Concentrated stock positions, whether from stock options, employee compensation plans, or inherited holdings, present both significant opportunities and unique risks. Our holistic approach to managing these positions balances wealth preservation with strategic diversification, ensuring that your concentrated holdings work within your broader financial objectives.
When we sit across the table from you to learn about your specific situation, we carefully analyze your concentrated position within the context of your overall portfolio, risk tolerance, and long-term goals. Our Principals understand that these positions often represent more than just investments – they may be tied to your career, family legacy, or entrepreneurial success, requiring a nuanced approach that respects both the financial and emotional aspects of these holdings.
Our boutique approach allows us to develop customized strategies tailored to your specific concentrated stock situation. Rather than applying one-size-fits-all solutions, we meticulously craft personalized plans that may include systematic diversification strategies, tax-loss harvesting opportunities, and coordinated timing of option exercises or stock sales to optimize your tax position.
We focus on building carefully designed portfolios that complement your concentrated holdings while managing overall portfolio risk. Our expertise with individual stocks and bonds allows us to create diversified positions that align with your values and risk profile, gradually reducing concentration risk while preserving the upside potential of your core holdings when appropriate.
We can coordinate closely with your tax professionals and estate planning attorneys to ensure that our strategies for managing concentrated positions integrate seamlessly with your overall financial plan. We consider factors such as tax basis, holding periods, estate planning implications, and cash flow needs when developing implementation strategies.
Our ongoing relationship means we continuously monitor your concentrated positions and adjust strategies as market conditions, tax laws, and your personal circumstances evolve
