How One Decision Could Add Years to Your Retirement Plan…
Mateo Dellovo
I help high-income professionals manage concentrated stock positions and build tax-efficient strategies that could save hundreds of thousands in retirement. Keep more of what you’ve earned and stop handing it to the IRS.
Hey there,
Welcome back to Wealth Machine Weekly—where we share real-world insights and lessons that help you make smarter financial decisions. This week, we’re diving into something I’ve seen too many times: the emotional pitfalls of holding on to concentrated stock positions for too long.
Holding on to Your RSUs for Too Long? A Cautionary Tale
Let’s talk about a common scenario: holding on to too much company stock and the emotional rollercoaster that often comes with it.
I’ve seen it happen many times. People build up a lot of stock from their company and think, “I’ll just hold on—it’s doing great.” But here’s the question: Are you betting too much on one company?
The Story of John
John was a do-it-yourself investor I met years ago. He had over $4 million in stock from a biotech company where he’d worked for most of his career. At the time, John was in his mid-50s and just a few years from wanting to retire.
After several conversations, I suggested he start thinking about diversifying his holdings. His stock made up a huge part of his net worth, and there were risks to holding it all in one place.
Then the company announced a merger, and the stock price shot up. John decided to hold on, hoping for an extra $50K to $100K in gains. I asked him, “What’s the risk?” He was confident everything would go through smoothly.
It didn’t. The deal fell apart, the stock plummeted, and his $4 million position took a serious hit. When I reconnected with him 10 years later, John was still working—well into his sixties—because that decision delayed his retirement by a decade.
What’s the Risk in Your Portfolio?
If you have a large concentrated stock position—or RSUs that make up a big part of your wealth—now is the time to ask yourself:
? Is this stock supporting my long-term goals, or am I taking unnecessary risks?
? What’s my strategy for managing it?
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What You Can Do Next
You don’t have to guess. I’m offering a complimentary wealth strategy call to help you figure out if your current stock positions are working for you—or putting your future at risk.
In the call, we’ll discuss:
? Whether it makes sense to sell some of your stock and diversify
? How to protect yourself from unnecessary risks
? The steps you can take to create a clearer path to financial freedom
Book Your Free Wealth Strategy Call Here
No pressure—just a conversation to help you get clarity.
To your success,
- Mateo
Disclaimer: The information provided in this newsletter is for educational purposes only and should not be considered financial, tax, or legal advice. Please consult with a qualified professional before making any financial decisions. Past performance is not indicative of future results. All investments carry risks, and the value of your investment can go down as well as up. Wealth Machine Weekly and BFA Wealth Management do not guarantee any specific outcome or financial return.