Marsh McLennan (MRSH) Stock Concentration Calculator
Calculator · free · no signup · MRSHQuantify Marsh McLennan concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
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 Marsh McLennan
Marsh McLennan (MRSH) is a public Fintech company, incorporated in Delaware and headquartered in New York, NY.
Last close: $186.37 per share (as of 2026-08-18).
Equity grants at Marsh McLennan typically include restricted stock units (RSUs).
Marsh & McLennan Companies, Inc., doing business as Marsh McLennan and Marsh, is an American professional services firm headquartered in New York City, with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, which offers risk management, insurance broking, insurance program management, risk consulting, analytical modeling, and alternative risk financing services; Marsh Re, a reinsurance intermediary and advisor; Mercer, which provides consulting to employers for health insurance, retirement plans, and pension plans; and Oliver Wyman, including Lippincott and NERA Economic Consulting, which provides consulting services. In 2024, risk and insurance services contributed a total of 63% of revenues and 71% of operating profit, while consulting contributed 37% of revenues and 29% of operating profit. It is the largest insurance broker worldwide.
Source: Wikipedia (CC BY-SA 4.0)
The company is the largest insurance broker in the world and also owns Mercer, Oliver Wyman, and the reinsurance broker Guy Carpenter, so about a third of revenue comes from consulting rather than broking. Brokers are paid to place risk without carrying it, which produces stable fee income across underwriting cycles. Consulting on retirement, health benefits, and strategy is sold to the same corporate buyers. Scale matters in reinsurance placement because it concentrates market information. Headquarters are in New York.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Marsh McLennan.
If a meaningful share of your net worth sits in MRSH, 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 MRSH's option-implied volatility.
Example: 5,000 MRSH shares at $186.37 is a $931,850 position. A 30% drawdown costs $279,555; a 50% drawdown costs $465,925; a 70% drawdown costs $652,295. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using MRSH's option-implied volatility and your cost basis.
All Marsh McLennan tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Marsh McLennan equity questions
- How much MRSH 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 MRSH position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Marsh McLennan grant ISOs, NSOs, or RSUs?
- Equity compensation at Marsh McLennan typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your Marsh McLennan equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.