Titan Diversify
A smarter way to exit a concentrated position, with tax-loss harvesting to offset gains along the way.
Over 80% of publicly traded U.S. companies offer stock compensation, leaving many employees with a large % of their net worth in a single stock.
Selling outright can trigger a giant tax bill. Titan Diversify is built to solve that.
Direct Indexing can add 1.16%* in annual tax alpha, helping offset gains on your stock sales.
What is Titan Diversify?
Most tech employees accumulate significant wealth in a single stock or RSU position. It's a great problem to have, but it buries a critical risk: over 80% of your net worth tied to one company's performance. Selling outright triggers a massive tax bill. Doing nothing is its own kind of gamble. Titan Diversify is built to solve exactly this problem.
Titan Diversify in Practice
A Meta engineer came to Titan with 90% of his $6.7M net worth in a single stock, a problem that just got worse after a large new grant in early 2026. He was also being under-withheld on his RSUs by 15%, quietly building toward a surprise tax bill at year-end.
We paired specific Meta tax lots to sell $600K of shares with a minimal tax impact. Then we built a multi-year unwind plan, selling at each quarterly vest window, planning to reinvest into direct indexing, and maxing out a Mega Backdoor Roth to offset taxes on future growth.
READ thE CASE STUDY
Institutional strategy.
Accessible starting point.
Tax-efficient diversification for concentrated positions was historically reserved for investors with $5M+. We built the technology to bring that threshold down to $20,000 — and paired it with advisors who know how to use it.
How it Works
Concentrated stock. Controlled exit.
Step 1) We transfer your stock to Titan in-kind
No need to sell first. We accept your concentrated stock or RSU position directly, so the clock doesn't start on a taxable event the moment you engage us.
Step 2) We seed a Direct Indexing account
We open a DI account alongside your concentrated position. As the DI account begins trading, our algorithms start harvesting tax losses, building a reserve you'll use to offset gains from your stock sales.
Step 3) We sell your concentrated stock over time
Rather than dumping it all at once and facing a massive tax bill, we sell gradually — using the harvested DI losses to offset gains dollar-for-dollar as we go.
Key Facts
1
Direct Indexing Asset Class
U.S. Large Cap Equities
2
Est. Annual Tax Alpha
1.16% **
3
Fee
0.40%
4
Minimum Investment
$20,000
5
Liquidity
Daily
6
Direct Index
iShares Core S&P 500 (IVV)
7
Tax-Loss Harvesting
Algorithmic Scanning
Titan Direct Indexing vs. Traditional ETFs
1.16
%
Tax Alpha **
20,000
$
Minimum
Titan Direct Indexing is an advanced version of a diversified market ETF.
Broad diversification
Intraday trading
Algorithmic tax loss harvesting alpha
Personalization
Traditional ETF
0
%
Tax Alpha
0
$
Minimum
Traditional index ETFs can be a great option for low minimums.
Broad diversification
Intraday trading
No tax loss harvesting
No personalization
FAQs
What is Titan Diversify and how does it work?
Titan Diversify is our tax-efficient diversification product built for people with concentrated stock or RSU positions. Rather than selling everything at once and triggering a large tax bill, we transfer your position in-kind, seed a Direct Indexing account to begin harvesting tax losses, and sell your concentrated stock gradually over time, using those harvested losses to offset gains dollar-for-dollar.
How do I begin using Titan Diversify?
Get in touch with one of our Advisors. You can click the "Talk to an Advisor" button below.
What is the minimum to get started?
Titan Diversify requires a minimum of $20,000 to open an account. Comparable diversification products have historically required $5 million or more. Titan brought that number down so more investors can access the same institutional-grade tax strategy.
What happens to my existing tax lots?
We map out every lot you own: grant date, cost basis, holding period, and unrealized gain or loss. That analysis is the foundation of the plan. By choosing which lots to sell first, we can surface losses that act as a credit against your gains, often dramatically reducing what you actually owe.
How long does the diversification process take?
It depends on the size of your position and your tax situation, but most clients see meaningful diversification begin within the first week. The full unwind typically happens over multiple quarters, selling at each vest window and reinvesting proceeds into a diversified portfolio while the Direct Indexing account continues building your tax loss reserve.
Disclosures
* The example is illustrative and based on historical simulation data. Actual results vary based on market conditions, individual tax situation, and portfolio activity. Figures shown are hypothetical and do not represent actual client results.
** The 1.16% tax alpha figure is hypothetical and based on backtested analysis of a direct indexing portfolio that generated a 28.19% annualized after-tax return compared to 27.03% for a buy-and-hold benchmark. Derived from Apex Fintech Solutions' Direct Indexing backtest conducted over the period January 2013 through December 2024 using the following standard persona configuration: $100,000 starting AUM, 1% tracking error budget, 10% security bands, 1% band violation penalty, 20% maximum portfolio turnover limit, 80% maximum securities held, 43% short-term and 23% long-term capital gains tax rate, a tax penalty parameter of 10, and a monthly (22 trading days) rebalancing frequency. Titan's Direct Indexing product uses a $20,000 account minimum, a tax penalty parameter of 5, and a band violation penalty of 10%; all other parameters are consistent with the standard persona configuration above. The difference in results between Apex's standard persona configuration and Titan's configuration is not material to the figures provided. The tax rates used reflect the combined federal and state rate applicable to high-income investors in high-tax states such as California and may be higher than the rate applicable to your individual circumstances. Clients in lower tax brackets or lower-tax states will generally experience lower tax benefits than shown. Actual results will vary based on individual tax rates, account size, market conditions, contributions, and other factors. Backtested performance is hypothetical, does not reflect actual client results, and is not indicative of future performance.
Direct Indexing is available in taxable accounts only and is not appropriate for tax-advantaged accounts. Please note that the number of individual securities held in a Direct Indexing account varies based on account size and may be significantly fewer than the full 500 constituent securities of the S&P 500® index. Tax-loss harvesting is not guaranteed to reduce your tax liability in any given year. Harvesting opportunities depend on market conditions, portfolio composition, your individual cost basis, and the timing and size of contributions. Harvested losses defer taxes rather than eliminate them. Harvested losses that exceed your realized capital gains in a given year can only offset up to $3,000 of ordinary income annually (or $1,500 if married filing separately). Losses in excess of this amount are carried forward to future tax years. Titan does not provide tax advice and nothing in this content is a substitute for the advice of a qualified tax advisor, as Titan is not a tax professional. Please consult a qualified tax professional regarding your specific circumstances. Individual experiences and outcomes vary based on unique circumstances. Tax laws are complex and subject to change. Tax-loss harvesting opportunities are generally greatest shortly after initial funding and may diminish over time as securities appreciate. Any hypothetical or illustrative figures shown are based on assumptions that may not reflect actual market conditions or individual circumstances. Hypothetical performance does not represent actual results and is not a guarantee of future outcomes.
The S&P 500® index is a product of S&P Dow Jones Indices LLC ("SPDJI"). Standard & Poor's® and S&P® are registered trademarks of Standard & Poor's Financial Services LLC. Titan's Direct Indexing is designed to track the S&P 500 using the iShares Core S&P 500 ETF (IVV), a product of BlackRock, Inc., as a benchmark proxy. This product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, BlackRock, iShares, or any of their respective affiliates, and none of such parties make any representation regarding the advisability of investing in this product. Your Direct Indexing portfolio may hold a subset of S&P 500 constituent securities and is not designed to replicate the index exactly. Performance and volatility may differ materially from the S&P 500 or IVV due to factors including cash flows, rebalancing, tax-loss harvesting, securities sampling, transaction costs, and index composition changes. The S&P 500 is an unmanaged, market capitalization-weighted index representing U.S. large cap equity performance. Benchmark returns referenced herein include reinvestment of dividends and do not reflect advisory fees, transaction costs, tax effects, or other expenses that would reduce actual returns.
The views, opinions, and descriptors used should not be construed as promises of quality or guarantees of performance or future results. When Titan refers to “same,” “mirrors,” “tracks,” in connection with an index, these terms describe the investment objective of the Direct Indexing offering and do not represent a guarantee of equivalent returns, tax savings, or investment outcomes. Actual results will vary based on market conditions, individual tax circumstances, and portfolio activity. References to “tax loss points bank” refer to the accumulated harvested losses available to offset future capital gains, also referred to as a tax loss reserve. References to tax-loss harvesting adding 1%–2% in excess returns are based on third-party academic research. Direct Indexing is subject to market risk and is not guaranteed to generate a specific outcome or increase after-tax returns. The mention of specific securities, asset classes, or investment strategies does not constitute a recommendation or endorsement.
For more information, see Direct Indexing Risks and Disclosures.