Concentrated stock
Too much in one stock? Diversify on a plan, not a hunch.
Whether it came from equity compensation, a long-held position or the sale of a business, a concentrated position can decide your financial future by itself. We build a written, tax-aware plan to diversify that keeps moving even when the stock doesn’t.
Our approach
Two triggers, so diversification never stalls
Many sell-down plans wait for a target price that never comes. Ours pairs price triggers with a calendar so you keep making progress.
Price-triggered sales
Sales accelerate at pre-set price levels, so you sell more into strength and decide in advance rather than in the moment.
A time-based glidepath
A target concentration for each quarter or year that you meet even if the stock never reaches a trigger.
Tax-lot and tax-year management
We sell highest-basis lots first, harvest losses elsewhere to offset gains, and spread sales across tax years where that helps.
Charitable and family strategies
Gifting appreciated shares to a donor-advised fund or charitable Trust, and coordinated family gifting, such as Grantor Retained Annuity Trusts, designed with your attorney and CPA.
Reinvestment with purpose
Proceeds go into a diversified portfolio built around your plan, with your existing sector and employer exposure taken into account.
Who this is for
Common situations we see
Executives and employees
RSUs, options and ESPP shares that have built up over years, often with trading windows or 10b5-1 plans to coordinate.
Long-time holders
Low-basis stock bought or inherited decades ago, where the tax bill has kept the position in place.
After a liquidity event
Shares received in an acquisition, IPO or business sale that now make up most of a family’s net worth.
Free guide
Diversifying a Concentrated Stock Position
A plain-English guide to the trade-offs: how much concentration is too much, sell-down methods, state tax considerations, charitable options and the questions to ask before you start.
Send me the guide
Want a review of your own position? Mention it in your reply and we’ll set up a call.