Financial guidance for entrepreneurs and senior executives
after an exit, liquidity event, or during relocation periods
Post-Exit & RSU Wealth Management
The period following a liquidity event — whether through a company exit, the vesting or sale of Restricted Stock Units (RSUs), or a return to Israel after time abroad — is one of the most complex financial transitions in the life of a tech founder or senior executive.
What changes is not only the level of wealth, but the nature of decisions.
At the very moment capital becomes available, uncertainty increases:
income becomes irregular, tax exposure expands, concentration risk emerges, and decisions that were previously deferred suddenly feel urgent. The challenge is no longer how to grow professionally — but how to structure, protect, and govern wealth over time, often across multiple jurisdictions and institutions.
This phase is rarely about finding the “right” investment.
It is about making decisions in the right order — and avoiding irreversible mistakes at a moment when pressure is high and clarity is scarce.
A Transition That Requires Structure, Not Speed
At Lucid Investments Family Office, we accompany founders and senior executives through this transition with discretion, independence, and clarity — from the first liquidity event to the establishment of a stable, transparent, and long-term wealth structure for the entire family.
Clients remain the decision-makers.
Our role is to slow the process when needed, structure choices, and coordinate across banks, advisors, and jurisdictions — before delegation, and without removing control.
A Disciplined Framework for Post-Liquidity Decisions
Our work is guided by a long-term investment and governance framework inspired by Swiss private banking standards.
The focus is not short-term optimization, but:
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capital preservation before expansion
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disciplined sequencing of decisions
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global coherence across assets, structures, and tax regimes
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independence from products and platforms
This approach is designed for moments when wealth is created faster than certainty — and when thoughtful governance matters more than immediate action.
Who We Work With
We work with individuals and families whose financial situation has changed fundamentally — typically following a liquidity event, equity realization, or international transition.
This includes:
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founders following a full or partial exit
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senior technology executives holding significant RSUs, stock options, or ESPP positions
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employees realizing liquidity through mergers, acquisitions, or IPO-related events
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Israelis returning after years abroad, with assets and structures outside Israel
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families with accounts, investments, or corporate structures across multiple jurisdictions
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high-net-worth individuals seeking to re-establish a balanced, risk-managed portfolio after a period of concentration
What these situations share is not a specific profession or net-worth level — but a shift in complexity and responsibility, where decisions can no longer be made in isolation.
Major Challenges After an Exit or RSUs
Liquidity events create opportunity — but they also introduce a new category of risk. Not market risk, but decision risk, amplified by timing, taxation, and the sudden absence of familiar reference points.
1. Building an Investment Portfolio When Capital Arrives in Phases
For many founders and executives, liquidity does not arrive all at once.
Some equity remains unvested.
Some shares are subject to lock-ups or sale restrictions.
Some value stays tied to the acquiring company.
The challenge is not what to invest in, but when and how to enter markets without pressure.
At Lucid, we design a staged deployment strategy, allowing exposure to be built progressively and deliberately — aligning market entry with liquidity timing, risk tolerance, and long-term objectives.
The goal is not speed, but avoiding early allocation mistakes that shape outcomes for years.
2. Concentration Risk in a Single Dominant Position
After an exit or during extended RSU vesting, portfolios are often dominated by a single stock — typically employer shares or exit consideration.
Familiarity, emotional attachment, and recent performance often delay diversification far beyond what is prudent.
This creates hidden risk.
We structure gradual, tax-aware diversification plans that reduce concentration over time, taking into account:
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tax implications
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liquidity constraints
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market conditions
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portfolio balance
Diversification is treated as a process, not an event.
3. RSUs, Stock Options & ESPPs — When Tax, Timing, and Risk Intersect
RSUs trigger taxation at vesting — regardless of whether shares are sold.
Without coordination, this often leads to:
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unnecessary tax leakage
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poorly timed sales
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excessive exposure to employer stock
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portfolios unintentionally dominated by a single asset
We help clients coordinate tax planning, sale timing, and reinvestment decisions so that equity compensation supports long-term stability rather than amplifying risk.
4. Replacing a Salary with Sustainable Investment Cash Flow
One of the most underestimated challenges after an exit is the loss of predictable monthly income. Even with substantial assets, the absence of a salary creates pressure — and pressure leads to short-term decisions.
We help clients design:
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short- and medium-term liquidity buffers
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structured cash-flow models to replace salary income
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withdrawal strategies that preserve long-term capital
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tax-efficient income planning
The objective is simple but critical:
financial calm, so decisions are made thoughtfully rather than reactively.
Why This Matters
When cash flow is unclear, people:
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delay diversification
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chase yield
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sell assets at the wrong time
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take risks they would normally avoid
Addressing cash flow early is not conservative —
it is what allows everything else to be done properly.
Relocation, Return to Israel & Global Asset Coordination
International relocation and returning to Israel introduce a second layer of complexity — not because assets change, but because the framework governing them does. What previously worked smoothly across jurisdictions often requires careful restructuring once Israeli tax, reporting, and regulatory rules apply.
1. Returning to Israel After Extended Time Abroad
Israelis returning after years abroad often arrive with a wide range of global assets: brokerage accounts, RSUs and equity compensation, investment funds, trusts, or real estate held across multiple jurisdictions.
Upon returning to Israel, several shifts occur simultaneously:
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assets previously outside the Israeli tax net may become taxable
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comprehensive annual reporting becomes mandatory for foreign accounts
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RSUs and ESPP plans can trigger immediate tax exposure
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banking relationships and account structures may need to be reconfigured
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holding structures designed abroad may no longer be efficient
At Lucid, we begin with a global asset map — establishing a clear, consolidated view of all assets, entities, and exposures — and then adapt each component to Israel’s tax and reporting framework, in coordination with specialist advisors.
The objective is clarity first, action second.
2. Structural Changes Affecting Closely Held and Foreign Companies
Recent Israeli tax reforms have increased scrutiny on profits retained within closely held companies and foreign corporate structures.
In practice, this means that assumptions which once allowed long-term tax deferral may no longer hold — depending on residency, ownership structure, income classification, and control.
Rather than reacting to regulatory changes piecemeal, we help clients:
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assess exposure across existing structures
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test planning assumptions against updated rules
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coordinate with cross-border tax specialists
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explore alternative structures where appropriate
The focus is not aggressive tax planning, but long-term structural coherence in a changing regulatory environment.
3. Global Private Banking & International Diversification
For many founders and senior executives, maintaining part of their wealth outside Israel is a deliberate choice — for diversification, legal stability, and global accessibility.
Lucid supports this by:
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guiding the opening and structuring of private banking relationships in jurisdictions such as Switzerland and Luxembourg
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designing globally diversified investment portfolios across custodians
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selecting international banking platforms suited to Israeli residents
Global diversification is treated as a design principle, not a tactical allocation decision.
Schedule a Discreet Consultation
If you are navigating a liquidity event, managing RSUs or equity compensation, returning to Israel after time abroad, or coordinating assets across jurisdictions, we would be pleased to explore how a structured, independent family-office approach could support your next decisions.
The conversation is confidential, exploratory, and without obligation.
