Personal & Family

Concentrated Stock & Executive Equity Strategies

A single stock position can build extraordinary wealth — and then quietly become your biggest financial risk. If more than 20% of your net worth sits in one company's stock, you have a concentration problem. We help executives, founders, and long-term employees diversify thoughtfully — seeking to minimize tax, preserving cash flow, and staying compliant with insider trading rules.

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Who We Help

  • Tech and biotech executives with RSUs, ISOs, NSOs, and ESPP shares
  • Founders and early employees with concentrated founder stock or pre-IPO holdings
  • Long-tenured corporate employees whose 401(k) holds heavily appreciated company stock
  • Anyone whose single-stock holding exceeds 20% of their investable net worth

Diversification Strategies We Use

  • 10b5-1 trading plans that let insiders sell systematically without triggering blackout or compliance issues
  • Charitable remainder trusts (CRTs) and donor-advised funds for tax-efficient giving of appreciated stock
  • Net Unrealized Appreciation (NUA) analysis for company stock inside a 401(k) at retirement

RSU, Stock Option & ESPP Planning

  • Vesting and tax-withholding modeling for RSUs (often under-withheld at the supplemental 22% rate)
  • ISO vs. NSO exercise timing and AMT planning
  • Section 83(b) elections for founders and early-stage employees
  • QSBS (Qualified Small Business Stock) analysis for potential federal tax exclusion

Frequently Asked Questions

What is a 10b5-1 plan?

A 10b5-1 plan is a pre-established written trading schedule that lets corporate insiders sell stock without violating insider-trading rules, even during blackout periods. It's a foundational tool for executive diversification.

Should I exercise my ISOs all at once?

Usually not. Exercising ISOs can trigger the alternative minimum tax (AMT). We model multi-year exercise schedules to stay below AMT thresholds while building long-term capital gains treatment.

What is NUA and when does it matter?

Net Unrealized Appreciation lets you move company stock out of a 401(k) at retirement, pay ordinary income tax only on the basis, and pay long-term capital gains rates on the appreciation. It can save substantial tax for long-tenured employees of public companies.

Ready to Talk?

Let's start the conversation.

Every plan begins with a complimentary, no-obligation conversation about your goals.

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My 360 Wealth Management Group, Global Retirement Partners and LPL Financial do not provide tax or legal advice. Please consult your tax advisor or attorney for guidance specific to your situation.

LPL Financial representatives offer access to Trust Services through The Private Trust Company N.A. an affiliate of LPL Financial.

Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.

Investing in ETFs involves risk, including possible loss of principal, as well as risks related to diversification, trading interruptions, and tracking accuracy. Their market value will fluctuate and may trade above or below their net asset value (NAV), and upon redemption, ETF shares may be worth more or less than their original cost.

Investing involves risk, including possible loss of principal. There is no guarantee that the views or strategies discussed will be suitable for all investors, achieve desired results, or protect against loss. Investors should consult a financial professional to determine what may be appropriate for their situation.