You know you're overexposed. The hard part is what to do about it.
Most executives don't end up concentrated on purpose. It happens one vest at a time, one refresh grant at a time, until a single company's stock is carrying your mortgage, your kids' tuition, and your retirement at once.
The instinct is to hold. It's the stock that got you here. But the decisions that actually matter are the ones a hold strategy never asks:
When do you sell, and how much, without triggering a tax bill you didn't plan for?
How do ISOs, AMT, and your vesting calendar interact this year specifically?
What does diversification look like when a large sale means a large gain?
If the stock dropped 40% next quarter, does your plan survive it?
Every quarter you wait, the position grows and the choices get more expensive. That's not a portfolio problem you can trade your way out of. It's a planning problem — and it's the one GoalVest is built for.
From one ticker deciding your future to a plan you control.
Working with GoalVest doesn't mean dumping your stock or handing off a spreadsheet. The position stops being a source of quiet stress and starts being a managed part of a plan.
A boutique firm built for exactly this problem.
GoalVest Advisory is a fee-only, SEC-registered investment advisor in New York City, managing close to $800 million for high-net-worth individuals and families nationwide. Founder and CEO Sevasti Balafas built the firm on a specific idea: the planning that concentrated, high-earning executives need shouldn't require a $25 million family-office minimum to access.
Before founding GoalVest in 2017, Sevasti supported more than 150 independent advisors nationwide and holds the CFA® designation alongside an MBA from the Wharton School. She appears regularly on CNBC and Bloomberg.
A plan for the equity, not just the portfolio.
Map your situation
Your equity, vesting calendar, tax picture, and goals — brought together in one view.
Build the plan
Diversification and sales sequenced to your calendar and tax exposure, coordinated with your CPA and attorney.
Stay in control
One dedicated team, and a clear read on where you stand and what's next.
Built for executives, not everyone.
GoalVest works with clients who have $2 million or more in investable assets. Naming it up front is deliberate — it's the level where concentrated-stock planning, coordinated tax work, and estate strategy start to matter enough to justify a dedicated team.
An executive or senior employee with significant RSUs, ISOs, or NQSOs
Holding a concentrated position from an IPO, acquisition, or years of grants
Facing a vesting event, lockup expiration, or liquidity event
Aware you should diversify, but unsure how or when without a large tax hit
Questions worth asking first.
What happens in a first conversation?+
A focused discussion of your equity, your goals, and where the risk and tax exposure sit. No obligation and no pressure to move assets. You leave with a clearer read either way.
How much time does this take?+
The first conversation is short and low-effort on your end. If you decide to move forward, GoalVest does the heavy lifting of pulling the picture together — the point is to take work off your plate, not add it.
What if I already have an advisor?+
Many clients come to GoalVest with an existing advisor. The question isn't whether someone manages your money — it's whether your equity compensation is getting the specific, coordinated attention that concentrated positions and vesting schedules require. That's the gap GoalVest is built to fill.
Is $2M a hard minimum?+
It's the level where this kind of planning delivers the most value, and there's some flexibility for clients whose situation is growing quickly. If you're close and unsure, it's worth a conversation.
How is GoalVest paid?+
GoalVest is fee-only. No commissions, no product sales, which means no incentive to recommend one investment over another. The firm's fiduciary duty is to your interests.
Do I have to sell my company stock?+
No. The goal is a plan you're comfortable with, sequenced to your timeline and tax situation. Diversification is a decision you make with your advisor, not a condition of working together.
Advice as unique as your situation. Let's talk.
Answer two quick questions and, if we're a fit, book a 20-minute intro call — no obligation.
What are your investable assets?
Which best describes your equity?
Where are you in the timeline?
Pick a time that works — it's a relaxed 20 minutes.
GoalVest works with clients who have $2M or more in investable assets.
Leave your email and we'll share relevant resources — and reach out if your situation changes.
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