RSUs that vest on a schedule, options with an expiration date, an ESPP that keeps buying, and a position that has quietly become the largest line on your balance sheet. The question is not whether to diversify. It is how to do it deliberately, on a schedule, without ignoring the tax bill or the trading window.
An independent, SEC-registered investment adviser. A second set of eyes, with no product to sell.
Most people holding meaningful company equity are weighing these moving parts at the same time, each with its own timing and its own tax treatment. Modeling the position as a single number hides the decisions that actually matter.
Taxed as ordinary income at vest, whether or not you sell. The shares you keep are a new, active decision every quarter.
Exercise timing, the spread, AMT exposure, and an expiration date that does not wait for a convenient market.
A standing instruction that keeps adding to the same position, often the last thing anyone revisits.
Long-term versus short-term treatment across many lots, where the order you sell in changes the bill.
Blackout periods and insider rules that limit when you can act. A 10b5-1 plan can take the timing decision off your desk.
Selling outright, an exchange fund, or charitable timing through a donor-advised fund, each with different tax and liquidity tradeoffs.
Appreciated shares are often the most tax-efficient thing to give, in both the April and October tax-planning windows.
Whether everything you own outside the position quietly leans the same direction as your employer.
The position that made you wealthy and the position that protects your wealth are rarely the same one. The hard part is moving from the first to the second on a schedule, before the market or a blackout makes the choice for you.
Kathmere is an independent, SEC-registered investment adviser. We are not selling a product and we are not paid on commission. The second opinion is exactly that: an outside read on the position you already hold, and the decisions hiding inside it.
A review sits alongside whatever planning you have today. It is due diligence on what may be the largest and most concentrated asset you own, and it costs you nothing.
The review is free and carries no obligation. It is a conversation and a written summary, not a pitch.
We look at the position, the vesting ahead, and the rest of your balance sheet as one connected picture.
For any one holder, the decision usually turns on one or two named levers. We help you see which two.
You keep our notes, whether or not we ever work together.
Diversifying a single position rarely stands on its own. It runs into your tax year, your estate plan, your charitable giving, and the rest of the balance sheet. For families who want all of that coordinated in one place, rather than spread across an adviser, an attorney, and a CPA who never speak, we built the Efficient Family Office™.
One CFP® who owns the whole picture, so the work happens by design, not by committee.
CFA-led research and portfolio construction across public and private markets.
A practicing attorney on the team, keeping the estate plan and tax strategy current through the year.
Reporting, money movement, and coordination handled, so advice is the work, not paperwork.
The result is integrated work, without the staff or cost of a traditional family office.
Nick Olesen, CFP®, CPWA®, is a Principal at Kathmere Capital Management, an independent, SEC-registered investment adviser in Wayne, Pennsylvania. He wrote Command Your Wealth, and a meaningful part of his practice is the planning behind concentrated equity: vesting calendars, 10b5-1 plans, exchange funds, charitable timing, and the single-stock concentration that comes with a successful company career.
A few details and Nick will be in touch personally. No call center, no sequence of sales emails.
Thank you. Nick will reach out personally within one business day. If you would rather grab time now, you can book 20 minutes directly at meetings.hubspot.com/nick-olesen.
Good, and many of the people we talk with do too. An independent second opinion is simply due diligence on what may be the largest and most concentrated asset you own. It sits alongside what you have and costs you nothing. The review is designed to identify items that may warrant a closer look.
That is the common case. Most of the value is in turning it into a schedule, so the decision happens on a calendar instead of in a stressful week.
There is not one. One conversation, a written summary, and you decide what happens next.