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Free Company Stock Stress Test

How Much of Your Financial Life Depends on One Company?

Explore how your company stock, RSUs, income, potential tax considerations, and cash needs may overlap before your next major financial decision.

Take the Free Stress Test →

Free. Educational. No email required to see your results.

This educational tool is based on limited information you provide. It does not provide individualized investment, tax, legal, or financial advice.

The Golden Handcuffs Stress Test

Your company may have helped build your wealth. How connected is your financial life to it today?

Tech professionals may accumulate vested shares, future equity awards, income, benefits, and career exposure that are connected to the same company. This stress test is designed to help you explore where those pieces may overlap.

1

Company Stock

Explore how much of your financial picture may be connected to a single company or stock.

2

Future Equity

Consider how future RSUs, options, or other equity awards may affect your overall exposure.

3

Income

Consider how much of your household’s financial picture may depend on the same employer.

4

Liquidity

Explore the financial resources and flexibility you may have outside of your employer.

What the Stress Test Helps You Explore

A starting point for identifying areas that may deserve a closer look.

  • How much of your financial picture may be connected to your employer.
  • Areas you may want to review before a future vest, sale, or career decision.
  • Questions involving company-stock concentration, liquidity, and potential tax considerations.
  • Financial decisions that may warrant additional planning or professional review.
Take the Free Stress Test →

Why I Built This

Company stock is rarely just an investment decision.

I work with tech professionals whose careers and financial lives can become significantly connected to one company.

The difficult part is often not recognizing that concentration exists. It is understanding how company stock may fit alongside cash needs, potential tax considerations, family goals, career decisions, and other parts of your financial life.

I built the Golden Handcuffs Stress Test as an educational starting point for exploring those connections.

Joshua Krafchick Founder, 369 Financial

Important Disclosure: The Golden Handcuffs Stress Test is provided for educational and informational purposes only and is based solely on the limited information entered by the user. The tool does not provide individualized investment, tax, legal, or financial advice, does not recommend whether to buy, sell, or hold any security, and should not be relied upon as a substitute for individualized professional advice. Results or observations generated by the tool are intended to identify topics or areas that a user may wish to review and should not be interpreted as a recommendation, prediction, guarantee, or determination that any particular action is appropriate. Use of the tool does not create an advisory relationship with 369 Financial, LLC. Individual circumstances vary, and users should consider consulting appropriate financial, tax, and legal professionals regarding their specific circumstances.

Start Here

Explore how connected your financial life may be to one company.

Take the Free Stress Test →

No email required. Educational use only. The tool does not provide individualized investment, tax, legal, or financial advice.

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