Corporate executives, with demanding schedules and unique compensation structures, often have a substantial portion of their wealth tied to company stock. Managing this concentration of assets requires a strategic approach that aligns with both your personal and professional goals. We provide specialized financial planning services designed to help you navigate the complexities of executive compensation and secure your financial future.
Our services include:
We help you evaluate your stock options, restricted stock units (RSUs), and performance shares, ensuring you understand the nuances of each type of equity compensation. This includes analyzing vesting schedules, expiration dates, and potential tax implications to optimize when and how you exercise these options.
Given that a significant portion of your wealth may be concentrated in company stock, we work with you to develop diversification strategies that mitigate risk while maintaining growth potential. This might involve staggered stock sales, tax-efficient rebalancing, and the use of alternative investments.
*Diversification is an investment strategy that can help manage risk within a portfolio, but it does not guarantee profits or protect against loss in declining markets.
We collaborate with tax professionals to create strategies that minimize your tax liabilities. This includes planning around the timing of stock sales, deferring income when appropriate, and utilizing techniques like 83(b) elections, charitable giving, or Roth conversions to optimize your tax position.
We assist you in integrating your executive compensation into a broader retirement plan that accounts for your desired lifestyle, legacy goals, and estate planning needs. This includes structuring a wealth transfer plan that considers the impact of estate taxes, potential charitable contributions, and the use of trusts or other vehicles to pass on wealth efficiently.
Beyond stock compensation, we provide a thorough review of other executive benefits, such as deferred compensation plans, pension options, and supplemental executive retirement plans (SERPs). We help you understand how these benefits fit into your overall financial picture and advise on the best ways to utilize them.
To protect your wealth and help ensure long-term security, we analyze your current insurance coverage and recommend any necessary adjustments. This includes life, disability, and long-term care insurance, so that you and your family are protected against unforeseen events.
If philanthropy is part of your financial goals, we help you maximize the impact of your charitable giving through strategies like donor-advised funds, charitable remainder trusts, and direct gifting of appreciated stock. These approaches not only support the causes you care about but also offer significant tax benefits.
As your career and personal circumstances evolve, so should your financial plan. We provide continuous support through regular reviews, strategy adjustments, and proactive planning to keep you on track toward your long-term objectives.
- Our expertise
Strategize assets to align with risk, time horizon, and goals
Strategic, tax-efficient investment strategies with forward-thinking insight
Personalized strategies for a comfortable and enjoyable retirement
