Empowering your financial journey through life's transitions & milestones.
You recognize the equity in your company represents a significant portion of your net worth.
If any of the following resonate with you, I’d love to help!
You feel as though you are being reactive instead of proactive with your finances
Your income > expenses and taxes are one of your biggest pain-points
You’re facing multiple financial decisions or life transitions and are struggling with what actions to take first
You want a cohesive plan to ensure the actions you’re taking today will produce the financial outcomes you desire for your family’s future
Does this sound like you?
Bring clarity and confidence to your financial situation so that you feel refreshed when you think about money.
❯ Facilitate discussion to identify values & financial life priorities
❯ Proactively identify obstacles & collaborate on how we’ll make progress together
❯ Create a system for aligning your money decisions with your values & priorities
❯ Determine your optimal cash reserves & upcoming liquidity needs
❯ Map out an annual savings strategy & monitor your progress
❯ Create an automated savings plan & identify what to do with commissions / bonuses priorities
❯ Summarize and simplify all of your equity grants / holdings (ISOs, NSOs, RSUs)
❯ Educate you on the risk & reward trade-offs with various equity decisions
❯ Model scenarios to outline the total cash outlay & tax planning opportunities
❯ Discuss a desired amount of company stock to hold long-term & build a sales strategy to reach your targeted exposure
❯ Prepare tax projections & advise on estimated tax payments
❯ Analyze your tax withholding & proactively recommend changes to avoid penalties
❯ Identify strategies to reduce your tax exposure & assist with implementing these strategies
❯ Model projections to show the implications of certain decisions on your long-term financial health
❯ Evaluate the trade-offs of “what if scenarios” and help you balance living a great life now & in the future
❯ Understand the impact of various income & spending levels, as well as how to allocate the proceeds from a liquidity event to achieve both your near & long-term goals
❯ Discuss target funding amounts and where these funds will come from
❯ Recommend tax-advantaged savings options (529 plans, custodial accounts, family gifting)
❯ Automating contributions & recommending an investment strategy
❯ Identify gaps in coverage & provide recommendations to fill these voids
❯ Educate you on the roles & responsibilities included within a proper estate plan
❯ Provide guidance on estate taxes, the benefits & drawbacks of various trusts, and gifting & legacy planning strategies for you to consider
❯ Review open enrollment guides & help you to make benefit elections
❯ Education on the benefits of Health Savings Accounts, recommended contribution amounts, & strategy for how to invest this money
❯ Identify company sponsored benefits (Mega-Backdoor Roth 401k, family planning benefits, insurance coverage offerings, etc.)
❯ Review offer letters & provide guidance on negotiation techniques for new career opportunities
❯ Create an investment strategy for your accounts that aligns with the time horizon for when you anticipate needing to access these funds
❯ Construct a tax-efficient, diversified, and low-cost investment portfolio
❯ Ongoing management of these accounts to include asset location, tax-loss & tax-gain harvesting opportunities, custom strategies to mitigate risks and optimize taxes around concentrated stock positions, etc.
❯ Recommendations and ongoing monitoring for non-managed investment accounts (401k, 529 Plan, HSA, company stock account, etc.)
Where you’ve been is just as important as where you aspire to go in the future.
This is why at the outset of any new relationship I start with “off the balance sheet” conversations.
I aim to simplify the complexities of equity & financial topics so you can enjoy the fruits of your hard work and feel confident with your financial future. I consider it a privilege to partner with families on their financial life journey.
Through our partnership, I aspire to provide clarity and confidence to all things money related so that you may feel refreshed.