09/08/2026
If you have spent years building a career in tech, your equity compensation has likely done exactly what it was meant to do. It has built real wealth.
The question now is what that concentrated position becomes next, and that is rarely just an investment decision.
Say you diversify a portion of your vested shares this year.
That one move impacts your capital gains picture, the timing of future vesting, whether gifting appreciated shares beats gifting cash, and how the position sits inside your estate.
Your advisor sees the portfolio.
Your CPA sees the tax return.
Your estate attorney sees the documents.
But who is looking at how this single decision affects all three at once?
That gap is where value tends to get left behind.
In our experience, a concentrated position is a foundation to build from, not a problem to unwind in a rush. The work goes better when the investment, tax, and estate pieces are decided in the same room rather than separate ones.
If you are holding a concentrated position and weighing when to diversify, how to manage the tax exposure, or how gifting and estate planning fit in, schedule a conversation with our team:
https://financialjourney.com/schedule-consultation
