Case Study: Biotech Executive's RSU  Diversification Plan

A tax-smart approach to reducing concentrated stock.

CAMERON'S STORY

Cameron, a VP at a publicly traded biotech in Greater Boston, built a significant position in company stock through restricted stock units (RSUs).

He had questions running through his mind that prevented him from taking action: What if I sell a block of shares now and regret it? What if I wait and the stock drops?  What's the best way to pay for my kids' college? 

When he came to Sachetta, we helped him plan for diversification with multi-year tax projections that brought structure and calm. His risk declined, taxes were managed, college saving were on track, and each time he chose to vest, there was a clear next step; not a scramble.
VP relaxing with his family on the couch feeling good about his RSU diversification

CAMERON'S PLAN

Sachetta created a staged, multi-year plan tied to liquidity events and tax efficiency.

Goals and life planning: Through conversations, we came to understand Cameron's and his wife's goals for their life in the near-term and the long-run. This helped shape their initial financial and investment plan; which will be revisited regularly and as needed. 

Diversification schedule: Much of the family's wealth was tied to Cameron's employer through his income and RSUs. Sachetta helped Cameron and his wife reduce their risk and tax exposure by making a plan to sell shares over time.

Investment plan: When shares were sold, the proceeds were added to the family's diversified investment portfolio, managed by Sachetta. 

Education funding (flexible by design). We considered the possible education investment vehicles and added an “education set-aside” each time company shares were sold. 

Tax planning & filing coordination. We built rolling multi-year federal and state tax projections tied to RSU vesting and planned sales, and we handle return preparation as needed.

ACTIONS IN THE FIRST 90 DAYS

The first 90 days focused on mapping the equity picture, formalizing a plan, and coordinating tax and legal steps.

  • Collected equity grant history and modeled vesting scenarios

  • Built and documented an RSU sales plan

  • Created multi-year federal and state tax projections tied to RSU vesting/sales.

  • Set per-child education targets; add an education set-aside to the vest allocation.

  • Coordinated plan with tax and legal advisors

RESULTS

Risk was reduced. Taxes were managed. College savings were planned. Every vest came with a plan—not panic.

WHAT'S YOUR STORY?

If this story feels familiar, a coordinated plan would likely focus on similar priorities—paced decisions, tax-aware timing, and clear next steps.

  • Reduce risk without losing control

  • Fund education goals 

  • Spread sales to avoid tax spikes

  • Use tax modeling to guide—not react
Biotech executive reviewing an education-funding cadence for two children tied to RSU vesting.

 

 

 

You bring your what-ifs.

We'll bring a plan. 

One advisory team, one coordinated plan—planning and taxes under one roof for fewer surprises and steadier decisions.

Schedule a Call
 

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Biotech executive RSU diversification on a walk

Behind every financial plan is a real life—full of deadlines, family goals, and important decisions. This story reflects the kinds of challenges our clients bring to us, and how we build calm, clear strategies in response. While this story is fictional, the strategies are true to life.

Disclaimer: Action plans and results are shown for illustrative purposes only, are not indicative of any specific Sachetta client, and will vary based on each client’s individual circumstances and objectives.

Last updated September 9, 2025.