3 Steps to Protecting Your Money After an IPO

Available for Interviews: Lauren Moone

Lauren Moone is an Executive Vice President at Mirador Capital Partners and has been providing investment advice for individuals, families, and institutions for over 13 years.

What Lauren Moone can say in an interview
on How to Protect Your Money After an IPO:

If you were fortunate enough to own stock in a private company that has recently gone through an initial public offering (IPO), you’re experiencing an enormous opportunity to grow your wealth. But knowing the right moves to make in this event can be difficult. 

Here are three important steps to take when navigating an IPO to achieve an outcome that maximizes your portfolio:

1. Develop a Financial Plan

After an IPO, there is typically a lock-up period of 180 days before employees can sell their stock. The lock-up period is the perfect time to evaluate your finances and put a plan in place, if you haven’t already. Begin by aggregating your personal balance sheet. What assets do you have now, including your company stock? What liabilities—such as student loans, mortgages, car payments, or credit card debt—do you have? 

2. Plan your sale, after the lock-up
period ends

Data shows that historically, on average, the best time to sell your stock is right after the lock-up period expires. Immediately selling the stock and investing the proceeds in a diversified portfolio is likely to provide a higher return than if you hold onto it. At a minimum, sell the necessary amount of stock that would allow you to achieve a large financial goal—such as putting a down payment on a house or paying off a high-interest loan.

3. Manage and invest the proceeds

Make sure you know how you’re going to execute the sale of your stock, the actual logistics that go into trading your position, and whether you’ll be doing it yourself or working with an advisor. Some people don’t know what to do, so they avoid making any decisions at all, which can be a costly mistake. Focus on the things that you can control, like selling stock immediately to put a down payment on a home or investing the proceeds for your retirement. These are wins that you can use to move forward in your life.


Interview: Lauren Moone

Lauren Moone specializes in complex financial planning and customized portfolio construction. She advises clients on vital financial matters including pre-IPO planning, employer stock option optimization, wealth transfer strategies, and concentrated equity strategies. Lauren is a native of Seattle, Washington and moved to California to attend Claremont McKenna College, where she graduated with a degree in Economics and Accounting. Lauren is a CFA® charterholder, a Certified Financial Planner (CFP®) certificant and a Certified Private Wealth Advisor(CPWA®) professional. Lauren currently resides in Pleasanton, California with her husband and three children.

Jo Allison
Managing Editor
Director of Public Relations
Success In Media, Inc.

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