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.
Planning and diversification strategies may help manage certain risks but cannot eliminate market, tax, liquidity, concentration, or loss risks. Past performance is not indicative of future results. See important disclosures below.
A boutique firm built for exactly this problem.
GoalVest Advisory is a fee-only, SEC-registered investment advisor in New York City, managing over $850 million as of August 2026 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 financial advisors and their clients nationwide, managed investments for Ultra High Net Worth Individuals, and holds the CFA designation alongside an MBA from the Wharton School. She appears regularly on Fox Business News and was a contributor to Bloomberg, CNBC, and Kiplinger.
As a fiduciary, GoalVest generally charges asset-based advisory fees, which create conflicts of interest; additional conflicts are described in its Form ADV Part 2A.
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 charges an asset-based fee based on the level of assets we end up managing for you. No commissions, no up-front fee. If it's a fit, we charge on the assets that we manage in other investments, not in your concentrated stock.
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. We have other tools available that give you diversification without selling your stock if it's not the right time. 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?
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GoalVest works with clients who have $2M or more in investable assets.
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