Making the Most of Your Kodiak Equity
With Kodiak now publicly traded and your lockup period nearing expiration, you’re facing some of the most consequential financial decisions of your career — and the window to act thoughtfully is shorter than it might seem.
At Mercer Advisors, we work with employees navigating exactly this kind of moment.
- What the end of your lockup period means
- How your equity type
- Why your IPO changes your estate planning picture
- A practical framework
If you’d like personalized guidance on your situation, sign up for a complimentary consultation above.
Integrated Wealth Management
for Kodiak Employees
Kodiak’s IPO is a significant milestone, and for employees with equity or incentive compensation, it’s also a moment that calls for careful, personalized planning. Events like this move fast. Tax decisions, lock-up schedules, and vesting don’t wait—and choices made now can echo for years.
Mercer Advisors has guided hundreds of professionals through major liquidity events. Let us help you unlock your opportunity and make every decision with confidence.
One Team. Every Angle. All Working for You.
Your equity decisions don’t exist in a vacuum. At Mercer Advisors, your dedicated advisor is backed by a unified team of financial planners, investors, accountants, tax, and estate strategists.
SERVICES FOR Kodiak Employees
Equity Compensation Planning
- Comprehensive review of RSUs, ISOs, NSOs, and ESPP grants
- Kodiak’s new ESPP program analysis
- Lock-up period and trading window strategies
- Tax implications at each stage of your equity journey
Tax Planning & Optimization
- Tax timing simulator for AMT, capital gains, and withholding
- Personalized tax projections for 2026 and beyond
- Strategies to minimize tax burden on equity compensation
- Common tax mistake prevention and planning
Diversification & Portfolio Management
- Post-lock-up diversification strategy development
- Concentrated position management to reduce single-stock risk
- Liquidity stress testing under different scenarios
- Institutional-grade portfolio construction
Estate Planning & Legacy Protection
- The five foundational estate planning documents
- Trust structures for wealth protection
- Estate and gifting strategies for tax efficiency
- Understanding the 2026 estate tax landscape
Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice are provided through select third parties which Mercer Advisors has a contractual relationship.
A Family Office for Your Family
We’ve adapted the sophisticated, time-tested strategies used by ultra-high-net-worth individuals to help more families take control of their financial future.
A unified in-house team
of planners, investors, accountants, and estate strategists that designs — and executes — your financial plan.
A hand-picked advisor
who is focused on serving you, not on finding new clients.
An institutional-grade portfolio
personalized to you and managed by a team of 100+ investment professionals, not just one advisor.
A boutique fiduciary with national strength
that combines intimate service and sophisticated capability, and only acts in your best interest.
Resources for Kodiak Employees
Explore these articles to help you make informed decisions
about your equity compensation and wealth planning.
Mercer Advisors offers the strength of a large national firm with the personal touch you expect from a local office.
Read Reviews from our Clients
Helping families like yours for 40 years and counting.
Frequently Asked Questions
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It depends on your equity type, tax situation, and liquidity needs. Tendering now offers certainty because you know the price and control the timing. Waiting may preserve upside but introduces market exposure, potential lockup periods, and a tax bill that could land at the wrong moment. An advisor can model both paths against your specific grants before the window closes.
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The moment you sell or exercise equity, the tax clock starts. Whether you’re facing ordinary income tax on NSOs, AMT exposure on ISOs, or capital gains on long-held shares, the type of equity you hold and when you act determines what you owe. The good news: There’s often more planning room than people realize, but only if you act before the window closes.
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Concentration risk is one of the most overlooked dimensions of a liquidity event. When a significant portion of your wealth is tied to a single company, and your income comes from that same company, a lot is riding on one outcome. The acquisition creates a time-limited opportunity to diversify in a structured, tax-aware way while you still have options.
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We believe in simple, transparent fees. As a fee-based fiduciary, we can remain focused on doing what’s best for you.
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Emotional decision-making is common during liquidity events. Our behavioral coaching helps you stay grounded, avoid reactive choices, and make decisions aligned with your values and long-term strategy.
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At Mercer Advisors, the phrase “unified in-house team” refers to our integrated group of professionals — financial planners, investment managers, tax advisors, estate strategists, insurance specialists, and other professionals — who collaborate to design and execute your comprehensive financial plan. This unified approach helps ensure all aspects of your financial life are working together.
