Financial Planning for Executives with Equity Compensation

Stock Options. RSUs. Deferred Compensation.

Equity compensation can accelerate wealth — but without disciplined planning, it can also create avoidable tax exposure and concentration risk.

If a meaningful portion of your net worth is tied to company stock, decisions around exercise timing, vesting, and deferral elections should not be made in isolation. They affect liquidity, tax brackets, retirement planning, and long-term portfolio allocation.

As independent fiduciary advisors, we help corporate leaders integrate equity decisions into a coordinated financial strategy.

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Executive Compensation Is Structurally Complex

Equity plans are layered.

Stock options introduce AMT and capital gains timing considerations.
RSUs create taxable income upon vesting.
Deferred compensation elections can alter retirement income years before distributions begin.
Concentrated positions may dominate both your balance sheet and future risk exposure.

These are interconnected decisions. We evaluate them within the context of your broader financial plan.

Where We Add Specific Value

Incentive & Non-Qualified Stock Options

We model multi-year exercise strategies to manage AMT exposure, capital gains timing, and liquidity impact.

Restricted Stock Units & Performance Shares

We coordinate vesting events with tax bracket management and long-term diversification planning.

Deferred Compensation & 409A Plans

We analyze distribution elections, employer credit risk, and retirement income integration.

Concentrated Stock Risk

We design staged diversification strategies that balance tax efficiency with portfolio discipline.

Rule 10b5-1 & Liquidity Planning

We align trading plans with broader asset allocation, charitable planning, and tax objectives.

Small Missteps Can Have Large Consequences

With equity compensation, the risk is rarely a single mistake. It is a series of uncoordinated decisions.

Exercising too early.
Holding too long.
Deferring income without modeling future brackets.
Allowing concentration risk to quietly compound.

Disciplined oversight prevents avoidable erosion of long-term wealth.

Designed for

Executives who:

• Have $1M+ in investable assets or significant unvested equity
• Receive recurring stock grants or long-term incentive awards
• Face multi-state tax exposure
• Are preparing for liquidity events, retirement, or corporate transition
• Prefer independent advice separate from employer-provided guidance

If equity compensation is central to your wealth, your strategy should reflect that complexity.

Coordinate Your Next Equity Decision

Before your next exercise, vesting event, or deferral election, ensure the strategy is aligned with your long-term objectives.