Make your equity work as hard as you did for it.
RSUs, options, ESPP, concentrated stock—the timing and the taxes are where this gets won or lost, and where one company holds too much of your net worth. I'll build the plan, and Folio watches every vest and window so you act on purpose, not by surprise.
Equity asks more of a plan than salary does.
Each grant carries its own clock, tax treatment, and risk—and they rarely line up neatly with the rest of your financial life.
RSU vest planning
Timing of withholding, diversification, and reinvestment changes the long-term outcome materially.
Options & ISOs
Exercise timing, AMT exposure, and holding periods make this one of the most consequential planning areas.
ESPP optimization
Discount structure, holding strategy, and tax treatment can quietly add or erode meaningful value.
Concentration risk
How much of your net worth to keep in one company is among the most important decisions you'll make.
A framework for the whole equity stack.
Instead of treating each vest, exercise, or grant as a one-off event, we build a deliberate framework so decisions happen on purpose rather than by default.
A vest-and-sell strategy aligned with your risk tolerance and the broader plan.
Tax modeling around exercises, AMT, and the gaps default withholding leaves behind.
A diversification path to step concentration down without becoming reactive.
Coordination with the rest of the plan—retirement, cash flow, and major goals all considered together.
Make each vest a decision, not a default.
A short conversation about your equity, your timeline, and what you're building toward.
Schedule a Fit Call →