Executives
Your Compensation Is Complex. Your Plan Should Be Too.
RSUs, stock options, deferred comp, and concentration risk. Most advisors treat equity comp as a side topic. For you, it is the main event.
Equity Compensation Changes Everything About Financial Planning
Your total compensation looks nothing like a standard paycheck. Base salary is the easy part. Layered on top are restricted stock units vesting on different schedules, stock options with their own tax timing, deferred compensation elections you make once a year and live with for a decade, and a concentration in company stock you did not choose.
Most financial advisors are not equipped to model these moving parts together. They treat equity comp as a line item instead of the engine driving most of your other financial decisions. The result is piecemeal advice that misses the interactions between your vesting schedule, your tax bracket, your diversification needs, and your retirement timeline.
We model all of it as one system. When should you exercise? How much company stock is too much? What is the optimal Roth conversion strategy given your vesting cliff next year? These are the questions that actually move the needle, and they require an advisor who understands the mechanics.
What We Hear Most
Sound Familiar?
I do not know how much company stock is too much
Concentration risk is real. When your net worth rises and falls with one ticker symbol, your financial future is a bet, not a plan. We build a disciplined diversification framework.
I am leaving money on the table with my deferred comp
Elections are made once a year and locked in. The right strategy depends on your retirement timeline, expected tax rates, and what the rest of your portfolio looks like.
My tax situation is more complicated than my CPA expects
AMT exposure from ISOs, short-term vs long-term gains on RSU sales, Section 83(b) elections. We coordinate with your CPA to model multi-year tax projections.
I have a liquidity event coming and no plan for it
IPO, acquisition, or a major vesting cliff. The planning window is narrow and the stakes are enormous. We build pre-liquidity plans months before the event.
How We Help
Services Built for You
The biggest mistake we see is treating equity comp as a separate puzzle from the rest of the plan -- when it is actually the engine driving most of the other decisions.