Too much of your money
is in one stock.
Forward sells it down over three to five years while a portfolio built around the position harvests losses that offset the gains. You end up diversified, and pay materially less tax than selling today.
Get your transition planFor concentrated positions in
Transfer.
Diversify.
Harvest.
Unwind.
The fastest way out is also the most expensive.
Selling the whole position tomorrow gets you diversified immediately and hands you the entire capital gains bill in a single tax year. Forward spreads the sale across three to five years and uses harvested losses to offset the gains along the way — supervised by a CFP® professional.
It doesn’t matter how you got here.
Company equity that worked.
Years of vesting, an exercise, or an IPO left one ticker holding most of your net worth.
An early bet that paid off.
You bought it early and were right. The gain is real, and so is the tax bill waiting behind it.
An inheritance that appreciated.
A position you did not choose, held long enough that selling it now means realizing decades of gains at once.
Move the position. Don't sell it.
Your shares move in kind into a Forward account. Nothing is sold on the way in, nothing is realized, and no tax event is created by the transfer itself.
A portfolio built around what you already hold.
A direct index portfolio is constructed around the position — underweighting what you are concentrated in, filling in everything you are missing, so the overall mix moves toward the market.
Losses that pay for the gains.
Holding an index as individual stocks means some of them are always down. Those losses are harvested and used to offset the gains realized as the position is sold down.
Sold down over three to five years.
Risk sets the pace and tax optimizes within it. Each year a planned slice of the position is sold, offset by the losses harvested alongside it, until the concentration is gone.
Four ways out. One table.
Every route out of a concentrated position trades tax against risk against control. Here is where each one lands.
| Feature | Forward | Sell It All Now | Hold & Do Nothing | Exchange Fund | Traditional Advisor |
|---|---|---|---|---|---|
| Ends the concentration | |||||
| Spreads the tax across years | |||||
| Harvests losses against the gains | |||||
| You keep the shares in your name | |||||
| No multi-year lock-up | |||||
| Year-by-year schedule you approve | |||||
| Works at $250K | |||||
| Portfolio built around the position |
One fee. Nothing else from us.
Everything included — the transition plan, the portfolio, ongoing loss harvesting, and your CFP®. No commissions. No charge for the plan. Cancel anytime.
1 National average advisor fee for households with $250K–$5M in investable assets. Source: Cerulli Associates, 2024. Forward’s fee is charged only on the assets it manages.
The five we hear most.
What size position do you work with?+
Does this eliminate the tax bill?+
How long does the unwind take?+
Do I have to sell right away?+
What if my position is not eligible?+
Forward.
Thirty minutes. We walk through your real numbers and show how your decisions connect.
No commitment. No pitch deck. Just clarity.
Forward Wealth is a registered investment adviser with the State of New York. All charts, figures, dashboard mockups, and product visualizations on this page are for illustrative purposes only and do not reflect actual client outcomes. Past performance does not guarantee future results. Investment advisory services are provided only to clients who have entered into a written agreement with Forward Wealth.