See if you're a fit

Concentrated Stock & Equity Compensation

The stock that built your wealth might not be the one that protects it.

Maybe it came from an IPO, equity compensation, or simply choosing the right investment years ago. However it happened, one position is now an outsized part of your balance sheet. It’s a remarkable opportunity. It also needs to be addressed. The earlier you plan, the more options you keep.

Book a Discovery Call

Hold forever or sell and pay taxes. What if there's another path?

Most people hold their concentrated stock position because selling feels like a penalty for being right. The CURRENTS approach treats a potential tax bill as a variable to manage. You have options, some simple, some complex. Finding the right way out is exactly what we do.

How We Work

From one position to a full strategy.

Your Position
The CURRENTS Approach
Model what you own Map the tools that fit Create the exit

The Toolkit

Which tools apply depends on your position, your timeline, and your goals. Most situations use several together.

Staged Liquidation

Selling systematically across multiple tax years, against a capital gains budget you set. You stay in control of the timing.

Options Overlays

Protecting the downside of a position you still hold, and in some cases generating income while you plan the exit.

Exchange Funds

Diversifying a large position without triggering a sale, by pooling it with other concentrated holders.

Direct Indexing + Tax-Loss Harvesting

A portfolio built to systematically generate losses that offset your gains as you unwind the position.

Long/Short Overlays

For larger positions that need a more aggressive exit path, hedging exposure while the unwind runs.

Equity Comp Planning

Exercise timing, vesting schedules, and AMT exposure, coordinated so your compensation doesn't deepen the concentration.

Charitable Giving Strategies

Donor-advised funds and charitable trusts that turn appreciated shares into impact, eliminating or deferring the gain on what you give.

Gifting & Estate Integration

Moving appreciated shares to family or trusts as part of the exit, so the position serves the people it was built for.

Securities-Based Lending

Accessing liquidity from the position without selling it, useful as a bridge while the longer exit plan runs.

For information only, not advice, and not a complete list of the strategies we consider. Each requires careful evaluation, and suitability varies by situation.

One Coordinated Strategy

Everything, working together.

Built entirely around you. Detailed enough to guide the year, simple enough to share at the dinner table.

Income

The position becomes cash flow you can actually plan around.

Investments

The unwind feeds a diversified portfolio built for what comes next.

Taxes

Every sale, exercise, and gift weighed for what you keep.

Estate

Appreciated shares moved with intention, not by default.

This is for you if…

A single stock is more than 10% of your net worth.

You want to diversify, but the tax bill keeps stopping you.

You're ready to retire, but unsure if one stock helps or hurts.

Start With a Conversation

The position you've been meaning to address.

An introduction to talk through where you stand and the decisions ahead. No commitment, no pressure, just a clear sense of whether we're the right fit.

Book a Discovery Call