Make Smarter Decisions With Your Equity Compensation
Coordinate grants, taxes, vesting, and portfolio strategy with a disciplined plan built for RSUs, stock options, and concentrated employer stock.
Book Your 15-Minute Fit CallWhy Equity Compensation Gets Complicated
Equity compensation often looks valuable on paper long before it feels manageable in real life. Decisions around vesting, exercising, holding, selling, taxes, blackout windows, and concentration risk can become expensive quickly without a coordinated plan.
Tax Surprises
AMT, withholding gaps, RSU vesting events, and option exercise decisions can create unexpected tax consequences.
Too Much in One Stock
Many professionals accumulate meaningful wealth in a single employer position without a clear diversification plan.
Scattered Information
Grant dates, vesting schedules, expiration timelines, and plan documents often live in too many places.
Decision Pressure
Employees are often forced to make high-stakes decisions inside narrow trading windows or emotionally charged market moments.
No Integrated Strategy
Compensation decisions are often disconnected from retirement planning, cash flow, charitable goals, and family planning.
The CURRENT Framework
We use a structured process to help equity-compensated professionals make better decisions over time, not just at one vesting event.
We clarify where you're headed—your goals, cash needs, and timelines—so every decision supports what matters most.
We organize all your equity details, including grants, vesting, expirations, blackout windows, and plan documents, in one place.
We model tax-smart paths for exercising, holding, or selling—factoring AMT, ISO/NSO rules, ESPP, and charitable options.
We define clear rules such as a trading policy, Investment Policy Statement, and cash-flow guardrails so you do not have to decide in the heat of the moment.
We implement the plan, align your portfolio, and prepare for upcoming vesting dates and trading windows with proactive checklists.
We coordinate with your CPA and attorney, optimize benefits, and adjust as compensation, markets, or life events change.
We monitor grants, taxes, and progress with a quarterly scorecard and an annual service calendar to keep everything on schedule.
Questions Professionals Ask Before They Decide
Equity compensation creates decisions that extend far beyond a single vesting date. Timing, taxes, concentration risk, and career transitions all intersect. These are the questions we help clients navigate before the trading window opens.
The default action for many is to do nothing, which is actually an active decision to remain concentrated.
We help you build a framework to evaluate whether holding aligns with your overall portfolio strategy, cash flow needs, and tax situation, or if a systematic selling strategy is safer.
A clear rulebook removes the emotion from this decision. →RSUs, NSOs, and ISOs are all taxed differently, and surprises at tax time are common and expensive.
We model out the exact tax implications of your vesting events and exercise decisions—including the risk of Alternative Minimum Tax (AMT)—so you can plan your cash flow accordingly and avoid withholding penalties.
Pre-planning your tax liability is critical for equity holders. →Your salary, benefits, and equity are all tied to one company's success. That is a massive amount of concentrated risk.
We help you measure exactly how much of your net worth is tied up in employer stock, and design a tax-efficient diversification plan to protect the wealth you have already built.
Protecting your wealth is just as important as accumulating it. →Timing is everything, and waiting until expiration forces your hand in unpredictable market conditions.
We analyze the intrinsic value, time value, and tax implications of your options to determine the optimal timeline for exercising, preventing you from leaving money on the table or paying unnecessary taxes.
Don't let expiration dates dictate your financial strategy. →Leaving a company triggers a cascade of strict deadlines for your unvested and vested equity.
Before you give notice, we help you understand exactly what equity you are leaving behind, what options you must exercise within 90 days, and the cash flow required to execute those decisions.
Never make a career move without mapping the equity impact first. →Equity compensation should not exist in a vacuum; it is the fuel for your long-term financial independence.
We integrate your vesting schedules and expected proceeds directly into your retirement projections, showing you exactly how today's equity decisions impact your timeline for retirement.
Align your compensation with your ultimate lifestyle goals. →Highly appreciated stock is one of the most powerful tools for charitable giving.
We help you utilize strategies like Donor Advised Funds to gift highly appreciated shares, eliminating capital gains taxes while maximizing your philanthropic impact and your charitable deductions.
Charitable planning is often the most tax-efficient way to handle concentrated stock. →Decision fatigue leads to inaction. Automation ensures execution.
We help you define clear, pre-set rules for your equity—such as immediately selling RSUs upon vesting to fund diversification—so you aren't forced to agonize over every single market fluctuation.
Systematize your strategy to remove the stress of constant decision making. →Want to talk through the questions most relevant to your situation?
A 15-minute fit call is a simple place to start. We can help identify which questions deserve attention now and which ones can be sequenced over time.
Book Your 15-Minute Fit CallBring structure to your next vesting decision.
A 15-minute fit call is a simple way to understand your situation, answer initial questions, and see whether a more coordinated planning approach makes sense.
Book Your 15-Minute Fit CallNo prep needed. We will review your goals and outline possible next steps. If helpful, you can bring your latest grant or benefits summary, but it is entirely optional.