We work with a select number of clients whose financial situations we can genuinely move the needle for. Here's who that typically is.
Senior women in technology — VPs, Directors, and Managers in sales, marketing, and business operations — who earn significant base salaries, variable compensation, and equity. Your financial picture is complex. Your plan should match.
RSUs vesting and taxes spiking. You have $200K vesting this year and your advisor's only suggestion is "make sure to set aside money for taxes." We do better than that.
80% of net worth in one stock. You know you're over-concentrated but selling feels complicated. We build the systematic plan to diversify without a tax catastrophe.
Changing jobs and unsure what to do with unvested equity. The numbers matter enormously. We model every scenario before you decide.
Reaching financial independence earlier than you thought. You want a real number and a real plan — not a generic retirement calculator.
Individual contributors and managers who have accumulated significant equity — and whose compensation structure has become more complex as their career has progressed. If you have options, RSUs, ESPP, and a 401(k) but no integrated strategy, that's exactly the gap we fill.
Pre-IPO options expiring. You have ISOs with a 90-day exercise window and you don't know if the AMT exposure is worth it. This is a high-stakes decision requiring real modeling.
Liquidity event windfall. A company sale or IPO created a large taxable event. You need a plan for what to do with the proceeds — fast.
Negotiating your next comp package. Understanding the real value of equity in an offer — especially at private companies — requires expertise your recruiter won't provide.
Multiple jobs in a year with overlapping equity grants. Vesting schedules from two or three employers, multiple 401(k)s, and overlapping tax events — we untangle it into a single coherent plan.
You've built something valuable. The question now is how to protect it, grow it, and eventually transition out of it — on your terms. We help you untangle business and personal wealth and plan for what comes next.
Planning a business sale in 3–5 years. Entity structure, earnout terms, installment sales — each decision affects how much you keep. This planning needs to start well before the deal.
All your wealth is tied up in the business. We build a systematic plan to diversify without starving the business of capital or triggering unnecessary tax events.
Maximizing retirement savings as an owner. Solo 401(k) and defined benefit plans can shelter far more income than most owners realize. We model the optimal structure for your situation.
Separating personal and business finances. We untangle it, build proper structures, and create a personal plan that stands independent of the business.
Owner compensation structure. Salary vs. distributions, bonus timing, deferred comp — the right structure can save significantly in taxes each year.
You've built a portfolio of properties — or you're building one. The tax complexity, leverage decisions, and integration with your broader financial plan require an advisor who understands real estate from the inside, not just as an asset class on a spreadsheet.
Selling a property and facing a large capital gains bill. 1031 exchanges, DSTs, Qualified Opportunity Zones, and installment sales can defer or reduce the tax hit. We model which structure fits before you close.
Real estate income but no coordinated tax strategy. Depreciation, cost segregation, passive loss rules, and REPS status all interact in complex ways. Most CPAs handle the filing — we handle the strategy before the filing.
Deciding whether to sell, refi, or hold. The answer depends on your full financial picture — income, other assets, tax situation, and timeline. We run the numbers across all three scenarios so the decision is clear.
Too much wealth concentrated in real estate. Illiquid, leveraged, and undiversified. We build the plan to shift toward a more balanced portfolio without triggering an avoidable tax event.
Integrating real estate into a retirement income plan. When do you stop buying? How does rental income interact with Social Security, RMDs, and your withdrawal rate? We plan it as one unified picture.
Covers RSUs, equity comp, retirement gaps, and the wealth-building moves most high earners overlook. Written by Nirav Desai — no jargon, no pitch.
Beyond our primary focus, we serve clients whose situations align closely with our expertise.
High-income professionals with complex compensation, student debt, and partnership obligations. We help attorneys and physicians accelerate savings, navigate practice decisions, and build lasting wealth.
You're 5–10 years from retirement and the decisions you make now matter more than ever — Social Security timing, Roth conversions, sequence-of-returns risk, and building the income plan to make work truly optional.
Divorce, inheritance, sudden wealth, or the loss of a spouse — life transitions require clear-headed, conflict-free financial guidance at exactly the moment when it's hardest to find.
We only take on clients we can genuinely serve well. Here's a clear-eyed look at where we add the most value — and where we might not be the right match.
You have meaningful equity compensation (RSUs, options, ESPP) and no integrated strategy
You earn $150K+ and feel your tax bill is higher than it needs to be
You own a business and most of your net worth is tied up in it — with no clear exit or diversification plan
You own investment properties and have no coordinated tax or diversification strategy across your real estate and financial assets
You want to understand your finances deeply, not just delegate and ignore
You value direct access to your advisor and clear, jargon-free communication
You've had a bad experience with a commissioned broker and want a clean break
You're approaching a major transition: business sale, IPO, job change, retirement, or practice buy-in
You want a purely passive relationship with no engagement or learning
You're primarily looking for speculative investments or "hot picks"
Your assets are below $100K and you need simple, low-touch guidance
You want someone who will simply agree with whatever you've already decided