Equity Compensation & Employee Stock Options

Maximizing the Value of Your Stock Options

We evaluate your past and expected equity activity, helping to formulate a strategy that primarily optimizes for taxes. Whether you’re a founder, executive, or employee, we have the deep expertise to help you take advantage of your company-issued stock options.

Why Hire a Financial Planner that focused on Equity Compensation?


Formulate a Strategy​

Even smart people often do dumb things with stock options. A disciplined stock option exercise strategy can prevent some big mistakes and significantly increase the value of your option grant.


Customize our services to your needs, thinking long-term to build an individualized service that is right for you.


We provide you with the necessary resources to facilitate your decisions, explaining the options and risks associated with each choice.


We work collaboratively with you to achieve your goals and offer complete transparency around our own costs and compensation.

Getting Started is Easy

Book 30 Min Conversation

Complete a Basic Questionnaire

Lets Talk.

Our initial consultation process is specifically designed to determine if we can help you.

Equity Compensation Planning Areas

Incentive stock options (ISOs) qualify for special tax treatment under the IRS Code and are not subject to Social Security, Medicare, or withholding taxes. However, to qualify they must meet criteria specified under the tax code. We help our clients create scenarios where they can minimize the tax impact of selling ISO stock.

A nonqualified stock option (NQSO) is a type of stock option that does not qualify for special favorable tax treatment. We help clients develop a strategy that can help minimize the tax impact of exercising NQSOs.

We help our clients create a unified vesting schedule (which includes Restricted Stock & RSUs). This allows our clients to make informed decisions.

An employee stock purchase plan (ESPP) enables you to purchase company stock often at a discount from the market price. We help our clients understand your company's ESPP enrollment procedures, how to make changes, and whether the plan is a tax-qualified Section 423 ESPP or a nonqualified ESPP.

We can help you develop a plan to exercise, hold, and sell stock that considers potential income tax, sale proceeds, and after-tax savings. Your plan will account for your goals and objectives, overall investment profile, and net worth to strike a suitable balance between selling or holding shares

Financial Planning Process

Introductory Call

Learn about your personal situation, explain our services, and disclose fully how we will be paid

Introductory Call

Sign the Agreement

Agree on the scope of work, timeline, and fees. We both sign the Financial Planning Agreement (FPA)

Sign the Agreement

Document & Data Gathering

Gather all the necessary documents, critical information, and calendarize future meetings

Document & Data Gathering

Meeting #1

In this meeting, we go over general strategy and the 1st scenario (base case).

Meeting #1

Final Meeting

Guided by your input, we meet to go over the other two (2) scenarios and decide on a plan of action (how much to exercise, what stock to sell, and when to sell).

Final Meeting



Optimize Your Strategy

$ 925
Starts at
  • Calculate Tax Impact of Stock Comp.
  • Model & Test Various Scenarios
  • Professional Help From a CPA/CFP®
  • Multi-Year Tax Planning
  • Highly Technical Tax Optimization
  • Build the Framework for Your Strategy
  • Evaluate Options & Select a Path Forward

Typical Project Outputs

Frequently Asked Questions During the Project

Getting Started is Easy

General FAQ

With the right information we can answer this question. For example, I will need to know your retirement goals and the assets you have to support those goals.

Yes, I signed the fiduciary oath (click to see it):

  • Put the client’s best interests first
  • Act with prudence; that is, with skill, care diligence and good judgment of a professional
  • Do not mislead clients; provide conspicuous, full and fair disclosure of all important facts
  • Avoid conflicts of interest; and fully disclose and fairly manage, in the client’s favor, unavoidable conflicts.

How to tell if your financial advisor looks out for you? Ask him/her to sign this document!

I can’t make any promises but if you contact me a couple of months before the December 31st, we can probably find and implement a plan to reduce your tax liability.

This depends on a couple of variables: do you have dependents? do you have a mortgage? are you the sole breadwinner? etc… My job is to evaluate your financial state and figure out what gaps you have to determine your insurance needs. Since I don’t sell you insurance, my recommendations will be less biased than an insurance agent so keep that in mind.

You probably have a couple of options. The real question is what option makes most sense in light of your entire financial picture? How much can you pay without risking your retirement? We can work together to get those answers.

Like everything complex, it depends… First we need to know your goals and translate them into financial numbers. Once that is determined, we will review your risk tolerance and a few other things. After that, we create a portfolio that strives to maximize returns while minimizing potential losses.

Every fourth quarter, your company’s benefits department notifies you that it’s time to make your annual insurance benefit elections. There are a variety of plans out there with varying employee contributions required.

These increasingly complex plans can leave you unsure of how to navigate through your options. How do you know you are making the best decisions for you and your family?

What does disability insurance cover? Do I have enough? This really depends on your financial situation. We can help you answer this question

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