Inna Kelly, a Morgan Stanley veteran advisor whose practice is based in San Francisco, has shepherded lots of early tech employees through their equity compensation journeys—and she is quite familiar with one of their biggest blind spots. Many of these clients "don't realize the significant work that needs to be done before their three- or four-year vesting period,†says Kelly, a Barron's Hall of Fame advisor whose five-person team manages $2 billion. "Even in private companies without liquidity options, the ...