You may have seen the headlines about Trump Accounts—the new child savings accounts created under recently passed tax legislation. As is often the case with new planning tools, they’ve generated plenty of interest… and a fair amount of confusion.

Most investors eventually face a familiar dilemma: an investment that has grown so much that it now dominates their financial picture. It might be employer stock, a long-held equity position, a rental property, or even a business interest. While the growth is a sign of success, the embedded capital gains can make selling—and diversifying—feel prohibitively expensive.