Before liquidity, you have major
equity decisions to make
Why this moment is high-stakes
Equity can quietly become most of your net worth, before you can sell it
Exercise timing can materially change your tax bill (ordinary income, AMT, capital gains)
Liquidity windows force irreversible decisions, fast
Deadlines, blackout windows, and company rules limit flexibility
How Titan helps at this stage
Model decisions before deadlines force them
The biggest risk is not market timing. It is making a permanent decision without seeing the full picture.
We build equity and liquidity models that compare exercising, waiting, tender participation, and holding. Each option is evaluated across taxes, cash needs, and future outcomes so decisions are made deliberately, not under pressure.
Align exercise timing with liquidity planning
Exercising too early or too late can materially change both taxes and cash requirements.
We help clients plan exercise timing alongside liquidity so they can cover taxes, exercises, and life needs without being forced into sales at the wrong time.
Understand taxes before they surprise you
Every equity type has different tax consequences.
We help clients understand how ISOs, NSOs, and RSUs impact ordinary income, capital gains, and potential AMT exposure. Timing decisions are evaluated across multiple years, not just the current one.
Make intentional decisions, not one-off calls
Tender offers are rare. Liquidity windows close quickly.
We help clients decide in advance so choices are not driven by deadlines, price swings, or incomplete information. The goal is to preserve upside without creating avoidable regret.
Already liquid?
Planning changes once shares can be sold.
What this looks like in practice
Exercise and tender decisions for private-company equity
We regularly work with employees at late-stage private companies like SpaceX, Anthropic, and OpenAI who face tender offers or upcoming liquidity events.
Ongoing tax coordination, year after year
We plan ahead of exercises, tenders, and filing deadlines — not after the fact.
Managing concentration before liquidity arrives
We help clients understand "paper wealth," concentration risk, and what diversification could realistically look like post-liquidity.
Don’t wait until the deadline
Jack Sullivan, Director of Wealth Advisory
"Most pre-IPO clients don’t realize how early the real decisions start. By the time a tender offer or IPO window opens, the best options are often already off the table. We help clients slow the moment down — model the scenarios, understand the tax impact, and make decisions with clarity instead of pressure. The goal isn’t to predict the future. It’s to make sure no one looks back wishing they’d planned sooner."
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?