How much of my employer's stock is too much, and how do I diversify safely?

A common guideline is keeping any single stock – especially your employer's – under about 10% of your investable assets. The risk is doubled: if the company stumbles, both your paycheck and your portfolio suffer at the same time, as employees at many failed firms learned painfully. RSUs and ESPP purchases quietly pile up concentration without you noticing. To unwind it, sell at vesting going forward (little extra tax since you already paid income tax), trim older lots that qualify for long-term rates, and reinvest into broad index funds. You can spread sales across tax years to manage capital gains. See where your concentration stands with wealthserene.com/tools/net-worth, then set a target percentage and sell down to it on a schedule rather than trying to time a peak.