Diversify your concentrated position without a massive tax bill
Whether it's company stock, RSUs, a post-IPO windfall, or an inherited position — holding a concentrated position is one of the most dangerous things a high-net-worth investor can do. We specialize in unwinding it intelligently.
Four types of concentrated wealth — one solution
Concentrated positions come from different places. The tax and diversification strategy depends on how you got there.
Corporate Executives
RSUs vesting, stock options expiring, and blackout periods make diversification complicated — and urgent.
Post-IPO Employees
Your startup went public. The lock-up expired. Now you have life-changing wealth concentrated in a single volatile stock.
Long-Term Holders
You bought Apple at $10. The position has grown 10x — and the embedded gain feels impossible to touch.
Inheritors
You inherited a large single-stock position. We help you understand your actual tax exposure — which may be far less than you think.
Five ways to intelligently diversify
Not all concentrated positions are equal. The right strategy depends on your cost basis, timeline, tax bracket, income needs, and legacy goals.
Direct Indexing
Own individual stocks that replicate an index, then harvest losses to offset gains from selling your concentrated position.
Tax OffsetEquity Collars
Protect your downside with a put option while capping your upside with a call — locking in value without triggering a taxable sale.
Tax DeferralCovered Calls
Generate income from your concentrated position while you develop your diversification strategy. Can be structured to align with your exit timeline.
Income GenerationCharitable Remainder Trust
Donate appreciated stock to a CRT, receive an income stream for life, and let the trust sell the position tax-free.
PhilanthropyExchange Funds
Pool your concentrated stock with other investors' positions, receiving a diversified basket in return — potentially without triggering capital gains.
Tax DeferralOften: A Combination
The most effective plans layer multiple strategies. We design the combination that fits your situation.
BespokeA clear four-step process
Most advisors give you generic advice. We build a custom plan around your specific position, cost basis, and tax situation.
Position Analysis
Full picture of cost basis, embedded gains, vesting schedule, and blackout dates.
Tax Modeling
We model 5–10 scenarios showing the after-tax outcome of each path.
Strategy Design
Custom recommendation combining the strategies that fit your timeline and goals.
Execution
We handle implementation, coordinate with your CPA, and track results over time.
5 Tax-Smart Ways to Diversify a Concentrated Position
A practical guide to the five most effective diversification strategies — when each applies, what it costs, and how to combine them.