Concentrated Stock & RSU Strategy (Without Rushed Decisions)

Disciplined, tax-aware investment management for investors with $1M+ in investable assets. Serving the San Francisco Bay Area from Walnut Creek, CA.

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Who is this concentrated stock and RSU strategy for?
This is designed for investors with $1M+ in investable assets whose net worth is meaningfully tied to a single stock, sector, or equity compensation (such as RSUs). We serve the San Francisco Bay Area, based in Walnut Creek, CA.
What problem does concentrated stock create for high-net-worth investors?
Concentration can quietly turn a strong financial picture into a fragile one. A single company event—earnings, regulation, leadership changes, or sector drawdowns—can have an outsized impact on your net worth. The goal is to reduce risk thoughtfully, without reacting emotionally.
Is it always best to sell concentrated stock?
Not always. The right approach depends on your goals, risk tolerance, tax situation, time horizon, and liquidity needs. Concentration decisions often involve tradeoffs, including taxes and opportunity cost.
How does Index Gurus approach diversification from a concentrated position?
We typically use a disciplined framework: assess concentration risk and downside exposure, clarify goals and constraints, evaluate tax considerations, and design a staged plan that balances risk reduction with long-term investment objectives.
Can you help with RSUs and equity compensation decisions?
Yes. We can provide tax-aware investment management guidance related to equity compensation and help coordinate planning considerations alongside your tax professional. We aim to align decisions with your overall portfolio risk and long-term goals.
Do you time sales based on short-term predictions?
No. We avoid “headline timing” and focus on disciplined planning frameworks, risk management, and after-tax considerations rather than short-term forecasts.
What happens after we diversify—how is the new portfolio managed?
Diversification is only step one. We build a portfolio aligned to your objectives and risk tolerance, then monitor and manage it through ongoing investment discipline, rebalancing, and after-tax awareness as circumstances evolve.
Do you guarantee tax outcomes or investment results?
No. Tax outcomes depend on individual circumstances and tax law, and investment results are not guaranteed. All investing involves risk, including the possible loss of principal. Our focus is disciplined decision-making, risk-aware portfolio construction, and transparency around tradeoffs.
How do I request a concentrated stock or RSU consultation?
You can request a private consultation here: https://www.indexgurus.com/contact-us

Index Gurus, Inc. is a fee-only registered investment adviser. Advisory services are provided only to clients where Index Gurus, Inc. is properly registered or exempt from registration. Serving the San Francisco Bay Area from Walnut Creek, CA. Registration does not imply a certain level of skill or training. All investing involves risk, including the possible loss of principal. Any discussion of strategies is for educational purposes and does not constitute a recommendation to buy or sell any security. Tax considerations are general in nature— please consult your tax professional for advice regarding your specific situation.