock, your finances and your paycheck are riding on the same company. We help you think through how much concentration fits your goals and comfort level. 
Diversification on Your Terms
Unwinding a concentrated position isn't all-or-nothing. We help you think through a thoughtful, paced approach that accounts for taxes, your timeline, and how you feel about the stock..
Tax Considerations
 Vesting, exercise timing, AMT, and the difference between ordinary income and capital gains all shape the tax picture. We help you think it through in coordination with your CPA. 
Advanced Strategies
 Beyond simply selling shares, there are other approaches that can play a role depending on your situation — direct indexing, charitable strategies, and in some cases hedging tools like collars. Each comes with its own costs, tax treatment, and trade-offs, and none is right for everyone. We help you understand which approaches, if any, fit your circumstances. 
Planning Ahead for Big Events
 Vesting cliffs, IPOs, tender offers, and liquidity events are far easier to navigate when the decisions are made in advance — not in the weeks after the shares hit your account.  

What does working with us actually look like?

We start with a conversation. No commitment, no sales pitch — just a chance to talk through where you are and what's on your mind.
If it's a fit, here's what comes next:

 

Discovery

We map what you actually have: grant schedules, vesting dates, exercise windows, cost basis, and how it all fits alongside your other accounts, income, and goals. Most clients arrive with a vague sense of their equity — we replace that with a clear picture

 

Portfolio Design

We help you build a diversified, evidence-based portfolio around your equity position, designed to reduce your reliance on a single stock over time in a way that fits your timeline and goals

 

Planning

Around the portfolio, we build a broader plan that addresses concentration, diversification strategy, tax coordination, and the upcoming events on your horizon. You see the plan, we walk through it together, and we revise it until it makes sense to you

 

Implementation

We handle the execution: opening accounts at Schwab or Altruist, coordinating sales and diversification within the plan, and working alongside your CPA on the tax pieces. If you'd rather take the plan and run with it yourself, that works too

 

Ongoing Management

Equity comp keeps coming — new grants, new vesting, new decisions. We actively manage the portfolio, revisit the plan as grants vest and circumstances change, and stay on top of the moves worth considering each year

Equity Compensation FAQ

Frequently Asked Questions

A big chunk of my net worth is in my company's stock. Is that a problem?

 It's worth paying attention to. Concentration can build significant wealth, but it also means your financial security and your paycheck both depend on the same company. The question isn't whether concentration is "good" or "bad" — it's how much of it fits your goals, your timeline, and your comfort with risk. For many people, the right answer is to diversify gradually over time rather than all at once, in a way that accounts for taxes and how they feel about the stock. That's the conversation worth having before an event forces the decision.

When should I exercise my options or sell my RSUs?

It depends on your situation, and there's no universal answer. RSUs are generally taxed as income when they vest, so the decision there is often more about diversification than timing. Options are more nuanced — exercise timing can affect your tax treatment, and ISOs in particular can trigger alternative minimum tax considerations. The right approach depends on your grant types, your tax picture, your timeline, and your goals. We help you think it through and coordinate with your CPA so the decision accounts for the full picture rather than one piece of it.

My company is about to go public (or got acquired). What should I be thinking about?

Liquidity events are much easier to navigate when you've planned ahead. Before the event, the work is understanding what you hold, what the tax consequences could look like, and what you'd want to do with proceeds if and when they become available. After the event, the focus shifts to diversification and building a plan around the wealth — thoughtfully, and on your timeline, rather than reacting in the moment. The clients who feel calmest through these events are usually the ones who started the conversation well before the headline.

Take the next step

Let's Talk

 If your equity comp has grown into a meaningful part of your financial life and you want a clearer plan around it, we'd love to hear from you.
Meet with us