Sumeet Ganju — Founder, InverseWealth

Sumeet Ganju is the founder of InverseWealth LLC, a California-registered Investment Adviser (CRD # 333749) operating as a fee-only fiduciary. He works with U.S. tech employees and founders carrying $500K to $5M in concentrated employer stock — RSU grants that vested into a single-ticker tower, ISO and NSO exercises that need sequencing, ESPP enrollments that compound the same exposure, and post-IPO holdings approaching their first liquidity window.

Before InverseWealth, Sumeet spent a decade in technical roles at high-growth tech companies. He reads engineering ladders, understands the ISO vs NSO mess without a lookup, and builds the models himself because that’s how his clients think. Roughly 80% of his book is senior tech operators at Meta, Google, Nvidia, Stripe, and post-Series C startups, most holding $500K to $5M in one concentrated position.

Most concentrated-stock tax bills are larger than they need to be: the strategies that lower them are domain-specific and time-sensitive, and most generalist advisors default to a one-size answer of “diversify slowly.” InverseWealth was built to give that work a specialist instead.

Engagements run on a flat annual retainer set after a discovery conversation — no AUM percentage, no commissions, no product kickbacks. Fee-only removes the conflicts that push AUM-and-commission advisors toward higher-fee products and away from tax-efficient strategies that shrink their assets under management.

The work turns on four levers: Section 351 and Section 721 exchange-fund mechanics, charitable remainder trusts under Section 664, direct-indexing tax-loss harvesting against the residual position, and multi-year sequencing of RSU vest-and-sell against ISO exercise windows under AMT carryforwards.

Sumeet writes The InverseWealth Letter at inversewealth.beehiiv.com — essays on tech-employee equity comp, exchange-fund conversion mechanics, and the operator-side reasoning behind concentrated-stock unwind plans.

The diagnostic on this site is the front door — not a substitute for an advisor, just an honest first computation. Households below ~$500K usually do not need an ongoing fiduciary engagement; the diagnostic will say so. Households above ~$5M typically need a multi-disciplinary team; InverseWealth coordinates with estate attorneys and CPAs as the investment-advisory anchor.