Equity Pulse — HenryPulse

Persona Presets

Panel 1 — Equity Position

Equity Type

Current Stock Price ($)

Volatility σ (%)

RSU Grant Details

Shares Unvested

Shares Already Vested

Vesting Schedule

Grant Length (yrs)

Years into Grant

Post-IPO lockup applies (180-day)

Panel 2 — Diversified Portfolio

Current Diversified Balance ($)

Expected Return (%)

Volatility σ (%)

Equity–Portfolio Correlation: 0.40

Panel 3 — Scenario & Tax

Horizon (Years)

Risk-Free Rate (%)

Ordinary Income Tax Rate (%)

ℹ️ Estimates use US federal rates only. Add your state rate below. Not financial or tax advice.

Long-Term Capital Gains Rate (%)

State / Region Effective State Rate (%)

Monte Carlo Paths

HenryPulse Concentration Risk Engine

Run simulation to see results

Conc. Ratio

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QSBS

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📊 Concentration Risk Metrics

Single-Stock %

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VaR 95% (1yr)

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Diversif. Benefit

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p50 — Concentrated

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Median with equity

p50 — Diversified

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Median if sold today

p10 Downside

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10th percentile

p90 Upside

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90th percentile

Portfolio Fan Chart — Concentrated vs Diversified

Concentrated p50

Conc. p25–p75

Conc. p10–p90

Diversified p50

Verdict Rationale

Configure your equity position and run the simulation to see your concentration risk analysis.

💡 "Sell X% Today" Optimizer

Move the slider to see how partial liquidation changes your risk profile and tax bill in real-time.

Apply SEC Rule 144 volume limit

Sell 0% of vested position $0 gross

Gross Proceeds—

Estimated Tax Bill—

Net After Tax—

Remaining Conc. Ratio—

Rule 144 Cap (90-day)—

Vesting Timeline

Run simulation to see vesting timeline.

Option Valuation (Black-Scholes)

Select ISO or NQSO equity type and run simulation.

Zero-Cost Collar Calculator

A zero-cost collar buys a protective put and sells a covered call — the premiums approximately offset.

Collar Maturity (months)

Floor (% of spot): 85%

Put Strike (Floor)

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Call Strike (Cap)

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Put Premium

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Call Premium

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Net Cost

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Protective Put Pricing

Cost of buying a standalone put option to floor your downside.

Put Strike (% of spot): 90%

Maturity (months)

Put Strike

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Per-Share Premium

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Total Cost (vested)

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Sensitivity Analysis — What Drives Your Outcome

Impact on p50 portfolio value from a ±1σ move in each input.

Run simulation to see sensitivity analysis.

Analytical Crosschecks

Run simulation to see crosschecks.