Financial guidance for entrepreneurs and senior executives after an exit, liquidity event, or during relocation periods
The transition following an exit, an equity liquidation such as Restricted Stock Units (RSUs), or returning to Israel after a relocation is one of the most financially complex crossroads in the life of a tech founder or senior executive.
Precisely at the moment when significant wealth is created, uncertainty increases and new challenges arise: tax planning, proper diversification, building an investment portfolio from scratch, navigating volatile markets, managing liquidity without a steady salary, and adapting all assets to the Israeli financial and tax structure.
At Lucid Investments Family Office, we accompany entrepreneurs and senior executives through this transition with discretion, professionalism, and clarity — from the very first moment until a stable, balanced, and transparent wealth-management structure is established for the entire family.
Who We Work With
We specialize in advising individuals and families who have created new wealth or recently gained liquidity, including:
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Founders after a full or partial exit
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Senior tech executives with RSUs, stock options, or ESPP plans
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Employees receiving significant liquidity through M&A events
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Israelis returning home after years abroad
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Families with global accounts or foreign corporate structures
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High-net-worth individuals looking to rebuild a balanced, risk-managed investment portfolio
Major Challenges After an Exit or RSUs
1. Building a New Investment Portfolio from Scratch
Many founders and executives experience a large liquidity event “all at once,” but the capital is not fully available immediately:
some equity is still unvested, some is under lock-up or sale restrictions, and some remains tied to the acquired company.
The decision of when and how to start investing shapes long-term returns for years ahead.
At Lucid Investments Family Office, we design a staged market-entry strategy (Staged Deployment) so that exposure is built gradually, rationally, and without pressure — ensuring a balanced and thoughtful transition into the markets.
2. Concentration Risk in a Single Large Position (Employer / Exit Stock Risk)
One of the most common mistakes after an exit is holding a single oversized position — typically employer stock or shares of the company that was sold.
Emotional attachment and the belief that “it has always gone up, it will continue to go up” often lead to dangerous concentration risk.
We construct a gradual diversification plan that reduces exposure in a structured way, taking into account tax implications, liquidity, and the timing impact on the portfolio.
3. Managing RSUs, Stock Options & ESPP — Tax, Timing, and Diversification
Income from RSUs creates a tax event on the vesting date — even if no shares were sold.
Without proper planning, this can result in:
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Double taxation
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Poorly timed sales
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Excessive exposure to employer stock
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An unbalanced portfolio dominated by a single asset
We help clients optimize tax planning, sale timing, and rebuilding a diversified global exposure.
4. Creating a “Salary from Investments” After Leaving a Senior Role
After an exit or stepping away from a senior executive position, the monthly salary disappears —
but life expenses, education costs, mortgages, and family responsibilities remain.
We build:
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A short- and medium-term liquidity plan
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A stable cash-flow model to replace the monthly salary
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Withdrawal strategies that protect long-term capital
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Tax-efficient income planning
Our goal: peace of mind and the ability to make decisions without financial pressure.
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Relocation, Returning to Israel & Managing Global Assets
1. Returning to Israel After the 10-Year Tax Exemption Period
Israelis who have lived abroad (in the U.S., Switzerland, Luxembourg, London, Singapore, and more) often return with a wide range of global assets — brokerage accounts, RSU equity, funds, trusts, or real estate.
Once they move back to Israel, everything changes:
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Assets previously exempt from tax may now become taxable
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Annual reporting is required for all foreign accounts
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RSUs and ESPP plans can create immediate tax liabilities
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Existing bank accounts may require restructuring
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Foreign holding structures may no longer be efficient
At Lucid Investments Family Office, we create a full Global Asset Map and adapt every holding to fit Israel’s tax regime and reporting requirements.
2. Israeli Tax Reforms Affecting Closely Held and Foreign Companies
In 2025 Israel implemented significant tax reforms aimed at reducing the ability to indefinitely defer tax on profits retained within closely held companies or foreign corporate structures used for tax planning. These changes affect the taxation of undistributed profits and require careful review of holding structures and planning assumptions. Depending on the shareholder’s residency, company ownership, and the nature of the income, certain profits retained abroad may be subject to additional Israeli tax costs or distribution requirements.
At Lucid Investments Family Office, we help clients assess their exposure to these reforms, coordinate with cross-border tax specialists, and explore more efficient structures — including active business entities, trusts, or partnerships — to align long-term wealth planning with the evolving tax landscape.
3. Global Private Banking & International Diversification
Many founders and senior executives prefer to keep part of their wealth abroad — for diversification, legal stability, security, or global accessibility.
We guide clients through:
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Opening private-banking accounts in Switzerland and Luxembourg
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Building a fully diversified global investment portfolio
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Selecting the most suitable international banks for Israeli investors
