Raymond James (RJF) Stock Concentration Calculator
Calculator · free · no signup · RJFQuantify Raymond James 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 Raymond James
Raymond James (RJF) is a public Fintech company, incorporated in Florida and headquartered in St Petersburg, FL.
Equity grants at Raymond James typically include restricted stock units (RSUs).
Raymond James Financial, Inc. is an American multinational independent investment bank and financial services company providing financial services to individuals, corporations, and municipalities through its subsidiary companies that engage primarily in investment and financial planning, in addition to investment banking and asset management. The company is headquartered in St. Petersburg, Florida.
Source: Wikipedia (CC BY-SA 4.0)
Robert James founded the firm in St. Petersburg, Florida in 1962, and it grew into one of the largest independent broker-dealers by offering advisors a choice between employee and independent contractor affiliation, a flexibility the wirehouses did not match. Private client group revenue dominates, supplemented by capital markets, asset management, and a bank that lends against client assets. The 2019 and 2022 acquisitions added Canadian and TriState Capital assets. The firm is known for conservative balance sheet management across cycles.
Sources: raymondjames.com · en.wikipedia.org
Equity comp at Raymond James
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Raymond James.
If a meaningful share of your net worth sits in RJF, 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 RJF's option-implied volatility.
All Raymond James tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Raymond James equity questions
- How much RJF 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 RJF position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Raymond James grant ISOs, NSOs, or RSUs?
- Equity compensation at Raymond James typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Raymond James RSUs use double-trigger vesting?
- No. Raymond James restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Raymond James equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.