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.

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.

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