If you are an engineer or executive at a Houston energy company with five or ten years of tenure, there is a real chance that more than half of your family's net worth sits in one company's stock.

That can be tax-efficient, emotionally meaningful, and financially significant. It can also be the single biggest risk to the life your family is trying to build.

If you're an energy professional at Chevron, ExxonMobil, ConocoPhillips, or one of the independents along Houston’s Energy Corridor, you may have significant compensation in newly vested RSUs. And if you're like most professionals we work with your first instinct maybe to do nothing with them, which is understandable when you’re busy and unfamiliar with your options. Doing nothing may seem like the default, but it’s an active choice. And perhaps, not a good one.