Wealthstone helps affluent professionals, executives, and business owners make tax-aware decisions before concentrated stock sales, retirement transitions, and business exits.
Discover a more distinguished approach to private wealth management at Wealthstone, where exceptional service, sophisticated wealth strategies, and deeply personalized relationships define the client experience.
With private offices in San Ramon, California, serving Palo Alto, San Francisco, and the greater Bay Area, and Scottsdale, Arizona, Wealthstone offers an elevated advisory experience tailored to the needs of affluent individuals and families.
We also meet with clients over Zoom, wherever in the world they are located.
Both offices welcome clients and prospective clients by appointment only.
Every client arrives at Wealthstone facing one of three wealth transitions. Each has its own methodology, its own tools, and its own set of irreversible mistakes.
For
Embedded gains, trading windows, tax lock-in, and the emotional weight of a winning stock, resolved into a staged diversification plan.
Build Your Stock Diversification Plan →For
When can I retire, how much can I spend, and how do I keep taxes from consuming the answer. Retirement planning beyond the brochure.
Build Your Retirement Blueprint →For
What you actually keep after taxes is decided before the deal, not after it. Turn business value into personal financial independence.
Plan Before You Exit →A stock sold in the wrong year, a conversion window left unused, an exit signed before the structure was reviewed. None of them can be undone. The cost is rarely visible until the return is filed.
Figures are illustrative and based on 2026 federal tax law. Individual outcomes depend on facts, timing, and eligibility. This is not tax advice.
Answer one question. We will point you to the right methodology, the right tool, and the right first meeting.
Start with the Tax Exposure Calculator to see the embedded gain and what an unplanned sale would cost. Then review the 4-Stage Methodology for turning one position into a diversified balance sheet.
Take the Retirement Readiness Assessment to see where your plan stands. Then review the Retirement Blueprint, from withdrawal architecture to the Roth conversion corridor.
Start with the Exit Proceeds Calculator to see your estimated after-tax number. Then review the Exit Blueprint, from pre-sale structure to post-sale portfolio strategy.
Most Wealthstone clients cross more than one lane: the executive with concentrated stock approaching retirement, the owner whose exit funds it. That intersection is exactly where the firm operates. Start with a conversation.
Whichever transition brings you here, the work follows the same institutional sequence. Planning first. Products never lead.
The full balance sheet: positions, basis, entities, compensation, restrictions, and the decisions already in motion.
The transition itself, quantified. Tax outcomes by year, risk by scenario, the cost of acting now versus staging.
A written plan with sequenced actions, owners, and dates. You see the trade-offs before you make them.
Annual bracket management, rebalancing rules, and course corrections as law, markets, and life change.
Enter your position, basis, and state. The Tax Exposure Calculator shows the embedded gain, the estimated tax on a sale, and what that capital could become over 20 years if the Wealthstone Protocol potentially eliminated the tax.
Estimate Your Tax Exposure →Tax Exposure Calculator
Illustrative. 20% federal LTCG + 3.8% NIIT + 5% state on full gain.
Retirement Readiness Assessment
The Retirement Readiness Assessment measures the parts of retirement most portfolios ignore: withdrawal order, conversion windows, sequence risk, and spending policy. Three minutes, no email required.
Take the Assessment →Most owners have never seen what they would actually keep. The Exit Proceeds Calculator models deal structure, transaction costs, QSBS eligibility, and state tax, and shows the number that has to fund everything after.
See What You Would Keep →Exit Proceeds Calculator
Illustrative stock sale, no QSBS, 5% state, 2% transaction costs.
Research and planning guidance organized by the situations our clients face: concentrated stock, business ownership and exit, and retirement.
Concentrated Stock
Tax-aware long/short investing, Opportunity Zone funds, exchange funds and hedging: how each works, and the trade-offs that come with it.
Read the article →Retirement
Between the last paycheck and the first RMD sits the cheapest tax you will ever pay. Most households never use it.
Read the framework →Business Owners
The financial and tax work to finish in the years before a sale, while you still have time to change the outcome.
Get the checklist →
Secrets From a Wealth Advisor lays out the 4-Stage Methodology Wealthstone uses to diversify concentrated stock positions tax efficiently. For the executive, founder, or early employee who wants to understand the decision before delegating it.
A private consultation. No pitch, no products. You leave with a clearer read on the decision in front of you.
