01 · Load
Start from what you actually own
Upload a stock-plan PDF (or start with the sample). Shares, cost basis, unvested RSUs, live prices. So every scenario is built on your numbers, not a generic template.
LakefolioEquity StewardshipFor people whose net worth is stuck in one stock
A clear plan to sell concentrated stock. No guessing.
- Load your equity statement or open the free sample.
- Steer every year yourself with how much to sell, when to sell, and how much to pay in taxes. All balanced around your personal life.
- Compare paths to see pros and cons with each diversification choice. Receive a guided path with clear recommendations before you move a single share.
See the Difference
Unprepared Sell vs Prepared Plan
Same concentrated stock. Two very different life choices. One stays in a high-tax state with high wages and rushes the sale. The other moves to a state with no income tax, retires, and sells on a multi-year schedule so the tax gap is obvious.
Same portfolio · two life paths · 5 years
+$526,856
Same shares. This path keeps about $526,856 vs rushing the sale.
Tax paid · Unprepared$634,816
Tax paid · Prepared plan$107,960
Shares sold (value)A $2,593,204 · B $1,249,525
Unprepared Path
High Tax State · Working Full Time · Aggressive Sell
- Live in a high-income-tax state for all 5 years
- Keep a $150,000 W-2 every year (income stacks on stock gains)
- Rush the sale: about 50% of remaining stock each year
- Effective tax on gains stays high (state + federal stacking)
Prepared Plan
No State Income Tax · Retire · Sell on Purpose
- Move to a state with no income tax in year 1 (gains are not hit by state income tax)
- Retire so W-2 drops and less ordinary income fills the brackets
- Patient sell: about 11% of remaining stock each year
- More room in lower long-term capital gains bands; far less tax paid
Unprepared · rush the sale
- ResidenceHigh-tax state · 5 years
- W-2 income$150,000 / yr
- Sell pace50% / yr
- Horizon5 years
Tax plan total
$634,816
W-2 wagesGains on shares soldTax
Prepared · deliberate plan
- ResidenceNo state income tax from year 1
- W-2 incomeRetired after year 1
- Sell pace11% / yr
- Horizon5 years
Tax plan total
$107,960
W-2 wagesGains on shares soldTax
Educational model on one concentrated portfolio. Numbers are illustrative, not tax advice. Open the sample to run the full Captain's Wheel on real (or sample) lots and change state, wages, and sell pace yourself.
How It Works
Three moves. Your plan, not a black box. You are at the helm.
Your brokerage shows balances. Your CPA files after you sell. In between, you need a place where you run your plan. Change every year, every assumption, every comparison. And watch tax, concentration, and retirement update in plain dollars.
02 · Shape
Change your plan any way you want
Sell more this year or none next. Move income, state, price path, and lot order. Watch estimated tax and remaining company stock update. Full freedom to stress-test the path you actually face.
03 · Compare
See every side of the decision
Compare your plan vs the Captain path. Tax paid, what you keep, retirement path. Answer your own questions with clear numbers before you talk to an advisor or CPA.
Where We Fit
Your captain between two shores
Advisors own strategy. CPAs own the return. Lakefolio sits between them: the year-by-year sell plan you steer, with tax and retirement on the same chart.
After you sell
Financial advisor
Judgment on when and how fast to diversify. Strategy stays with them. Rarely a full sandbox you control and re-run yourself.
When and how much
Lakefolio
Your plan, your rules. Change sells, income, state, price, lots, and retirement. Compare paths. Walk into advisor and CPA meetings with a clearer chart.
After the sale hits
CPA / Tax Pro
Gets the tax year right when sales hit. Returns and withholding. Usually after the fact. Not a forward plan you can rewrite.
See full comparison table
| What you need | Advisor | Lakefolio | CPA |
|---|---|---|---|
| Year-by-year shares, tax, income, state, price | Varies | Built for this | Often annual |
| Statement → plan in minutes | May review | Core product | May review |
| File the tax return | Usually not | Never. Estimates only | Core role |
| Trade or manage the account | May manage | Never trades | No |
We do not replace advisors or CPAs. We are the boat between them. You keep control and comparisons so those conversations start from a clear plan, not guesswork.
When It Matters
Liquidity windows, IPOs, and hard-earned equity
Listings, tenders, and secondaries create the same problem: a big single-stock position and a short window to think. Stock portals show balances. Tax software shows last year. Neither answers how much you should sell each year so you are not guessing. Lakefolio is the boat: calm, specific, and ready to share with the professionals you already trust.
Educational software only. Not a CPA firm, broker-dealer, or registered investment adviser. Confirm material decisions with a qualified professional.
FAQ
Real answers
No. Lakefolio provides educational estimates and planning worksheets only. It is not a CPA firm, law firm, broker-dealer, or RIA. Confirm decisions with a qualified professional.
Contact
We are listening
Product questions, partnerships, or press. Send a note. For account support after sign-in, use in-app feedback.
Prefer email? support@lakefolio.com. Educational software only. Not tax, legal, or investment advice.