Investment management built around your concentrated stock.
For families with much of their net worth in a single company's stock, the real risk is concentration, not the market. We manage it with your taxes in view, not in isolation.
Get startedAt a glance
- A fiduciary, individually built portfolio
- Concentrated stock and RSU risk managed
- Coordinated with your tax plan
Investing is one of seven areas the Age Five Family Office coordinates for your family. Every major investment decision is documented in your FamilyKnowledge® Library, so the thinking behind it is there when your children are old enough to read it.
The difference is not the funds. It is whether your company stock, your taxes, and your risk are managed as one picture.
Most families
- Buy a model portfolio off a risk score
- Leave company stock concentrated
- Rebalance without the tax bill in view
- Manage investments apart from taxes
- Nothing written down for next year, or for your kids
Age Five
- Build one portfolio across every account
- Hedge and diversify concentrated stock on a plan
- One team holds investments, tax, and estate together
- Every trade weighed for its tax impact first
- Every major decision documented in your FamilyKnowledge® Library
Concentrated stock hedging and diversification
Company stock reduced and hedged on a schedule built around your tax brackets.
Individually constructed portfolio
One portfolio built across every account, not a model dropped on top of you.
Tax-efficient asset location
The right assets in the right accounts, so more of the return is yours after tax.
Direct indexing and tax-loss harvesting
Losses harvested and gains timed with your full tax picture in view.
Insurance and asset protection review
Life, disability, and liability coverage checked against what your family actually needs.
529 and education funding
Education funding planned alongside the rest of your balance sheet.
Map
We map your accounts, your company stock, and the risk you are actually carrying.
Build
We construct one portfolio across every account, around your taxes and your goals.
Manage
We rebalance, hedge, and harvest as markets and your life change, and document it.
What each service model typically includes. These describe general service models, not specific firms.
| A typical RIA |
A typical family office |
Age Five Family Office |
|
|---|---|---|---|
| Fiduciary coordination across your wealth iOne fiduciary team coordinating your tax, investment, and estate decisions around your wealth. | – | ✓ | ✓ |
| Proactive, forward tax planning iForward tax planning that includes preparation, filing, and audit support. | – | ✓ | ✓ |
| Investment management and equity compensation planning iYour portfolio built with separately managed accounts and concentrated-stock hedging, for tax control down to each holding. | ✓ | ✓ | ✓ |
| Built for families before $50M in net worth | ✓ | – | ✓ |
| Age Five Wealth Education for your children | – | – | ✓ |
| A documented FamilyKnowledge® Library your children can read | – | – | ✓ |
