Services for First-Generation High Earners

01 · Retirement

Retirement Planning

401(k) and backdoor Roth IRA contribution strategy
Retirement income projections and Social Security timing
Stress-testing your plan against downturns and early retirement scenarios
Coordination with equity compensation and business income
A clear "your number" target, updated as life changes

02 · Investing

Investment Planning

Personalized asset allocation across taxable and retirement accounts
Tax-efficient investment placement (asset location)
Ongoing rebalancing as markets and goals shift
Concentration risk management around company stock
Transparent, low-cost fund selection, no proprietary products

03 · Tax

Tax Planning

Roth conversion analysis and timing
Tax-loss and tax-gain harvesting
Charitable giving strategy, including bunching and donor-advised funds
Withholding and estimated tax payment planning
Direct coordination with your CPA or tax preparer

04 · Insurance

Insurance Planning

Life insurance needs analysis (term vs. permanent)
Disability insurance review, especially where employer coverage falls short
Umbrella and liability coverage as your net worth grows
Policy audits to cut overlapping or unnecessary coverage
Coordination with your estate and business planning

05 · Estate

Estate Planning

Will and trust coordination with your attorney
Beneficiary designation review across every account
Guardianship and healthcare directive planning
Legacy and family-support planning, structured deliberately
Business succession considerations, if applicable

06 · Equity Comp

Stock Compensation

RSU vesting and tax withholding strategy
ISO exercise timing and AMT exposure planning
NQSO exercise and diversification strategy
Concentration risk reduction, coordinated with your broader portfolio
Exercise and sale timing aligned with your tax and cash-flow plan

Sound Familiar?

Questions We Help Clients Answer

My equity comp keeps vesting and I have no real plan for it. What should I actually be doing?

I'm maxing out my 401(k) and it still doesn't feel like enough. Am I actually on track?

We give regularly, but it's never been part of an actual strategy. How do we make it one?

I make good money but I couldn't tell you where it all goes. How do I build a plan without a spreadsheet obsession?

My company stock is a huge share of my net worth. How much risk am I actually carrying?

I'm the first in my family to make this kind of money, with no plan and pressure to help others. How do I plan for my future without losing sight of that?

Comprehensive Financial Planning: Every Area, Working Together.