One decision rarely stays in one place.
This is the work that turns weekends of research into something you’ve stopped thinking about.
Equity Compensation Planning
The decisions with the shortest windows and the longest consequences.
Read moreTax Planning
The moves that lower next April’s bill all happen before December.
Read moreCash Flow and Lifestyle Planning
A higher income hasn’t answered “Am I on track?”
Read moreInvestment Management
Your portfolio has to fund what you need in thirty years and what you need before then.
Read moreEstate Planning
The only part of the plan that has to work when you’re not there.
Read moreRisk and Insurance Planning
Building this took years. Losing it wouldn’t.
Read moreA new employer, a new state, old equity, and dozens of decisions.
- March
Your last day starts a 90-day clock to exercise your vested options. The rest of your equity stays behind.
- April
Your new payroll starts you at zero, but the 401(k) and HSA limits follow you, so your elections have to account for what you already contributed. The new group life and disability coverages come in different amounts on different terms, which changes what you need to cover on your own.
- April, week two
The new job comes with a grant of its own. Exercising it early and filing an 83(b) within 30 days means a lower tax bill, if there’s ever a liquidity event. Time to figure out whether your company allows it, how much it’ll cost, and how to file the election.
- June
Buy or rent? Renting means two moves in one year. Buying means a down payment before the old house sells, raised by selling investments, borrowing against them, or a bridge loan, and a gain on the old house that may or may not be tax-free. Somewhere in all of that, your estate documents need rewriting for the new state and your new accounts need beneficiaries.
- 90-day deadline
Exercising means finding cash (again) for stock you may never be able to sell. Not exercising means walking away from the upside of something you already earned.
- The following April
Two W-2s from two employers who don’t know what you earned at the other. A tax bill calculated on everything that happened last year. And your old state wants its share of the equity you earned there, regardless of where you exercised it.
- A few years later
The new company goes public. The 83(b) you filed in your first month is why the growth is taxed as a long-term gain instead of ordinary income, and that position is now the largest thing you own. The questions start again.
None of this comes with the offer letter.
This is the work we do: managing deadlines, weighing costs and benefits, and bringing you choices while there’s still time. None of it stops happening. It stops happening to you.
Equity Compensation Planning
Two people can hold the same grant and end up with very different numbers, depending on when they exercise, what they sell, and which tax year it lands in. We shape those decisions to fit what the money is for, and we start before the window opens instead of during it.
- Stock option exercise, sale, and AMT scenario modeling
- One sell schedule across ISOs, NSOs, RSUs, and ESPP
- 10b5-1 plan design
- Private company timing: 83(b) elections, profits interests, tender offers
Your equity turns into money you can actually use, without the running tally in your head.
Tax Planning
You had a great year, but it doesn’t feel that way when you owe five or six figures in April. At your income level, it isn’t one big mistake. It’s twelve months of small gaps nobody was watching. We spend the year closing them.
- Multi-year tax projections, run across different decisions
- Charitable gifting with appreciated stock, donor-advised funds, and CRTs
- Estimated payment planning for equity and bonus withholding shortfalls
- Year-round CPA coordination
You have cash set aside before the tax bill arrives. April becomes a form you sign.
Cash Flow and Lifestyle Planning
Your income doesn’t arrive the way a salary does. Base, bonus, and vests land on different schedules, so the questions stack up: whether the house is affordable, what’s left after taxes, what to do with the surplus, where it leaves you. We answer them.
- Major purchase planning and liquidity strategy
- Planning for cash flow surplus and deficit periods
- Tax-advantaged saving: mega backdoor Roth, deferred comp elections, HSAs
- Education and family goal funding strategies
Decisions that used to sit for months get made in an afternoon.
Investment Management
You’ve probably got the what right: index funds, low costs, a sensible mix. The harder part is the when. The money you’ll want in three years can’t afford a bad year, and the money you’ll need in thirty can’t afford to sit in cash. We build one allocation that does both.
- Pre- and post-diversification portfolio construction
- Direct indexing, tax loss harvesting, and exchange funds
- Asset location across taxable, 401(k), and Roth accounts
- 401(k) and outside account management
The market goes up, down, and sideways. Next year’s plans don’t change.
Estate Planning
An estate plan is the only part of your finances that never reports back. The market moves, the tax bill arrives, the paycheck lands. The trust says exactly what it said the day you signed it, while everything it refers to keeps changing. We watch the parts that move.
- Beneficiary designations and asset titling
- Privacy and asset protection planning
- Tax-focused wealth transfer strategy
- Estate design, attorney coordination, and document alignment
Someone keeps the plan current in the years it doesn’t matter, so it works on the day it does.
Risk and Insurance Planning
The job gave you life insurance at two times salary and disability at 60% of base, capped. Neither comes close to what you earn or what your family depends on. We size coverage to what you can’t afford to lose.
- Life, disability, and health coverage design and review
- Coordination of group and private policy coverages
- Umbrella liability analysis and coordination with P&C coverage
- Broker implementation after cost, coverage, and carrier evaluation
What you’ve built survives what you could never plan for.
Bring us the decision you’re stuck on.
A 45 to 60 minute phone call. Tell us what’s changing, and we’ll tell you what it touches.
Book an Intro Call