Steadily over twelve years. Used it to pay off my home loan, fund my kids' education accounts, and build a separate equity portfolio in India. I've sold probably 60% of what I've vested across the years. The remaining 40% is a large Cisco position that I'm now planning how to unwind sensibly.

Schwab for the shares — Cisco uses Schwab. I had a system that worked for years: spreadsheet, CA does Schedule FA, repeat. But by year 10, the volume of historical data made the annual exercise genuinely heavy. My CA was spending two to three days just on my file.

At twelve years, the Schedule FA had become a multi-day annual exercise and I wanted one clean place to see my full US equity picture. Rovia imported the historical Schwab data, reconciled the lot history, and cut my Schedule FA prep from two days to about an hour. That was worth it by itself.

Gradually unwind the Cisco concentration and convert it to reliable income-generating assets — some dividend-paying funds, some debt instruments. I've accumulated enough. The priority now is converting that accumulation into something that generates steady cash flow rather than just appreciating in an account.

Low now. Ten years ago, moderate. When you're close to where you want to be financially, protecting what you have matters more than growing it. I've had the growth phase. I'm in the preservation phase. I'm comfortable with that.