- Monday 27 April 2026
Are You Over-Invested in Your Employer Without Realising It?
If you work in MedTech, your remuneration has likely moved well beyond a base salary. Over time, through progression, performance, and simply staying the course, bonuses, RSUs, and share schemes become part of the picture.
And that is a good thing, because these are not just benefits, they are some of the most powerful wealth building tools available when put to work. What is less obvious is how connected all of this can become over time. When we go through it properly with clients, it often becomes clear that a large portion of their financial life is tied back to the same source.
Where This Starts to Matter
In steady conditions, this tends to build quietly in the background. When everything is working, there is little reason to step back and assess it.
It becomes more noticeable when company performance changes. That can affect more than one area at once - bonuses adjust, share values move, and at the same time there may be some uncertainty around roles or progression. This isn’t a theoretical risk we see it all the time! It is the combined effect of these that often gets underestimated.
The level of exposure tends to become most visible at the points where decisions are actually made, particularly when RSUs vest.
How We Approach This With Clients;
When we work with clients at these ‘decision points’, it does not require reacting to every market movement or trying to predict outcomes. It is about deciding, in advance where possible, what role employer stock plays within their overall position, and acting consistently in line with that.
In a recent case we worked through with Lucy, her employer stock had performed strongly but had grown into an outsized part of her net worth. Holding everything left her exposed, while selling everything was too extreme. What she needed was a structured plan to gradually diversify while still retaining a sensible level of exposure.
You can read more about that here: “Can you have too much of a good thing?”
Because in most cases, the issue is not the quality of what you hold, but how much of your financial position depends on it.
We’ll be at MedTech on Thursday
If you’d like a clearer understanding of your own situation, feel free to call by and we can talk through it over a coffee.
