Equity Compensation
Guides for tech employees navigating RSUs, stock options, and liquidity events.
Pre-IPO Options: Complete FAQ
ISOs, NSOs, AMT exposure, 83(b) elections, and expiration rules — all the questions tech employees ask before a major liquidity event.
RSU Tax Planning for Tech Employees
How RSUs are taxed at vest, strategies to manage concentration risk, when to hold vs. sell, and how to pair with a donor-advised fund.
83(b) Election Filing Checklist
A step-by-step checklist for filing your 83(b) election on time — including IRS mailing addresses, what to include, and how to document proof of timely filing.
Hold vs. Sell: RSU Decision Framework
A structured framework for deciding how much employer stock to hold after vesting — accounting for concentration risk, tax efficiency, and personal financial goals.
Mega Backdoor Roth: How It Works
Mechanics, eligibility, and step-by-step walkthrough of the mega backdoor Roth strategy — one of the most underused tax advantages available to high-income tech employees.
Tax Planning
Strategies to reduce your tax bill at every income level — from W-2 earners to business owners.
Tax Reduction Strategies for High-Income W-2 Earners
A prioritized roadmap — from maxing 401(k) and HSA to backdoor Roth, DAFs, and deferred compensation — for professionals earning $300K+.
California Tax Planning: What's Different
California has no preferential long-term capital gains rate, aggressive sourcing rules on deferred comp, and its own AMT. Here's what that means for your planning.
Donor-Advised Funds: The Smart Way to Give
How to donate appreciated stock, bunch charitable deductions, and maximize your tax benefit — whether you give $5,000 or $500,000 a year.
The Backdoor Roth IRA: Still Worth It at High Incomes?
The pro-rata rule, the right sequencing, and how to execute a backdoor Roth without triggering an unexpected tax bill.
Retirement Planning
Practical frameworks for building wealth that lasts — and knowing when you're ready to stop working.
Social Security Optimization Guide
When to claim, spousal strategies, breakeven analysis, and how it interacts with your portfolio withdrawal rate. The decisions you make here can be worth $100,000+.
Roth Conversion Strategy: The Right Way
How to identify the ideal conversion window, how much to convert each year, and how to weigh conversion costs against long-term tax savings.
Retirement Planning for Physicians
Late start, high income, and limited tax-sheltered options — a planning framework designed for the unique challenges of physicians and specialist doctors.
What to Do With a Large RSU Vest: A Decision Framework
A practical framework for deciding how much to sell, when to diversify, and how to sequence the tax impact when a large vest hits all at once.
From Keep Calm and Invest
Recent thinking on markets, wealth, and what matters in financial planning — published on Nirav's independent blog.
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Your situation is more specific than any guide
Guides give you frameworks. A conversation gives you answers. If you have equity compensation, a complex tax situation, or are approaching a major financial decision, let's talk through the details.
