Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

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Most tech and biotech executives we know have too much of their net worth in one stock. They know they should do something about it, but they usually end up just closing the tab on their stock comp page.

In this episode, Scott and Nick break down the framework for moving from a "home run" mindset to a "nest egg" reality. Using a real-world scenario of a client with over 30% concentration in one company, they walk through the math of de-risking without losing the upside. They discuss the "sequencing" of tax brackets, the psychological barrier of "break-even-itis," and why you should treat your RSUs exactly like a cash bonus.

It’s not just about selling shares; it’s about understanding your "enough number" and separating your vested security from your unvested potential.

If you’ve been watching your company stock climb and wondering if you're taking too much risk, this episode is for you. It’s about building a plan that protects the life you want to live, even if your company hits a 16-year plateau.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

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Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial.