Wealth Lab / Tools

One-Company Risk Scanner

See how salary, employer stock, unvested equity, benefits, and career exposure can connect different parts of your financial life to the same company.

Educational self-assessment only. The score is a transparent illustration based on your entries—not a validated risk model, prediction, recommendation, or financial plan.

Your information stays private. Entries and results remain in your browser and are not submitted to Talebi Wealth.

1. Income connected to the employer

Total annual household income

Use a consistent before-tax or after-tax basis for both income entries. Include recurring income from all household sources.

Annual income tied to this employer

Include salary and expected cash bonus from this employer, including a partner’s income if the same company employs both of you. Enter unvested equity separately below.

2. Wealth connected to the employer

Total investable assets

Include retirement and taxable investment accounts, including vested employer stock. Exclude your home and unvested equity.

Vested employer stock included above

Include vested RSUs, ESPP shares, options you already exercised, and other tradable holdings in the employer.

Estimated current value of unvested equity

Use an approximate current value—not a forecast. Unvested awards may be forfeited, change value, or be subject to taxes and restrictions.

3. Financial and career resilience

Essential monthly spending

The monthly amount needed for housing, food, healthcare, transportation, insurance, debt payments, and other essential commitments.

Liquid emergency reserves

Cash or cash equivalents available for an income interruption. Exclude retirement accounts and employer stock.

Estimated time to replace comparable incomeChoose your own estimate based on career portability, hiring cycles, network, geography, and compensation level. This is not a forecast.

Which meaningful benefits depend on this employer?

Select each category that would need replacement or would stop accumulating if employment ended.

Talebi Wealth | One-Company Risk Scanner | Printed

Educational snapshot

Your one-company dependency snapshot

A higher score means more of the factors you entered are connected to the same employer or have thinner selected buffers. It does not estimate the probability of job loss, company decline, or financial harm.

Dependency band

At-a-glance snapshot

of household income linked to the employer

of investable assets in vested employer stock

months of essential spending in liquid reserves

estimated unvested employer equity

Six dimensions behind the score

Each bar shows the points assigned by the published rubric below. It is not a comparison with other people.

If employer-linked income paused

This is a simple arithmetic snapshot. It does not model taxes, severance, unemployment benefits, spending changes, or new employment.

Questions worth exploring

How the educational score is calculated

The six factor scores add to a maximum of 100 points. The bands are: Lower (0–24), Moderate (25–49), Higher (50–74), and Extensive (75–100). These labels describe only the entered factors.

Factor	Maximum	Point bands
Employer-linked income ÷ household income	20	0 / 5 / 10 / 15 / 20 at ≤25% / ≤50% / ≤75% / ≤90% / >90%
Vested employer stock ÷ investable assets	20	0 / 5 / 10 / 15 / 20 at ≤5% / ≤10% / ≤20% / ≤35% / >35%
Unvested equity ÷ annual household income	15	0 / 4 / 8 / 12 / 15 at 0% / ≤25% / ≤50% / ≤100% / >100%
Liquid reserves ÷ essential monthly spending	15	0 / 5 / 10 / 13 / 15 at ≥12 / ≥6 / ≥3 / >0 / 0 months
Estimated income-replacement timeline	15	0 / 4 / 8 / 12 / 15 for 0–3 / 4–6 / 7–12 / >12 months / not sure
Employer-linked benefit categories	15	3 points for each selected category, up to five

Important: The thresholds and weights are an educational framework chosen to make concentration visible. They have not been statistically validated and should not be used to diagnose risk tolerance or determine an investment, employment, insurance, or benefits decision.

What this scanner does not evaluate

Probability of job loss or company failure
Employer credit quality
Future stock performance
Taxes or trading restrictions
Option exercise decisions
Vesting or forfeiture rules
Severance or unemployment benefits
Insurance coverage quality
Household debt and liabilities
Outside business interests
Risk capacity or risk tolerance
Your complete financial circumstances

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