Lower pressure
Share source
Long-held taxable investment
Source affects records, restrictions, tax lots, employment risk, and review needs.
Planning Tools
Worksheet
Concentrated Stock Exposure Check
Review how much of the household balance sheet depends on one position, then identify whether the next review should focus on monitoring, staged diversification, risk reduction, or coordinated planning.
ConcentrationTax PlanningLiquidity
Exposure Snapshot Board
Where concentration shows up
A concentrated position is not only a portfolio number. It can affect liquidity, taxes, employment risk, sale access, goal funding, charitable strategy, and estate planning.
High priority
Tax friction
Large low-basis gain
Tax cost can shape the schedule, tax lots, gifting choices, and order of operations.
Lower pressure
Sale access
No known restrictions
Trading windows, restricted shares, lockups, private shares, or insider status can control timing.
Review needed
Planning overlap
Charitable giving
Giving, estate, trust, inheritance, or step-up questions can change whether selling comes first.
Professional review signals
- A large low-basis gain deserves tax-lot and timing review before selling or gifting shares.
- Charitable giving with appreciated shares should be coordinated before selling everything for cash.
How to use this worksheet
Use the worksheet before the position becomes the plan.
01
Measure the exposure first
Compare the position with net worth, investable assets, and liquid assets before deciding whether the issue is risk, tax, access, or timing.
02
Add the planning context
Source, tax cost, sale restrictions, goal pressure, charitable strategy, and estate questions can change the order of operations.
03
Use the lane as the next review
The result is not a trade recommendation. It points to monitoring, staged diversification, risk reduction, or coordinated professional review.
About this model
A concentrated-position review, not a sell recommendation.
This worksheet organizes a concentrated position across the household balance sheet and then adds the context that often changes the right sequence: taxes, restrictions, goals, charitable intent, and estate planning.
The model is designed to clarify the next review, not to decide whether to hold, sell, gift, hedge, transfer, or exercise shares.
Bring the concentration question into focus.
If one position is carrying an outsized share of the plan, review tax lots, liquidity, trading restrictions, charitable options, estate context, and the broader allocation with PeakStone.