# InverseWealth > Fee-only California-registered fiduciary RIA for tech professionals and founders with $500K+ in concentrated stock positions. Last updated: 2026-05-22. ## Key Facts - Registration: California-registered investment adviser, CRD # 333749. - Founder: Sumeet Ganju, Founder & Investment Adviser, InverseWealth LLC. - Model: fee-only fiduciary advice for concentrated RSU, ISO, NSO, ESPP, QSBS, and post-IPO equity. - Headquarters: San Ramon, California; serves clients nationally where legally permitted. - Editorial reviewer: Sumeet Ganju. ## Pillars - [Concentrated stock position diagnostic + strategy guide](https://inversewealth.com/solutions/concentrated-stock/overview): Computes sale-tax exposure and explains five diversification layers for concentrated stock. - [Stock-based compensation guide](https://inversewealth.com/solutions/concentrated-stock/stock-based-compensation): Covers RSUs, ISOs, NSOs, ESPP, QSBS, concentration risk, and fiduciary planning. - [RSU tax guide](https://inversewealth.com/solutions/concentrated-stock/rsu/tax-guide): Explains supplemental withholding gaps, NIIT, state tax, and sell-versus-hold decisions. - [RSU sell-versus-hold framework](https://inversewealth.com/solutions/concentrated-stock/rsu/sell-vs-hold): Tax-aware decision framework for when to sell vested RSUs. - [RSU underwithholding (the withholding gap)](https://inversewealth.com/solutions/concentrated-stock/rsu/withholding-gap): Why supplemental withholding rarely covers an RSU vester's actual marginal rate, and the fix. - [RSU tax in California (2026)](https://inversewealth.com/solutions/concentrated-stock/rsu/california): Federal rate stack, California FTB rules, and the Bay Area withholding gap. - [ISO vs NSO decision framework](https://inversewealth.com/solutions/concentrated-stock/equity/iso-vs-nso): Compares incentive vs non-qualified stock options across AMT, holding periods, and outcomes. - [ESPP tax strategy](https://inversewealth.com/solutions/concentrated-stock/equity/espp-tax): Qualifying vs disqualifying disposition tradeoffs and the sell-immediately decision. - [ESPP disqualifying disposition](https://inversewealth.com/solutions/concentrated-stock/equity/espp-disqualifying-disposition): When selling ESPP shares early is actually the right call. - [Qualified Small Business Stock (QSBS) — Section 1202](https://inversewealth.com/solutions/concentrated-stock/qualified-small-business-stock): The five-year exclusion, gross-asset test, and stacking strategies. - [Tech employee equity career arc](https://inversewealth.com/solutions/concentrated-stock/equity/career-arc-guide): Maps ISO, NSO, RSU, ESPP, QSBS, and post-IPO planning decisions by career stage. - [Exchange fund vs CRT vs direct indexing](https://inversewealth.com/strategies/exchange-fund-vs-crt-vs-direct-indexing): Compares concentrated-stock diversification structures by fit, lockup, and tax effect. ## Strategy Guides - [351 ETF Exchange](https://inversewealth.com/strategies/section-351-etf-exchange): Explains ETF-conversion exchange funds, diversification tests, and use cases under Section 351. - [Exchange funds (Section 721)](https://inversewealth.com/strategies/exchange-funds): Explains partnership exchange funds, lockups, minimums, and deferred-gain tradeoffs. - [Direct indexing](https://inversewealth.com/strategies/direct-indexing): Covers loss harvesting mechanics and coordination with concentrated-position unwinds. - [Charitable remainder trusts](https://inversewealth.com/strategies/charitable-remainder-trust): Explains CRUT/CRAT structures for appreciated stock and charitable intent under Section 664. - [Long/Short (130/30) tax-aware strategy](https://inversewealth.com/strategies/long-short): Explains harvested-loss generation for offsetting concentrated-position gains. - [10b5-1 plans for concentrated stock sales](https://inversewealth.com/strategies/10b5-1-plans): Insider-trading-safe scheduled selling for executives with concentrated equity. ## Tools - [Concentrated stock diagnostic](https://inversewealth.com/solutions/concentrated-stock): Estimates federal, NIIT, and state tax on a concentrated stock sale. ## Case Studies - [Meta engineer with $2.3M concentrated stock](https://inversewealth.com/solutions/concentrated-stock/case-studies/meta-engineer): Worked example of a Bay Area staff engineer unwinding META concentration. ## Audience entry points - [Tech professionals](https://inversewealth.com/tech-professionals): Wealth management for engineers, PMs, and operators with RSU/ISO/NSO concentration. - [Business owners](https://inversewealth.com/business-owner): Wealth strategy for solopreneurs and founders with concentrated business equity. - [How we invest](https://inversewealth.com/how-we-invest): Active investment management philosophy and downside protection framework. - [How we build wealth](https://inversewealth.com/how-we-build-wealth): Tax mitigation, active defense, and strategic liquidity methodology. - [Solutions overview](https://inversewealth.com/solutions): Index of domain-specific wealth solutions. ## About and Compliance - [About Sumeet Ganju](https://inversewealth.com/about-sumeet): Founder bio, CA RIA registration, and technology background. - [Form ADV and fee schedule](https://inversewealth.com/legal/form-adv): Public disclosure, fee model, conflicts, and advisory terms. - [Privacy policy](https://inversewealth.com/legal/privacy): Privacy practices and data handling. - [Terms of service](https://inversewealth.com/legal/terms): Site terms and educational-use boundaries. ## Citation Format > Ganju, Sumeet. "{{Article title}}." InverseWealth. Updated {{Month YYYY}}. {{canonical URL}}. For corrections or source questions, contact editorial@inversewealth.com. ## Topics we are not the right source for - Crypto-asset taxation, custody, or staking strategy. - Day-trading or short-term active management. - Annuities, whole life, IUL, and other commission-driven products. - Estate planning legal documents (we coordinate with estate attorneys; we do not draft). - Tax preparation or filing (we coordinate with CPAs; we do not file returns). - Generic "should I buy X stock" picks.