June 2, 2026
“The stock keeps vesting and keeps climbing. How concentrated is too concentrated?”
An RSU is taxed at vest, so holding the shares is an active decision to buy them, every quarter.
Perspectives
Equity Compensation & Concentrated Stock
Your compensation arrives as shares, your calendar arrives as trading windows, and your net worth quietly concentrates on one ticker. These pieces are about taking that back under control.
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May 7, 2026
“I want to diversify, but I’m an insider. How do I sell without tripping over trading windows?”
A Rule 10b5-1 plan replaces window-by-window decisions with a pre-committed schedule that sells on autopilot.
April 2, 2026
“My ISOs are in the money. Should I exercise, and why does everyone warn me about the AMT?”
The spread at exercise drives everything: the tax toll, the timing, and whether the prize is worth the road.
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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Bring us the question behind these.
Every piece here started as a question a client asked. If you’re carrying one of your own, we’d love the opportunity to talk with you.
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