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Concentrated Wealth

IPO Wealth Planning

Helping founders, executives and employees navigate the IPO journey, from tax strategies and investment diversification to estate planning and family governance

With Coordination

Clarity for Complex Wealth Decisions

An IPO compresses years of complex, interrelated financial decisions into a few months. Northern Trust can help coordinate among your advisors and navigate the IPO process through a single strategic plan so that critical decisions happen when they matter most and each choice is aligned with your family’s long-term objectives.

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Infographic illustrating fragmented financial planning creates conflicting advice, missed opportunities, tax inefficiencies and investment risk.

A Coordinated Strategy for Concentrated Wealth

We help founders, executives and employees with significant company equity navigate IPOs and vesting events, including aligning decision-making around taxes, investment diversification and estate planning, as well as privacy and security considerations.

01

IPO Liquidity and Cash Flow Planning

Turn IPO proceeds, stock options, RSUs and other forms of equity compensation into a clear cash flow plan that aligns with your financial goals.

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02

Managing Concentrated Stock

Reduce your investment risk from holding a concentrated stock position by implementing a tax-efficient diversification strategy that considers your liquidity needs and timing constraints.

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03

Tax and Estate Planning

Coordinate with your advisors to implement tax strategies that can maximize the impact of your wealth across generations.

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04

Privacy, Security and Family Wealth Planning

Protect your privacy and security post-IPO and develop a plan for how your family will talk about wealth together.

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05

Charitable Giving

Align your wealth with your values, using tax-efficient strategies to maximize philanthropic impact.

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The IPO Playbook

Significant Equity? Plan Before the IPO

With the IPO of your company, wealth can materialize overnight. Without experienced guidance, decisions such as diversifying a concentrated stock position, minimizing taxes and regulatory constraints can have lasting consequences. Discover actionable strategies to help you navigate complexity and position your wealth for the long-term.

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Why Northern Trust

The Right Expertise, When You Need It

135+
Years

We have advised generations of wealthy families, for generations. There is no wealth management challenge we have not seen and solved for time and time again.

Best Private Bank

Our longstanding commitment to service excellence is exemplified through consistent recognition by the Financial Times Group as the Best Private Bank 14 of the last 17 years.

40+
Specialty Areas

Your dedicated team across banking, trust & estates, wealth planning and investing is also backed by a deep bench of experts across 40+ specialty areas.

Insights

Expert Advice for Wealth that Lasts

How to Protect Your Privacy Before, During and After an IPOAn IPO is a career achievement and a major financial milestone — but the process can make personal and family information more visible.Read Article
Aerial View of a RoundaboutMitigating Concentration Risk Through DiversificationUnderstand the risks of single stock concentration.Read Article
A happy family playing togetherEstate PlanningA Stress Test For Your Estate PlanAre there surprises lurking in your plan?Read Article
A family meeting with an advisor in a conference room.Money MasterclassDo You Need a Family Office?Managing complex wealth requires coordinated expertise.Read Article
Parents with young child watching sunset on a dock.Money MasterclassSecrets of Enterprising FamiliesFive secrets of successful intergenerational wealth transfer.Read Article

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One Partner for Complex, Concentrated Wealth

Learn how Northern Trust can help coordinate every decision before, during and after your liquidity event.

© 2026 Northern Trust Corporation. Head Office: 50 South La Salle Street, Chicago, IL 60603. Incorporated with limited liability in the U.S.

LEGAL, INVESTMENT AND TAX NOTICE: This information is not intended to be and should not be treated as legal, investment, accounting or tax advice and is for informational purposes only. Readers, including professionals, should under no circumstances rely upon this information as a substitute for their own research or for obtaining specific legal, accounting or tax advice from their own counsel. All information discussed herein is current only as of the date appearing in this material and is subject to change at any time without notice.

The information contained herein, including any information regarding specific investment products or strategies, is provided for informational and/or illustrative purposes only, and is not intended to be and should not be construed as an offer, solicitation or recommendation with respect to any investment transaction, product or strategy. Past performance is no guarantee of future results. All material has been obtained from sources believed to be reliable, but its accuracy, completeness and interpretation cannot be guaranteed.

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