Should you hold or sell company stock like RSUs, ESPPs, or stock options?

If your employer keeps rewarding you with company stock, your portfolio could become dangerously concentrated without you even realizing it.

In this video, fiduciary financial advisors Nick and Peter Grose of Grose Wealth Management break down how to think about employer stock compensation, including RSUs, Employee Stock Purchase Plans (ESPPs), and stock options, and why holding too much of one company’s stock can create significant long-term risk.

You’ll learn:

• Why employer stock creates concentration risk in your investment portfolio
• The emotional traps that cause people to hold onto company stock too long
• Real-world examples of once-great companies whose stocks declined sharply
• When to sell company stock based on long-term capital gains and plan rules
• How to create a systematic diversification strategy (instead of market timing)
• Tax-efficient ways to diversify, including direct indexing, tax-loss harvesting, and advanced hedge fund strategies for large stock positions

This video is especially relevant if you:

• Receive RSUs or ESPP shares every year
• Have a large portion of your net worth in one stock
• Are approaching retirement and want to reduce risk
• Are worried about taxes when selling highly appreciated stock

📈 The key takeaway: Individual stocks can fail — diversified markets historically don’t. Setting up a thoughtful, tax-aware plan can help you reduce risk without derailing long-term growth.

If you’re receiving employer stock or sitting on a concentrated position, this video will help you understand when to sell, how to diversify, and how to do it tax-efficiently.

About us: https://grosewealthmanagement.com/

0:00 Should I Sell or Hold My Company Stock?

1:08 Horror Stories of Company Stock Crashing Down

2:54 Why You May Want to Hold - Emotional Ties

3:28 Individual Stocks Can Crash But The Total Market Doesn't

4:09 Concentration Risk

5:14 Why You Want to Diversify

5:54 Warren Buffett's Advice

6:12 How to Diversify Out of Company Stock

8:12 Strategies for Selling Out of Company Stock and Reinvesting

10:56 Diversification and Risk Management

Disclaimer: Investment Advisory Services offered through Bay Colony Advisors DBA Grose Wealth Management. None of this information should be considered financial, legal, or tax advice. No financial advice may be rendered without a signed investment advisory contract.