Equity Compensation Planning

Equity compensation provides a unique opportunity to build wealth and participate in your company’s success. Whether you are a founder, executive, or employee, I can guide you through complex decisions involving:

• Deferred and equity compensation

• Restricted Stock and Units (RSUs)

• Incentive Stock Options (ISOs)

• Nonqualified Stock Options (NQSOs)

• Stock Appreciation Rights (SARs)

• Employee Stock Purchase Plans (ESPPs)

• Private and Pre-IPO equity

• Alternative Minimum Tax (AMT)

Proper planning requires integrating your financial plan, tax strategy, and investment goals.

You can increase your chances of success by:

• Understanding how your compensation is taxed,

• Multi-year tax strategies, estate planning, insurance planning, and

• A comprehensive investment approach based on your values and goals

Decisions related to equity compensation can have major financial consequences. Consult a financial advisor before making decisions.

Comprehensive Financial Planning

We start by evaluating your goals, time horizon, and risk tolerance. By reviewing your income, expenses, investments, assets, insurance, and estate plans, we create net worth and cash flow statements that we can interact with.

Through comprehensive analysis, we develop personalized strategies that serve as a roadmap for making informed decisions aligned with your short- and long-term goals.

Proactive Tax Planning

A forward-thinking approach to managing taxes.  We work closely with your tax professional to manage taxes proactively, reviewing your tax situation to minimize tax liabilities throughout your lifetime. By analyzing current and projected income, we determine the best use of each dollar during your working years and each withdrawal in retirement.

Estate Planning

We collaborate with your estate planning firm to review your plan, ensuring smooth wealth transfer and fulfillment of personal wishes upon death or incapacitation.

Our approach begins with a detailed assessment of your financial assets, family dynamics, and personal goals. Working with legal experts, we craft tailored estate plans addressing wills, trusts, powers of attorney, and healthcare directives. We aim to minimize taxes, avoid probate complications, and ensure orderly asset distribution according to your wishes. This helps you safeguard your legacy and secure your loved ones’ financial future.

Insurance Planning

We help you prepare for unexpected events by analyzing your financial situation, family dynamics, and risk tolerance. Collaborating with reputable providers, we tailor solutions for health, life, disability, long-term care, and property and casualty insurance.

We regularly review and adjust plans to accommodate changes in asset valuation, your life, and evolving risk profiles. By prioritizing insurance planning, we provide peace of mind and protection against unforeseen events. Please note, we are not insurance agents and do not sell insurance policies, nor do we accept commissions or any form of compensation for recommending you to an agent who does sell you a policy.

Investment Management

We offer professional oversight and strategic management of your investment portfolios. With discretionary management, clients delegate day-to-day decision-making to our experienced investment professionals.

Our process starts with assessing your financial situation and investment objectives. We design customized strategies based on asset allocation, diversification, and risk management. Our team continuously monitors markets and adjusts portfolios as needed.

Discretionary portfolios are held at Charles Schwab & Co., Institutional.

Social Security Timing

The timing of Social Security benefits can significantly impact your financial plan. We start with an analysis of your actual or projected benefits to optimize your retirement income strategy.

Strategic choices can maximize total lifetime benefits, increase survivor benefits, mitigate longevity risk, and offer tax advantages. Delaying Social Security for those working past Full Retirement Age can increase future benefits.

Medicare Planning

Integrating Medicare guidance into your financial plan helps you manage healthcare costs and maintain financial well-being in retirement. We start by evaluating your healthcare needs and current insurance coverage. From there, we provide tailored recommendations on Medicare options and guide you through the enrollment process to help you avoid penalties and surcharges.

Pension Maximization

For clients with defined-benefit pension plans. We analyze distribution options to maximize benefits while considering individual circumstances. We compare lump-sum payouts with monthly annuity payments to determine the most advantageous choice.

Through careful evaluation, we empower clients to maximize pension benefits and enhance their overall financial security in retirement.

Education Savings Strategies

For clients with children or grandchildren, we offer tailored solutions for education savings. We utilize tax-advantaged accounts like 529 plans or Coverdell Education Savings Accounts. Discretionary investment management is available.

All services are performed virtually, offering clients convenience and accessibility. Through online meetings, phone calls, and secure digital platforms, we provide personalized financial planning and guidance without in-person meetings. This approach allows us to serve clients regardless of location while maintaining professionalism and confidentiality.