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Turn RSUs, ESPP shares, and years of stock appreciation into a coordinated plan for retirement, taxes, and long-term wealth.
Start HereHow do I organize my financial life?
Are we maximizing our RSUs?
Are we overpaying in taxes?
Should we have a Roth IRA?
What do we do with our old 401(k)?
Are my investments properly diversified?
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Planning Problems
Years of vested RSUs and ESPP purchases had quietly grown into a large Micron position
Unsure how much exposure to a volatile, cyclical stock was reasonable
Wanted to diversify without a surprise tax bill
Solution
We put Priya's equity in context within a full financial plan. Together we:
Quantified Micron as a share of her total and investable net worth
Built a tax-aware schedule for selling vested RSUs and ESPP shares as they became available
Coordinated the proceeds with retirement savings and a down-payment goal
Outcome
Priya now has clear guardrails for how much Micron she'll hold and a repeatable, unemotional process for diversifying as new shares vest.
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Planning Problems
A large and growing share of net worth tied to a single semiconductor stock
Worried about volatility derailing college and retirement plans
Didn't know how much concentration was "too much" for their family
Solution
We stress-tested their plan against Micron's well-known boom-and-bust cycles. Together we:
Modeled their net worth under a range of stock scenarios
Pressure-tested retirement and college funding at different concentration levels
Designed a gradual, goal-aligned diversification plan using tax-efficient sales
Outcome
Mark and Lauren can still participate in Micron's growth while protecting their family's long-term security with clear risk limits in place.
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Planning Problems
Significant equity across RSUs and performance-based PSUs with uneven timing
Subject to blackout periods and insider-trading restrictions
Concerned about making emotional, ad-hoc selling decisions
Solution
We built a structured, compliant strategy around David's constraints.
Mapped expected vesting and PSU settlement across the next several years
Established a Rule 10b5-1 plan to automate diversification within trading windows
Coordinated equity sales with multi-year tax planning and his retirement timeline
Outcome
David now diversifies on a disciplined, pre-set schedule that respects his trading restrictions and removes emotion from the decision.
