The Equity Transition Framework™
The Equity Transition Framework™ turns a complicated set of grants, taxes, deadlines, and investment decisions into four defined phases.
You know what we are working on. You know why it matters. And you know what comes next.
The four phases
Know what you actually own. We begin by documenting the entire equity picture, then map the rest of your financial life around it: cash, brokerage accounts, retirement plans, debt, spending, insurance, estate documents, and upcoming goals.
The output: a written equity map and decision calendar.
Make the decision while there is still a decision to make. We evaluate the tax consequences surrounding your grants before transactions occur, then coordinate the assumptions and proposed decisions with your CPA.
The output: a forward-looking tax model and decision schedule.
Stop making the same sell-or-hold decision every quarter. We define how much concentration your financial plan can support and build a process for moving toward that range.
We do not build the schedule around a prediction of where the stock will trade next. Diversification is a risk-management decision.
The output: a written diversification schedule with dates, thresholds, and tax scenarios.
Decide what the wealth is for. Once the concentration is moving in the right direction, the question becomes larger: what would need to be true for you to leave your current role? How much spending should the portfolio support? How should healthcare work before Medicare? What should your estate plan look like now?
The output: a long-term plan connecting your portfolio and remaining equity to the life they are meant to support.
Getting started
Most new clients spend their first 90 days primarily in Equity Mapping and Tax Opportunity Analysis. After that, the relationship moves into an ongoing quarterly rhythm, with extra conversations whenever the calendar requires them.
How we invest
Outside your concentrated company position, portfolios generally use low-cost, broadly diversified investments. We do not try to replace your employer stock with a new set of individual-stock bets.
Asset location, gain realization, charitable transfers, and withdrawal sequencing can materially change what you keep after tax. We evaluate the portfolio in after-tax terms.
We do not ask the market to tell us when your financial life has become too concentrated. The schedule is driven by your plan.
What we believe
Book a discovery call
Thirty minutes on what you own, the decisions in front of you, and which phase of the framework you would start in.
Sarah Mitchell, CFP®, CEPA®
Founder, Equipath Wealth Partners
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