When Compensation Becomes Concentration

For senior executives, a large share of net worth often arrives as equity in their own company. Restricted stock, options, and deferred compensation vest on the employer’s schedule, not the family’s, and the result is a growing position in the same company that pays your salary.

We incorporate equity grants and vesting schedules into the full balance sheet and evaluate how to diversify concentrated positions over time, within trading restrictions and company policy. Portfolios outside the company are constructed in-house to offset that concentration rather than add to it.

Decisions about exercising options, selling shares, or electing deferred compensation carry tax consequences. We coordinate with your CPA so those decisions are evaluated alongside the investment plan, and we revisit the strategy as new grants vest, your role changes, or retirement approaches.