Equity Compensation Planning

You worked hard for your equity. Most people never have a real plan for it.

RSUs sold at the default withholding rate. ISOs unexercised because nobody explained the AMT risk. A liquidity event that arrived without a plan. These are not rare mistakes.

They happen to smart, successful people every day.

At Concierge Wealth Management, equity compensation planning is not an add-on. It is a core part of how we manage your financial life. 

What We Help You Navigate 🧭

Restricted Stock Units (RSUs)
Taxed as ordinary income at vesting, often withheld at a flat rate that does not reflect your actual bracket. We work with you before vesting so nothing surprises you at tax time.

Liquidity Events
IPOs, acquisitions, tender offers, and 83(b) elections for founders all require decisions made under time pressure. Pre-event planning is everything. If a liquidity event is on your horizon, now is the time.

Incentive Stock Options (ISOs)
Favorable tax treatment, but only if navigated correctly. Exercise timing, AMT exposure, and qualifying dispositions interact in ways that create either significant savings or significant surprises. We model the scenarios before you act.

Non-Qualified Stock Options (NSOs)
Taxed as ordinary income at exercise. The spread hits your W-2 immediately and can push you into higher brackets or trigger other income thresholds. We help you time exercises strategically.

Restricted Stock Awards (RSAs)
An 83(b) election made within 30 days of grant can be one of the most valuable tax decisions an early employee or founder makes. Miss the window and it is gone permanently.

Employee Stock Purchase Plans (ESPPs)
The discount is an immediate return. But holding periods, disposition rules, and concentration risk matter. Most employees either under-contribute or hold too long. We help you do both correctly.

Concentrated Stock Positions
A single position representing a significant portion of your net worth is both an opportunity and a risk. We build disciplined, tax-efficient diversification strategies that protect what you have built.

What Inaction Costs

A client held $2,800,000 in a single company stock. Nearly 70% of their investable assets. They were hesitant to sell, worried about the tax bill, confident the stock would keep climbing.

We recommended a disciplined systematic diversification strategy. They chose to hold.

The position declined 40% over 18 months. More than $1,100,000 gone. Retirement pushed back by years.

The tax bill they were trying to avoid was a fraction of what they ultimately lost.

We cannot predict markets. We can build a plan that does not depend on being right about them.

How We Work

Every equity decision is evaluated in the context of your complete financial life. Income, portfolio, cash flow, family priorities, long-term goals. Coordinated with your CPA, integrated into your investment strategy, built around your actual life.

One point of coordination. Nothing falls through the cracks.

Who This Is For

A high earner in your 30s, 40s, or 50s with a meaningful equity grant. A senior executive managing multi-year vesting schedules. A professional navigating a liquidity event. Someone who already has an advisor but suspects the equity comp piece is not being handled well.

If equity compensation plays a meaningful role in your financial life, you need someone who understands it deeply and manages it deliberately.

We do.

Your equity should work as hard as you did to earn it.

📈 Let's build a plan around it.