Who We Serve · Families
You've built real wealth through two careers and years of equity compensation — and a large share of it may sit in a single company's stock. We help dual-income families diversify deliberately, plan around the tax cost, and keep the whole picture connected.
How we help
When a big share of your net worth sits in one company's stock — RSUs, options, an ESPP, or shares you've held for years — it can become one of the biggest risks to what you've built. We help you diversify a concentrated position deliberately, with an eye on the tax cost of every move.
Two incomes, equity compensation, kids' college, a mortgage — good problems that still add up to real complexity. We help bring the full picture together and coordinate with your CPA and estate attorney so the pieces of your financial life stay connected.
RSUs vest on a schedule the market doesn't care about, and each grant, ESPP purchase, or option exercise carries its own timing and tax treatment. We map your vesting calendar against your cash needs and your broader plan, so decisions about when to sell or hold are made on purpose rather than by default. This is not tax advice, and the right approach depends on your individual circumstances.
What you keep after taxes matters as much as what you earn. Using tools like direct indexing, tax-loss harvesting, and asset location, we build portfolios designed to seek greater tax efficiency while working toward diversification. These techniques are subject to IRS rules such as the wash-sale rule, depend on your situation, and aren't right for everyone; this is not tax advice.
We're a fee-only fiduciary, paid a fee based on the assets we manage — no commissions, no proprietary products, and no referral fees. That means the plan we build around your equity comp and concentrated stock reflects your interests, not a product to sell. All investing involves risk, including the possible loss of principal, and no strategy or goal is guaranteed.
Where we focus
We help you reduce single-stock risk on a deliberate schedule, weighing the tax cost of each step against the benefit of diversifying.
We coordinate RSU vesting, ESPP purchases, and option exercises with your cash-flow needs and your overall plan.
Direct indexing, tax-loss harvesting, and asset location, applied within IRS rules and your individual circumstances; this is not tax advice.
We help you weigh competing priorities — retirement funding, college, and current cash flow — within one coordinated plan.
Questions
When RSUs vest, the value is generally taxed as ordinary income that year, and the shares your employer withholds may not cover your full tax rate. We help you model the vesting income against the rest of your plan and consider steps — such as adjusting withholding or estimated payments and being deliberate about which shares to hold or sell — that can help you manage the impact. This is not tax advice, your result depends on your individual circumstances, and we coordinate with your CPA.
The aim is to reduce single-stock risk deliberately rather than all at once. We look at your cost basis, holding periods, and specific tax lots, then plan a step-by-step path to diversify with an eye on the tax cost of each move, using tools like direct indexing where it fits. Diversification does not ensure a profit or protect against loss, this is not tax advice, and the right pace depends on your situation.
It depends largely on how long you hold the shares. Part of your benefit — the discount you received — is generally taxed as ordinary income, and the rest is a capital gain or loss whose treatment turns on your holding period, with 'qualifying' and 'disqualifying' dispositions taxed differently. We help you weigh the holding-period tradeoffs alongside your concentration risk; this is not tax advice, and we coordinate with your CPA on the specifics.
It's rarely all-or-nothing. We help you weigh funding retirement accounts, which carry their own tax advantages, against a 529 for education, factoring in your timeline, cash flow, and how each fits your broader plan. There's no single right answer — the balance depends on your individual circumstances, and this is not tax advice.
SCN Capital is a fee-only fiduciary Registered Investment Adviser based in San Clemente, in south Orange County, that works with dual-income families who have equity compensation and concentrated company stock — generally those with roughly $1 million to $5 million in investable assets, though that describes a typical fit rather than a minimum. Fee-only means we're paid a fee based on the assets we manage, with no commissions, proprietary products, or referral fees. We serve clients across California and throughout the U.S.
Important disclosures. The information on this page is provided for informational and educational purposes only. It is not investment, tax, or legal advice, nor a recommendation to buy or sell any security or to adopt any investment strategy. Model portfolios and strategy descriptions are general and illustrative; a client's actual portfolio is personalized and will differ based on individual circumstances.
All investing involves risk, including the possible loss of principal. Diversification and asset allocation do not ensure a profit or protect against loss, and past performance is not indicative of future results. Tax-management techniques such as direct indexing and tax-loss harvesting depend on individual circumstances, are subject to IRS rules (including the wash-sale rule), and may not benefit every investor. SCN Capital does not provide tax or legal advice; please consult your qualified tax professional.
A short, no-obligation conversation to see whether we're the right fit — and to talk through your equity comp, company stock, and the tax cost of any changes.
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