Diversify Your Wealth: Tax-Efficient Strategies for Concentrated Stock Positions & RSUs
Corporate executives often find the vast majority of their net worth tied to a single stock through RSUs, ESPPs, or stock options. Your company stock helped build your net worth, but holding too much creates massive downside risk. Let our fiduciaries engineer a tax-efficient exit strategy to protect your wealth.
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Tax-Optimized Unwinding: We map out exactly which shares to sell and when to minimize your capital gains and ordinary income taxes.
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Manage the Timeline: Seamlessly navigate complex vesting schedules, blackout periods, and ESPP rules.
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Remove Single-Stock Risk: Systematically protect your financial future from a single corporate or sector downturn.
The Dilemma: Concentration Risk vs. Tax Paralysis
The Tax Paralysis: You know you need to diversify, but you are paralyzed by the fear of taxes. Selling the wrong shares at the wrong time or ignoring blackout periods and cost bases triggers massive, unnecessary tax bills that permanently destroy capital.
The Concentration Trap: Having the vast majority of your net worth tied to your employer is great on the way up, but it leaves your financial future dangerously exposed. One bad earnings report or sector downturn shouldn't jeopardize your retirement.
The Solution: Engineered Tax Efficiency
Transitioning from single-stock wealth to a diversified portfolio requires precise architecture. We analyze your specific cost bases, vesting schedules, and blackout periods. Using strategies like Net Unrealized Appreciation (NUA) rules, tax-loss harvesting, and phased liquidation plans, we systematically reduce your risk while defending your capital from the IRS.
Request Your Unwind Strategy
A brief, confidential discussion to review your equity holdings.
100% Fee-Only Fiduciaries
Based in Bloomfield Hills, MI
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The GPM Difference:
"We specialize in complex corporate compensation structures. Once your stock is safely liquidated, we don’t just dump the proceeds into generic mutual funds. We build a custom portfolio of individual equities and ETFs designed to actively counterbalance the specific sector risk of your employer. As fee-only fiduciaries, we invest our own capital directly alongside yours." - Joe Griffin
Your Path to Clarity in Three Simple Steps:
01
15-Minute Intro Call
A strictly confidential, no-pressure review of your current equity compensation structure and corporate restrictions.
02
The Unwind Strategy
We run the math and model the exact tax impact of diversifying your concentrated position to create a clear, phased liquidation schedule.
03
Implementation & Reinvestment
We take the burden off your shoulders by executing the sales schedules and thoughtfully reinvesting the proceeds for long-term growth.