Equity Compensation Planning for Mid-Career Tech Professionals
RSUs, ESPPs, and stock options can build significant wealth. They can also create concentrated risk and tax complexity if not coordinated properly.
Equity compensation is integrated into long-term financial planning and investment management so each decision supports your broader strategy.
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Why Equity Compensation Changes Everything
Equity compensation affects more than your portfolio. It influences tax exposure, retirement timing, diversification decisions, and overall risk.
- RSU vesting increases taxable income
- ESPP decisions affect cash flow and concentration
- Stock options create timing and AMT considerations
- Company stock exposure changes your true risk profile
Without coordination, these decisions are made in isolation.
Common Problems We See
- Holding too much company stock without realizing total exposure
- Selling too slowly due to tax fear
- Selling too aggressively without tax coordination
- 401(k) allocations that unintentionally increase concentration
- No clear diversification framework
- Vesting income pushing taxes higher than expected
None of these are intelligence problems. They are coordination problems.
How We Approach RSUs and ESPP
Equity compensation is integrated into your broader financial plan. Decisions are not made in isolation from tax strategy, retirement planning, or portfolio construction.
- Review vesting schedules and projected income
- Analyze total company stock exposure across accounts
- Coordinate diversification with tax planning
- Align sale strategy with long-term asset allocation
- Monitor concentration risk over time
Investment Management Built Around Concentrated Stock
Your portfolio does not start at zero. It starts with employer equity.
Investment management is structured around that reality so diversification, tax awareness, and long-term growth work together.
Learn more about our Investment Management approach
Planning Beyond the Vesting Schedule
Equity compensation decisions influence:
- Time to financial independence
- College funding
- Home purchase decisions
- Risk tolerance
- Retirement timing
Planning ensures that equity events support long-term independence rather than create unintended risk.
Who This Is For
- Mid-career tech professionals with RSUs or ESPP
- Professionals with concentrated stock exposure
- Those with rising income and tax complexity
- Individuals who prefer to delegate coordination
If you prefer to manage equity decisions independently or are looking for one-time advice, this may not be the right fit.
The next step
If you have equity compensation and want coordinated planning and investment management, the next step is a brief introductory conversation.