Employer Benefits & Equity Compensation

Insurance and risk planning should be intentional, not product-driven. We take an independent, advice-first approach to evaluating what protection you actually need, so you can safeguard your wealth without overpaying or overinsuring.

What Employer Benefits & Equity Compensation Looks Like

Executives and key employees often hold a large share of their net worth in their employer stock options: RSUs, ESPPs, deferred compensation, and a benefits menu most people accept on default settings. Left uncoordinated, that creates dangerous concentration in one company's stock, surprise tax bills, and missed elections-- usually postponed until they're expensive.

We bring rigorous analysis to the most complex part of your wealth. We model the tax and timing of every equity event, build a disciplined plan to diversify concentrated stock, and make sure every benefit you've earned is actually captured — all integrated with your investments, taxes, and long-term goals.

WHAT THIS INCLUDES:

→ Stock-option strategy (ISO/NQSO), including AMT planning and exercise timing

→ RSU and ESPP planning — vesting, withholding, and sell-vs-hold decisions

→ Concentrated-stock diversification, including 10b5-1 plans

→ Deferred-compensation election and distribution planning

→ Optimization of 401(k), mega-backdoor Roth, HSA, and other elections

→ Coordination of every equity event with your overall tax and investment strategy