Episode 6 of 6
The Post-Sabbatical Portfolio
Andy returns refreshed and finally builds a real financial plan. He rebalances his portfolio to reduce single-stock concentration from 54% to 20%, models the tax impact of selling RSUs in tranches, and sets a new FIRE target.
Key Insight
Selling RSUs in $50k annual tranches instead of all at once saves Andy $18,200 in capital gains taxes over 3 years. His rebalanced portfolio reduces worst-case drawdown from $136k to $52k.
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