Plan the liquidity event before it happens.
Pre-IPO equity, RSUs, and low-basis public stock create high-urgency, high-value planning. We coordinate tax-managed diversification, loss-generation, and hedging overlays where suitability fits — integrated with the investment side.
What we hear most
“I have a concentrated position and a liquidity event on the horizon.”
If that resonates, the strategies below may be worth a conversation. What applies depends entirely on your facts — but we do not guess. We review the documents, propose, and implement.
Signals this is you:
Strategies That May Apply
Planning strategies relevant to Concentrated Equity
These strategies come up frequently for Concentrated Equity. Whether any of them applies — and to what degree — depends on your specific facts, timing, and documentation. We do not propose a strategy without reviewing the actual numbers first.
Tax-Loss Harvesting
InvestmentRealizing losses to offset gains may reduce current tax, subject to wash-sale rules. How much it helps depends on portfolio size, volatility, and your gain profile — no outcome is guaranteed.
Who it may fit: Taxable investors
Depends on your facts — may apply
Learn moreDirect Indexing
InvestmentHolding index components directly may create ongoing loss-harvesting opportunities and tax-aware customization beyond what a fund allows. Suitability depends on portfolio size and complexity.
Who it may fit: Larger taxable portfolios
Depends on your facts — may apply
Learn moreOptions Overlays
InvestmentCollars and covered calls may help manage risk around a concentrated position when suitability fits. These are nuanced strategies that depend on your goals, basis, and risk tolerance.
Who it may fit: Concentrated stock holders
Depends on your facts — may apply
Learn moreRoth Conversion Windows
RetirementConverting pre-tax dollars to Roth in lower-income years may reduce lifetime tax and future RMDs. The right amount depends on bracket, IRMAA thresholds, and timing.
Who it may fit: Pre-RMD retirees and low-income years
Depends on your facts — may apply
Learn moreServices We Provide
How we typically work with Concentrated Equity
These are the services most relevant to this client profile. Engagements are customized — we build the right combination based on your situation.
Tax Advisory
Financial planning for taxes — our flagship
Proactive, year-round tax planning instead of rear-view-mirror filing. We meet on a quarterly cadence, build projections, and evaluate which strategies may apply — so you understand your tax position before the year closes, not after.
Service detailsTax Preparation
Accurate, defensible federal & state returns
Preparation and e-file of federal and state returns — individual and entity — with correct treatment of complex forms like brokerage statements, K-1s, and real estate. Often coordinated with advisory so the return reflects the plan.
Service detailsOur Process
Document-first. Proactive. Year-round.
For Concentrated Equity, the typical engagement begins with a document review — prior returns, entity documents, and any relevant statements. We identify what may apply, propose a plan, and implement on a quarterly cadence.
Discovery call
20 minutes to understand your situation. No obligation — just clarity on whether there is enough value to work together.
Secure document upload
You upload prior returns and statements through our client portal. We review them before proposing anything.
Strategy proposal
We present which strategies may apply and why — with an honest assessment of where the value is and where it is not.
Quarterly implementation
Worst case we break the news in November. Best case we change the outcome. The proactive cadence is what separates planning from filing.
Two ways to start
Pick the path that fits your timeline
Book a Discovery Call
20 minutes · No obligation
Speak with a CPA directly. We will cover your situation, what may apply, and what a relationship looks like — honestly.
Schedule a CallStart a Document Review
Upload securely · We will follow up
Upload your prior return through our secure portal. We review and reach out within one business day with what we find.
Upload Documents SecurelyGet Started
Tell us about your situation as a Concentrated Equity
Send us a note and we will follow up within one business day. No pressure — we will tell you honestly whether there is enough value to work together.
- No hourly billing — straightforward engagements
- Proactive, quarterly tax advisory cadence
- Document-first: we review before we propose
- One relationship: CPA firm + SEC-registered RIA coordinated
Strategies we will evaluate
Whether any applies depends on your specific facts, timing, and documentation.
Other Profiles
Not quite your situation?
We work with a range of client types. If another profile fits better, start there.
Ready to see what may apply to your situation as a Concentrated Equity?
Book a discovery call or upload your prior return. We review the documents, propose, and implement — no guesswork.