Services

Everything your financial life requires

Comprehensive, fee-only wealth management — from your next RSU vesting event to your eventual financial independence.

01

Equity & RSU Planning

RSU Vesting Strategy ESPP Optimization Stock Option Exercise Concentrated Position
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
Discuss Your Equity Comp

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.

02

Tax Strategy

Capital Gains Planning Tax-Loss Harvesting Roth Conversion SALT Optimization Exchange Funds QOZ DST
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
Talk Tax Strategy

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.

03

Investment Management

Portfolio Construction Factor Tilts Tax-Location Rebalancing
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
See Our Approach →
04

Retirement & FI Planning

Retirement Projections Social Security FI Number Decumulation
Retirement & Financial Independence

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
Plan Your Future

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.

05

Alternative Investments

Private Credit Real Estate Data Centers QOF & DST
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)
Explore Alternatives
Transparent pricing

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

$350
per hour

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

$1,600–$7,500
one-time fee

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

Annual fee
a % of assets managed, billed monthly
Up to $500K
1.25%
$500K – $1M
1.00%
$1M – $5M
0.75%
$5M or more
0.50%

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
Schedule a Free Discovery Call