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.
You hold approximately $1,625,000. A fee-only advisor who does this daily can work through the options with you. Free match.
Match me with a concentrated-stock advisorHow 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.
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