Free Educational Snapshot
What is your company-stock position really asking you to decide?
Enter a few planning assumptions to estimate concentration, embedded gain, downside exposure and the immediate tax tradeoff of diversifying. Nothing is submitted until you request a private review.
Portfolio concentration
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Embedded unrealized gain
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Estimated full-sale tax*
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Net proceeds after est. tax*
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The cost of remaining concentrated
Illustrates a decline in the stock position only. It does not predict future performance.
20% decline
35% decline
50% decline
Compare Paths
What happens to the amount you want to diversify?
| Path | Amount | Tax timing | Tradeoff |
|---|---|---|---|
| Sell now | Immediate liquidity; realizes gain now. | ||
| Stage sales | Diversifies over time; future price/rate uncertainty remains. | ||
| Exchange / in-kind review | Potential deferral only if eligible | Eligibility, liquidity, fees and structure-specific rules matter. |
*Simplified estimate. Basis is applied proportionally to the shares sold. Federal long-term capital gains are stacked on the other taxable income entered, using the 2026 brackets, and the net investment income tax is applied above the statutory threshold. It is still only an estimate: it does not model short-term gains, AMT, the additional Medicare tax, deductions, losses, carryforwards, credits, phase-outs, alternative filing statuses, state-specific rules, transaction expenses, RSU/ESPP treatment or any other tax item, and it assumes the income you entered stays unchanged in every year shown. Your actual tax will differ. Confirm any number here with your tax adviser before acting on it.
Your Next Level of Analysis
Your public snapshot identifies the problem. A custom exit strategy determines how the pieces may work together.
There are additional tax-aware, charitable, estate, hedging, exchange and liquidity techniques that may be relevant in some situations. They are not automatically displayed as recommendations online because whether they help depends on facts a simple calculator cannot responsibly evaluate.
The private review identifies which tools deserve modeling, which do not and whether a coordinated combination could improve the balance between tax cost, diversification, liquidity and control.
$2,000
Custom Concentrated Stock Exit Strategy