Aon (AON) Stock Concentration Calculator
Calculator · free · no signup · AONQuantify Aon concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
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Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Aon
Aon (AON) is a public Fintech company, incorporated in Ireland and headquartered in Dublin 2, Ireland.
Last close: $269.45 per share (as of 2026-10-03).
Equity grants at Aon typically include restricted stock units (RSUs).
Aon plc is an international professional services firm. It has two divisions: Risk Capital, which provides brokerage and consulting services for risk management, insurance and reinsurance, and Human Capital, which provides services related to health insurance, retirement plans, pension plans, and talent advisory.
Source: Wikipedia (CC BY-SA 4.0)
The firm took its present shape through Patrick Ryan's 1982 combination of Ryan Insurance with Combined International, and it now brokers insurance and reinsurance and advises employers on benefits and pensions. Brokers earn commissions and fees without carrying underwriting risk, so results track commercial insurance pricing and client payrolls rather than claims experience. A move of legal domicile to Ireland in 2020 followed an earlier shift to London. Talent is the balance sheet in a business where client relationships travel with individual brokers. The company is incorporated in Ireland, with operations run from London.
Sources: sec.gov · en.wikipedia.org
Equity comp at Aon
- Aon's change-in-control arrangements use a double-trigger structure: RSU acceleration requires both a change in control of Aon AND a qualifying termination (involuntary termination without cause, or constructive termination) occurring in connection with or within two years following that change in control. A change in control alone, without a qualifying termination, does not automatically vest outstanding RSUs. None of the named executive officer agreements include excise tax gross-up protection under IRC Section 280G.
- RSUs use double-trigger vesting. Two things must both happen before the shares are yours: (1) the normal time-based vesting completes, and (2) the company has a liquidity event (an IPO or an acquisition). Until both happen, you do not yet own the shares and you do not owe tax on them.
- Vesting schedule: RSUs generally vest between three and five years (not the standard 4-year/1-year-cliff schedule); executive incentive-compensation RSUs have historically vested in three equal annual installments..
Sources: sec.gov · sec.gov · sec.gov · sec.gov · sec.gov
Researched 2026-08-20.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Aon.
If a meaningful share of your net worth sits in AON, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with AON's option-implied volatility.
Example: 5,000 AON shares at $269.45 is a $1,347,250 position. A 30% drawdown costs $404,175; a 50% drawdown costs $673,625; a 70% drawdown costs $943,075. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using AON's option-implied volatility and your cost basis.
All Aon tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Aon equity questions
- How much AON stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your AON position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Aon grant ISOs, NSOs, or RSUs?
- Equity compensation at Aon typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Aon RSUs use double-trigger vesting?
- Yes. Aon restricted stock units (RSUs) vest only when two things both happen: the time-based schedule completes, and the company has a liquidity event such as an initial public offering (IPO) or an acquisition. Until both occur you do not own the shares and owe no tax on them.
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OptionsAhoy plans your Aon equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.