Earn 10%+ annual income from your company stock — fully compliant with trading windows, blackout periods, and insider restrictions.
You've worked hard to earn your equity. But turning it into real income is harder than it should be.
You can only trade during narrow open windows. By the time you can act, the opportunity has passed.
Company policy prevents you from writing covered calls, buying puts, or shorting your own stock.
Your RSUs vested at a fraction of today's price. Selling means 30%+ goes to federal and state taxes.
Your net worth looks great. But your stock produces zero income and you can't access it without selling.
We manage income strategies on your stock — outside your personal brokerage, fully compliant with your employer's policies.
Your stock is contributed to an Embark SPV via §721 tax-free transfer. We manage the income strategies — no conflict with your employer's trading policies.
Sophisticated option strategies generate consistent income on your position. You receive quarterly distributions while keeping your shares.
The §721 in-kind contribution is not a sale. Your cost basis carries over. No capital gains triggered.
Income from option premiums provides a natural cushion. If the stock pulls back, the income you've collected offsets the decline.
A hypothetical scenario for a tech employee with concentrated stock.
Meet Sarah
Senior Engineer · $1M in META · Cost basis: $150K
Sarah holds her $1M META position for 5 years. The stock performs well — but she earns $0 income along the way. During the 2022 drawdown, she watches $700K evaporate temporarily. She holds through it, but it takes 18 months to recover. Cash generated: $0.
Sarah sells $1M META (cost basis $150K). Federal + CA state capital gains: ~$255K in taxes. She reinvests $745K in an index fund. She needs a 34% return just to get back to $1M. She lost her META conviction and a quarter of her wealth to taxes.
Sarah contributes $1M META to Embark via §721 — no tax event. Over 5 years she earns ~$500K in income (10%/yr targeted). She still holds META. During the 2022 drawdown, the income she collected offset a significant portion of the paper loss. She held her conviction and got paid.
Hypothetical illustration only. Actual returns depend on market conditions, option premiums, and strategy execution. Past performance is not indicative of future results. All investment strategies involve risk, including the potential loss of principal.
See the full case study with year-by-year breakdownGuides written for tech employees navigating concentrated stock.
Practical strategies for managing vested RSUs — from tax planning to income generation.
Federal, state, and FICA — understand exactly what happens when your RSUs vest and when you sell.
Deep dive into how Embark's §721 SPV generates income on appreciated stock — step by step.
How covered call strategies generate income — and why employees often can't do it themselves.
What you actually lose to taxes when you sell — with math for California residents.
How to transfer your concentrated RSU position without creating a taxable event.
Schedule a 15-minute call to see if Embark is right for your concentrated position.
Complete the form and our team will reach out to discuss your eligibility.