advicer.bio/donhilario

Don Hilario

Founder + CFP® | Helping Googlers live, work, and retire with confidence.

At some point, the question isn’t whether your Google stock can keep winning. It’s whether you still need it to. That can be an uncomfortable question. The stock may have helped build a meaningful part of your wealth. Selling creates a real tax bill. Keeping it preserves the upside. And if you’re still at Google, new RSU’s may keep arriving even while you’re trying to diversify what you already own. Why interfere with something that’s working? I’ve been working with Googlers since 2008. Over that time, I’ve seen many versions of the same decision. A vest hits. A refresh comes in. The position gets larger than expected. Eventually the question becomes: should I sell? But I think there’s a question before that one. What is the money for? Being able to financially withstand a concentrated position isn’t necessarily the same as wanting to live through what it could do in a bad year. And selling isn’t automatically the right answer either. The question is relative to the rest of your life. What would additional upside make possible? What would a significant decline change? How much concentration can the rest of your plan support? And how much can you? I started Hilpan Moxie Wealth Management in 2012. Today we’re an SEC-registered investment adviser managing more than $100 million for just under 80 households. The work is mostly this: connecting decisions that can look separate on paper. Equity. Taxes. Career. Family. Life. Googlers ask me money questions. I help them see the decisions inside those questions. That’s the work. Don Hilario, CFP® Founder, Hilpan Moxie Wealth Management, LLC SEC-registered investment adviser