Concentrated-risk management
When a significant portion of your wealth is concentrated in a single stock, business, or asset, the planning challenge is not just investment risk — it is the intersection of taxes, liquidity, timing, and emotion.
Key Offerings
Systematic diversification strategy
We design a multi-year sale and reinvestment programme that reduces concentration while managing capital gains exposure across ordinary income, long-term gains, and net investment income tax brackets.
Collar and hedging strategies
Exchange-traded collars, protective put overlays, and variable prepaid forwards create downside protection on large single-stock positions without triggering immediate capital gains — preserving optionality while reducing risk.
Exchange funds
For qualifying concentrated positions, exchange fund participation allows diversification without immediate tax recognition, subject to holding period and diversification requirements.
Charitable integration
Donating appreciated shares directly to a donor-advised fund or charitable remainder trust eliminates embedded gains, generates a deduction, and replenishes the portfolio with diversified holdings.
Insider and restricted stock strategies
For clients with insider trading considerations, Rule 10b5-1 plans and pre-arranged sale programmes enable systematic diversification within compliance constraints.
Ready to discuss concentrated-risk management?
Our advisors will explain how our capabilities apply to your specific situation — honestly and without obligation.
- Business owners prior to or following a liquidity event
- Executives with significant employer stock concentration
- Families with inherited concentrated positions
- Clients with single-stock positions exceeding 20% of net worth
The case for
acting now
Concentration is how wealth is built. It is also how wealth is lost. A single business or stock that represents 70% of a family’s balance sheet subjects that family’s financial security to the operational risk, competitive risk, and market risk of one entity. Systematic concentration reduction — executed with tax awareness — is one of the highest-value planning activities available.
01
Concentration audit
We quantify the concentration exposure, model the tax cost of various diversification approaches, and establish a clear baseline for the planning.
02
Strategy selection
We evaluate systematic sale, collar, exchange fund, and charitable strategies against your specific tax situation, liquidity needs, and risk tolerance.
03
Implementation and compliance
We execute the selected strategy in coordination with your broker, custodian, and compliance department — particularly for clients with insider trading restrictions.
04
Portfolio reconstruction
As positions are reduced, we reinvest proceeds into a diversified, tax-aware portfolio aligned with your long-term investment policy statement.
Tax reduction strategies
Planning around income, equity compensation, charitable giving, trusts, and liquidity events.
Cross-border planning coordination
Helping families navigate wealth that spans multiple legal and tax environments.
Liquidity-event planning
Preparation before and after business sales, recapitalizations, and major balance-sheet changes.
Estate and trust coordination
Making sure your documents, ownership, beneficiaries, and family goals still fit.
Integrated wealth strategy
Bringing taxes, investments, protection, family planning, and implementation into one framework.
Start with a conversation
Good advice begins with understanding. We start by listening carefully, asking the right questions, and helping you clarify what matters before any recommendations are made.