# OptionsAhoy | Your Equity, Optimized

> OptionsAhoy is equity-compensation optimization software for equity holders: tax, hedging, and diversification planned together as a month-by-month plan.

Markdown twin of https://optionsahoy.com/ (canonical). More for agents: https://optionsahoy.com/llms.txt

Stock equity and tax optimizer Your equity, actually optimized. OptionsAhoy is equity-compensation optimization software that plans tax, hedging, and diversification together, across multiple years and market scenarios, into a month-by-month action plan. For equity holders, from startup employees to executives.

Beta · invite-only · [AlphaLatitude Inc.](https://alphalatitude.com/) · [Free Tools](https://optionsahoy.com/tools)

## Three advisors, three tools, almost nobody optimizing them together.

Most equity holders have three advisors or three tools, not one. A CPA optimizes taxes after the fact. A broker executes sales. An advisor talks about diversification. Almost nobody optimizes them together, because that’s a computationally hard problem.

The result: people exercise ISOs in the wrong year, get blindsided by AMT, and hold concentrated positions too long out of inertia. The cost is not abstract: on a [worked 50,000-share ISO example](https://optionsahoy.com/learn/amt-crossover#worked-example), the optimized exercise schedule ends about $286,000 ahead of exercising everything at once ([open the exact scenario in the calculator](https://optionsahoy.com/tools/amt-iso?shares=50000&strike=4&fmv=90&filing=married_joint&income=300000&state=CA&horizon=4)). And that is one grant optimized in isolation: run it inside your whole portfolio and tax situation, and the plan can improve further. [Request beta access](https://optionsahoy.com/?_=why-oa-beta#request-access) to see it on your own holdings.

Federal income, AMT, long-term capital gains, NIIT, and 50-state taxes. Modeled across your multi-year situation, not just the current return.

Protective puts, covered calls, and partial exits priced against your actual positions. Weighed against the cost of carrying unhedged risk.

Traditional finance and quantitative hedging techniques, paced across tax years to wind down concentration while minimizing tax, maximizing after-tax value, and (if set as a goal) cash.

The OptionsAhoy optimizer evaluates millions of tax + hedging + diversification combinations across bullish, neutral, and bearish market scenarios, then outputs one plan that holds up across all three.

The optimizer lives at the intersection.

## Take three steps in 5 minutes. Plan your best trades from a few months to 10 years ahead.

1. 01 Enter your holdings Cash, stocks, RSUs, ISOs, NSOs, options contracts. Vesting schedules, cost basis, strike prices. Enter manually (brokerage import on the roadmap, not live in beta).
2. 02 Set your goals Maximize value, minimize taxes, or maximize cash. Weight what matters, choose your time horizon (3 months to 10 years).
3. 03 Get your plan Optimized strategy with projections, tax estimates, and a step-by-step timeline across three market scenarios.

## What you get that traditional tools can’t give you.

| Capability | Traditional tools | OptionsAhoy |
| --- | --- | --- |
| Tax optimization | Tax is separate from investment planning | **Optimizes** the tax impact of your equity decisions: federal, state, AMT, capital gains, and NIIT calculated together with your personal income and financial goals |
| Scenario modeling | Single forecast or manual what-if | Every strategy stress-tested across bullish, neutral, and bearish markets **simultaneously** |
| Risk reduction | You decide when to hedge | **Optimizes** protective puts and long calls to limit downside exposure at minimum cost |
| Income generation | Manual setup, one strategy at a time | **Optimizes** covered calls and cash-secured puts to generate income from existing positions |
| Actionable output | Charts you interpret yourself | **Month-by-month** action plan: what to sell, exercise, or hedge, and when |
| Multi-year planning | Single year at a time | **Optimizes** across 3 months to 10 years, with every tax and vesting event in context |

## A month-by-month action timeline, not a chart you interpret.

Sell here. Exercise there. Hedge these months. With the tax impact of every action modeled across three scenarios.

Same plan, on the phone in your pocket.

Deep dives

## Plain-language walkthroughs of the equity-comp decisions that move four-to-six figures

Each article runs the dollar math on a common mistake and shows you how to fix it, with the relevant calculator linked inline.

- [Alternative Minimum Tax How to find your ISO AMT crossover point (2026)](https://optionsahoy.com/learn/amt-crossover)
- [Alternative Minimum Tax AMT credit recovery in plain English](https://optionsahoy.com/learn/amt-credit-recovery)
- [Alternative Minimum Tax Form 6251, walked through with a real ISO exercise](https://optionsahoy.com/learn/form-6251)
- [Private-company liquidity Pre-IPO secondary sales: the tax mechanics](https://optionsahoy.com/learn/pre-ipo-secondary)
- [Non-qualified stock options NSO exercise: sell now or hold for long-term capital gains?](https://optionsahoy.com/learn/nso-sell-vs-hold)
- [Restricted stock units Sell RSUs at vest or hold? And why 22% withholding isn't enough](https://optionsahoy.com/learn/rsu-withholding-gap)
- [Concentration and diversification How much of your net worth should be in one stock?](https://optionsahoy.com/learn/single-stock-concentration-risk)
- [Concentration and diversification Exchange funds: are they actually worth it?](https://optionsahoy.com/learn/exchange-funds)
- [Hedging concentrated positions How a zero-cost collar works on concentrated stock](https://optionsahoy.com/learn/zero-cost-collars)
- [Founder & employee stock Does your stock qualify for QSBS? The Section 1202 tests (2026)](https://optionsahoy.com/learn/qsbs)
- [Cashing out stock Cashing out stock for a goal? Convert your risk tolerance into cash.](https://optionsahoy.com/learn/sell-stock-to-fund-a-goal)
- [Selling as an insider 10b5-1 plans for tech employees and Section 16 officers](https://optionsahoy.com/learn/10b5-1-plans)
- [Equity compensation Planning RSUs, ISOs, and NSOs together across tax years](https://optionsahoy.com/learn/rsu-iso-nso-multi-year-plan)
- [Restricted stock units Which RSU lots should you sell first?](https://optionsahoy.com/learn/which-rsu-lots-to-sell-first)
- [Compare OptionsAhoy alternatives: equity planning tools and services compared](https://optionsahoy.com/learn/optionsahoy-alternatives)
- [Compare Free AMT calculators compared: estimating a year vs. optimizing the schedule](https://optionsahoy.com/learn/amt-calculators-compared)
- [Compare ISO exercise planners compared: scenarios you pick vs. a computed optimum](https://optionsahoy.com/learn/iso-exercise-planners-compared)
- [Compare RSU calculators compared: vest math, sell-vs-hold, and lot order](https://optionsahoy.com/learn/rsu-calculators-compared)

[All deep dives →](https://optionsahoy.com/learn)

## Things people ask us.

Anyone making equity decisions where tax, hedging, or diversification tradeoffs matter:

- Employees with RSUs, ISOs, NSOs, or options contracts
- Founders sitting on pre-exit stock
- Retirees with a pile of employer shares
- Retail investors hedging positions or minimizing tax drag on their trades
- CPAs and financial advisors planning for any of them

One ISO grant over a few months is enough to benefit; so is twenty asset types over a decade.

## Request access to the Beta.

Our open beta slots are limited, sign up for free:

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