Altar Rock / Insights

Insights on
managing wealth.

Guides and tools for stock sales, investment strategy, wealth transfers and family offices.

Altar Rock / Insights

Insights
on managing
wealth.

Guides and tools for stock sales, investment strategy, wealth transfers and family offices.

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Guides & tools

Our insights

Perspectives archive

Concentrated wealth

Concentrated stock

What would a sale leave available for your family—and still invested in the company?

Cash available

Exposure retained

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What to gather
Cash available
Compare a partial stock sale with funding the same withdrawal from other assets.
Exposure retained
See the stock, built-in gain, reserve and investable assets that remain.
  • Stock value and cost basis
  • Proposed sale and household cash need
  • Other assets and a reserve assumption

The reserve is illustrative; the worksheet does not estimate tax due.

Investment strategy

Tax-aware long/short

Does the proposal account for the family’s usable losses, full costs and cash deadline?

Account and costs

Evidence still needed

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What to gather
Account and costs
What the account owns and owes, and which costs are already included.
Evidence still needed
Evidence needed to support the tax and cash estimates.
  • Complete account statement and proposal
  • Fee, financing and stock-borrow quotes
  • Tax review and a cash-withdrawal plan with dates

The worksheet organizes the figures you enter; it does not verify them.

Wealth transfer

GRAT terms

How would each payment schedule fit the assets and cash your family can commit?

Schedules and paths

Annual transfers

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What to gather
Schedules and paths
Change the return sequence, payment schedule and future funding rates.
Annual transfers
Transfers between the donor, beneficiaries and active trusts.
  • Dated asset value and starting contribution
  • Return path and future funding rates
  • Payment dates and family cash needs

The educational comparison is before tax and costs.

Family office

Family responsibilities

Who will do the work, hold the authority and check that it is finished?

Who owns the work

Gaps and costs

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What to gather
Who owns the work
Who performs, authorizes and reviews each task across arrangements.
Gaps and costs
Unassigned work, exclusions and costs that remain unknown.
  • Required tasks and the people responsible
  • Service scope and authority records
  • Direct, embedded and transition costs

The mapper records the information you enter; it does not verify authority or service quality.