Who We Serve
Our mission is to bring clarity and confidence to your financial life.
Tech Executives and Specialized Tech Talent
The tech industry has experienced significant growth over the last decade. Our clients work at companies like Arm, Nvidia, Amazon, Google, Meta, Tesla, Indeed, Cirrus Logic, and more. Many have recently experienced unexpected financial success through significant equity compensation packages, tender offers, or IPOs, and are seeking support in managing cash flows and related taxes.
Many of our clients receive significant portions of their compensation via equity grants. By balancing the tradeoffs between growth potential, risk management, and tax management of equity compensation, we help clients optimize these assets to build long-term wealth for their families.
Our clients understand that maintaining employer stock comes with significant risks. An employee’s income and net worth are heavily tied to the employer’s performance. Responsible risk management becomes a key objective during financial planning.
We help clients figure out when they are financial ly ready to make work optional while still meeting future financial goals. When retirement is likely to last five decades or more, portfolio design, risk management, and tax management are critical. An appropriate asset allocation, techniques like asset location, and risk mitigation of unprotected assets can help make resources last for the long-term.
Elite Professionals and Executives
We understand the unique challenges of demanding careers that require long hours and frequent deadlines. Many of our clients are highly-successful individuals working in the fields of technology, healthcare, law, and more.
Many thrive on the energy of making a meaningful impact on their organizations and clients, and simply want to outsource the time and energy required to manage their financial life. Others are ready to retire or make a career transition to a field that is more aligned with their personal interests and want to know if they are financially prepared.
Together, we build a plan that meets your unique retirement goals and provide support each step of the way.
Many executives receive a significant portion of their income in company equity. We provide tax planning, risk management, and cash flow planning for individuals receiving partnership distributions, Restricted Stock Units, Employee Stock Option and Purchase Plans, bonuses, and more.
Your income may come from various sources, including W2 income, partnership distributions, investment income, and real estate, and you may be in a high tax bracket. We use various techniques such as asset location, tax loss harvest ing, and tax gain harvesting in investment portfolios to provide more control over your tax experience and minimize taxes over the course of your lifetime.
You have worked hard to build your career and enjoy the satisfaction (and income) it brings – but you know you will have to retire eventually. Whether the goal is to retire tomorrow or in twenty years from now, we help you understand what retirement might look like based on your financial situation today and build an action plan to create the retirement lifestyle you dream of.
Having an overall strategy is important when your portfolio contains a variety of asset classes, including stocks, bonds, real estate, business interests, and more – otherwise hidden risks and inefficiencies can occur. By evaluating your total portfolio from a risk/return perspective, we evaluate which investments have the most potential to provide higher risk-adjusted returns while providing diversification to withstand good and bad market conditions.
Busy Families
On top of a never-ending to-do list, it can be challenging to find the time to get one’s financial house in order, let alone keep it there. Yet, for families balancing multiple competing priorities such as saving for both retirement and college or covering childcare expenses, setting a strong financial foundation through early planning can be critical to achieving long-term goals.
There are almost as many ways to save for college as there are colleges to choose from. We help you navigate the various savings vehicles – including 529 accounts, taxable accounts, and custodial accounts – while considering their impact on your child’s ability to receive financial aid and your tax bill. We also help you develop a plan for consistent college savings over time that won’t scrap your retirement goals.
Together, we evaluate various scenarios common to families with young children, such as a spouse taking extended time off, nanny and daycare costs, private school tuition, and more. We help weigh pros and cons of various decisions and anticipating impact of decisions on one’s ability to achieve future goals.
We review strategies for saving for retirement when working toward additional financial goals like education and upsizing a home, or facing other major financial decisions like funding child care or stepping back from work.
Sole Proprietors and Business Owners
We serve visionary entrepreneurs and business leaders who have built successful enterprises from the ground up and are constantly looking for ways to grow while protecting their assets.
We help weigh the costs and benefits of incorporation, provide guidance on retirement plans that remain cost-effective while helping you achieve your retirement goals, and coordinate with your tax professional to identify possible deductions and optimize your tax bill.
When income varies from year to year or significant expenditures occur on a regular basis, cash flow planning is critical to achieving future financial goals. We help you make strategic decisions around cash reserves and model various scenarios to help you operate from a position of financial strength and certainty.
Various types of retirement accounts are available to business owners and employees, including the solo 401k, SEP IRA, SIMPLE IRA, defined benefit plans, and more. We guide you through the decision of whether to create a retirement plan for yourself and your employees, and which plans are most likely to meet your retirement and business goals, taking into account tax benefits and retirement plan regulations.
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