If 40–70% of your net worth is in one stock, you’re not investing anymore. You’re betting your life on one company.

This is what I’m seeing with a lot of tech employees and founders:

• RSUs + ESPP + options + company stock in the 401(k)
• All tied to the same ticker
• All exposed to the same tax and concentration risk

You don’t need to panic‑sell everything. But you do need a written plan to:

• Set a target % for that stock
• Decide what to sell, when
• Choose where the proceeds go (real estate, infrastructure, private equity, diversified portfolios, etc.)
• Use tax‑aware strategies so you’re not taking a giant tax hit

If you’ve never actually run those numbers on paper, that’s your next step.