Investment management for tech employees with too much in one stock.

Forward Wealth is a registered investment adviser for people with a concentrated stock position. You work with an advisor who helps you diversify out of one stock while reducing the tax on your gains, using a personalized direct index with tax-loss harvesting where appropriate.

Most people weigh three choices: sell it all and pay the tax in one year, hold it and keep the risk, or sell in stages. Forward sells in stages, inside a personalized index whose harvested losses can offset part of the gains. Exchange funds and hedging strategies are other routes, and we’ll tell you if one fits you better.

You can’t avoid it entirely, but you can reduce what you owe now. Losses harvested inside a personalized index can offset part of your gains as you sell. Those losses also lower the cost basis of the stocks that replace them, so part of the tax is deferred, not erased.

Direct indexing means owning the individual stocks in an index instead of a fund that holds them. Because you own each stock, losses on individual names can be harvested to offset gains. Your Forward Personalized Index holds a few hundred U.S. stocks in your own account and leaves out your concentrated stock. How direct indexing works.

An exchange fund pools your stock with other investors’ shares in return for a slice of the combined fund, which usually has to be held for about seven years. It can suit investors who qualify and can leave the money locked up. With Forward, nothing is pooled or locked up: the stocks sit in your own account and you can leave whenever you want.

People with $250,000 or more in one publicly traded stock, held in a taxable account. Locked-up shares, unexercised options and company stock in a 401(k) don’t fit yet. We’ll confirm on the first call.

Yes. A fiduciary is legally required to act in your best interest. As a registered investment adviser, Forward Wealth owes you that duty: to put your interests ahead of ours and to disclose any conflicts. Our registration and Form ADV are public on the SEC adviser record.

0.89% a year of the assets we manage, with a $2,700 annual minimum fee, as described in our Form ADV Part 2A. Custodian and direct-indexing platform fees are separate. We walk through it all on the first call, before you sign anything.

Your account is held at an independent custodian, in your name, not at Forward. If Forward closed, your stocks would stay where they are, and you could move them to another brokerage or hire another adviser. How we safeguard your assets.

It’s free and takes 30 minutes. We talk through your position, your cost basis and how fast you want to diversify. If Forward isn’t a fit, we’ll say so.