Retirement with concentrated stock
30-year plan stress-tested against a 50% employer-stock drawdown.
Retirement with concentrated stock
How a 50% drawdown in your employer stock year five affects a 30-year retirement plan. Not Monte Carlo; just a deterministic illustration.
How to read the result
This is a deterministic illustration, not a Monte Carlo. It compares two scenarios: the concentrated position returning at its expected rate every year, vs. the position dropping by the specified shock in a specified year.
This tool is educational. It uses 2025 single-filer federal brackets, a simplified state-tax model, and does not substitute for a CPA review of your specific facts. For a second set of eyes on a meaningful event, match with a fiduciary advisor who routinely works with equity compensation.
Find a fiduciary advisor who understands equity compensation
Short form. We match you with up to three fee-only advisors who routinely work with RSUs, ISOs, and pre-IPO equity.
Plan your next vesting event with confidence
Free PDF checklist. Quarterly tax-planning cadence for RSU holders, AMT tripwires for ISO exercises, and the 10b5-1 calendar our reviewers send clients.