For executives
When too much of the plan is one ticker.
RSUs, options, ESPP, deferred comp: compensation that made the balance also concentrated it. The plan's job is to turn one company's stock into a retirement that no single ticker can break.
Why concentration is a plan problem
The stock that built the number can unbuild it, and the tax bill of unwinding it all at once is its own risk. Deferral elections, vesting schedules, and the year you retire interact - the order of operations is worth more than any single decision.
What we bring to it
A diversification schedule with the tax plan attached: which grants move when, which years absorb the income, how deferred comp distributions stack against Social Security and conversions, and an income floor that stands whether or not the stock cooperates.
How to start
Bring the grant summary you already have to a Heard First Session. The first hour maps which decisions are on a clock - vesting, elections, windows - and which can wait for the full plan.
Start here
Built for this exact situation.
Article
The New Scoreboard
The math can say yes while the habit you've built for forty years keeps saying no.
Calculator
Tax-Bracket Mapper
How much federal tax, and what does your next dollar pay? Each step your income fills pays its own rate. The steps add up to your tax.
Guide
The Equity Compensation Planning Guide
What you own, what happens next, and the decisions worth understanding before you move anything, with every piece of your company stock on one page.
Bring the situation, not the paperwork.
It costs nothing, and nothing is owed when the hour is over. You leave knowing where you stand, whether or not we ever speak again.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.