Everything your financial life requires
Comprehensive, fee-only wealth management — from your next RSU vesting event to your eventual financial independence.
Equity & RSU Planning
Turn complex equity compensation into a coherent strategy
If a significant portion of your compensation arrives in the form of RSUs, stock options, or ESPP shares, you face decisions that carry serious tax and concentration risk consequences. Most people wing it. We plan it.
- RSU vesting event timing and tax impact analysis
- Systematic diversification away from concentrated employer stock
- ISO vs. NSO option exercise optimization
- ESPP enrollment strategy and holding period planning
- Qualified Opportunity Zone integration for deferred gains
- 83(b) election analysis for early exercise scenarios
Also relevant for business owners: We plan around the equity you hold in your own company — valuation scenarios, liquidity events, and how your business interest fits your overall wealth picture.
Work at Amazon, Google, Meta, Apple, or Broadcom? See how 401(k) matching, Mega Backdoor Roth, ESPP, and RSU vesting compare across all five in our employer-specific equity guide.
Tax Strategy
Keep more of what you earn — every year
High-income earners in tech and sales face some of the most complex tax situations in the country. Between RSU income, capital gains, California state taxes, and AMT exposure, the stakes are significant. We approach tax planning proactively, not reactively.
- Multi-year tax projection modeling
- Capital gains mitigation strategies (QOZs, 721s, 351s)
- Capital gains timing and tax loss harvesting strategies
- Roth conversion ladder planning
- Backdoor Roth IRA for high earners
- Charitable giving strategies (DAF, QCD, appreciated stock)
- Real Estate 1031 Exchanges(DSTs)
- Coordination with your CPA for integrated advice
Also relevant for business owners: Entity-level tax strategy, S-Corp vs. LLC compensation structuring, and QBI deduction optimization are all part of the picture.
Investment Management
Research-backed portfolios. Low cost. Continuously managed.
We build factor-tilted portfolios using low-cost ETFs grounded in decades of academic research. No stock-picking. No market timing. No commissions. Just disciplined, evidence-based investing across all your accounts — 401(k), IRA, taxable brokerage, and more.
- Custom asset allocation based on your financial plan
- Factor-tilted portfolios (value, quality, size, momentum)
- Tax-efficient asset location across account types
- Continuous monitoring and systematic rebalancing
- Alternative investments for qualified clients
- Ongoing portfolio reporting and review meetings
Retirement & FI Planning
Know your number. Build the plan to reach it.
For high-earning professionals, financial independence is achievable — but only with a plan that accounts for the complexity of your income, your tax situation, and your life goals. We model your future in detail and build the path to get there.
- Comprehensive retirement projections across multiple scenarios
- FI number calculation — what it actually costs to stop working
- 401(k), SEP-IRA, and Solo 401(k) maximization
- Social Security claiming strategy optimization
- Decumulation sequencing and withdrawal order planning
- Estate planning coordination
Also relevant for professionals & business owners: Solo 401(k), SEP-IRA, defined benefit plans, and deferred compensation decisions are central to your retirement strategy — not an afterthought.
Alternative Investments
Uncorrelated returns beyond public markets
For qualified clients, we offer access to a carefully vetted selection of alternative investments that complement your core portfolio and reduce dependence on public market volatility.
- High-yielding private credit funds
- Real estate development partnerships
- Data center and digital infrastructure investments
- Qualified Opportunity Funds for capital gains deferral
- Delaware Statutory Trusts (DSTs) for 1031 exchanges
- Oil & Gas income funds (tax-advantaged)
No hidden fees. Ever.
As a fee-only firm, our only compensation comes directly from you. No commissions, no fund kickbacks, no surprises.
Hourly Advisory
Planning Foundations
- 401(k) & retirement planning
- Home purchase planning
- Tax planning & strategy session (2.5 hr min)
- Insurance needs analysis
- Estate planning review
Equity & Compensation
- RSU vesting event review
- Stock option exercise analysis
- Second opinion on existing portfolio
Real Estate & Business
- 1031 exchange evaluation
- Real estate portfolio review
- Business exit tax planning
Comprehensive Financial Plan
The process
- 3-hour virtual planning session
- Full financial plan document
- Tax optimization review
- Email follow-up & 1–12 month access, depending on service level
Also covered
- RSU & equity comp analysis (if applicable)
- Retirement & FI projections
- Insurance & estate planning review
- Investment portfolio assessment
- Real estate integration (if applicable)
- Business owner planning (if applicable)
Ideal for
- Major life transitions
- Pre-liquidity event planning
- Second opinion on your full financial picture
Ongoing Wealth Management
Everything included
- Comprehensive financial plan
- Continuous portfolio management
- Unlimited meetings & calls
- Tax strategy & coordination
- Estate & insurance review
- Annual plan updates
- Direct access to Nirav
Best for
- Clients with $500K+ in investable assets
- Ongoing equity comp & tax complexity
- Real estate portfolio integration
- High earners who want their financial life handled — not just planned