When your equity becomes
liquid, the stakes change
Why this moment is high-stakes
A single stock can quickly dominate your net worth
Taxes can compound across vests, sales, and years
Selling too fast or too slowly can materially change outcomes
These decisions repeat every vest, quarter, and year
How Titan helps at this stage
Reduce concentration while managing tax impact
See Disclosure
Newly liquid equity often creates outsized single-stock risk.
We design phased, tax-aware selling strategies that reduce concentration over time, without triggering a large tax bill at once.
For some clients, selling at vest minimizes taxes. For others, holding selectively makes sense.
The right approach depends on your full picture, not a rule of thumb.
Coordinate equity with the rest of your portfolio
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Public equity shouldn’t live in a silo.
We integrate IPO equity, RSUs, brokerage accounts, retirement assets, and cash into a single strategy, so decisions are made in context, not in isolation.
Make tax-aware selling decisions before you're forced to
See Disclosure
Once shares vest, every choice has tax consequences:
- Ordinary income vs. capital gains
- AMT unwind considerations
- Timing across tax years and income levels
We help clients decide in advance, so selling isn’t driven by deadlines, price swings, or surprise tax bills.
Avoid reactive decisions at the wrong price
See Disclosure
Markets move. Blackout windows happen. Life gets busy.
Having a plan ahead of time helps prevent:
- Panic selling during drawdowns
- Holding too long out of inertia
- One-off decisions that quietly derail long-term strategy
Not liquid yet?
Planning looks different.
plan before liquidity
What this looks like in practice
RSU vesting and public-company equity sales
We regularly work with clients at Amazon, Apple, Meta, Tesla, and many other public companies.
Ongoing tax coordination, year after year
We can plan around taxes before vesting, sales, and filing deadlines.
Diversification after IPO without over-correcting
We turn concentrated equity into diversified portfolio allocations over time.
Talk through your equity situation
talk to an advisor
Jack Sullivan, Director of Wealth Advisory
"I work with big tech clients every day navigating RSU taxes, liquidity, and concentration risk. These aren’t edge cases, they’re recurring decisions. In a short conversation, we help clients understand their tradeoffs and leave with a clear plan tailored to their equity and tax reality."
FAQs
Why should I trust Titan with major financial decisions?
We're a fiduciary, meaning we're legally obligated to act in your best interest. We're deeply independent - we're not owned by a large financial institution and our advisors aren't paid on product sales - and transparency is a core tenet of our mission.
Who will I actually be working with?
You'll work with experienced advisors who specialize in high-stakes financial moments - many come from top-tier wealth management firms and have guided clients through hundreds of transitions. You're not handed off to junior staff; you get senior expertise from day one.
What does "fiduciary" mean, and how does it protect me?
It means we're legally required to put your interests ahead of our own in every decision we make. Unlike brokers or commission-based advisors, we can't recommend products because they benefit us - our recommendations must be in your best interest.
How does Titan's fee structure work, and why is it different?
We charge a transparent 0.4% advisory fee on assets under management, with no commissions or product sales. This aligns our incentives with yours - we do well when you do well, and we're not incentivized to recommend products that benefit us over you.
How do you stay current on changing tax laws and market conditions?