Case study · Equity-Compensated Executives

From 90 percent in one stock to a portfolio with a future.

RSU strategy

The situation

A senior technology executive had roughly 90 percent of the portfolio concentrated in a single stock, accumulated through years of RSU vesting.

What we did together

We developed a long-short tax-loss harvesting strategy to unwind the position deliberately, generating losses along the way to absorb the gains the selling created, with a defined concentration target of 20 percent.

Where it landed

A single-stock position on a managed path from roughly 90 percent of the portfolio toward 20, without handing the difference to the IRS.

Drawn from a real engagement, with details generalized to protect the client’s privacy. Every situation is different; outcomes depend on circumstances and timing.

Planning tool

RSU and option income is often what pushes a household over the Roth IRA income limit. Our backdoor Roth calculator compares a backdoor Roth IRA with a taxable brokerage account holding the same investments, at 2026 federal and 2025 state rates.

Open the calculator

More case studies

Section 1202 QSBS Over $12 million in capital gains taxes saved at closing. Read the case study Tax-loss harvesting for a liquidity event Over $10 million in capital gain exposure offset, in place before the transaction rather than after it. Read the case study Orchestrating retirement plans Retirement plans working at their full capability, and a deferred compensation strategy under active exploration. Read the case study Taking over the family finances A financial life she understands and runs with confidence, with one team accountable for the whole picture. Read the case study

Meet with us

See your situation here?

This engagement started with a conversation. We’d love to have one with you.

Begin a conversation