Do you work at a Medium-Large Technology Firm and want help with financial decision-making?

You have worked hard to reach your career milestones and deserve confidence around your finances, too. Our team helps you navigate your unique compensation package by creating a long-term plan that aligns with your goals.

Let Us Talk About Your Income

1) Base Salary → 2) New Hire Bonus → Restricted Stock Units (RSUs)

Your income is, well, lumpy. If you are new, you may have a cash bonus for the first two years. After that, you receive most of your compensation two to four times per year in the form of RSUs.
Our team assesses your financial situation to develop a plan that maximizes your compensation, aligning your income sources with what is important to you.

Tackle Every Decision About Your Benefits and Compensation with Confidence

  • Win the tax game. Identify which RSUs to sell vs. hold and how to structure your portfolio
  • Navigate cash bonuses, stock compensation, and vesting schedules
  • 401(k), After-Tax to Roth – aka Mega back-door Roth 401(k), and is it right for you- Ask us about our guide to maximizing your company 401(k)
  • Align your Restricted Stock Units (RSUs) with your goals – know how much you should sell and how much you can keep – Ask us about our guide on how RSUs work.
  • Examine job offers and quantify how each scenario impacts your financial plan
  • Schedule check-in meetings around all life events with a proactive team

Curious if you are missing something about your benefits or compensation package?

Some employee rewards may not be straightforward. Understanding every fine detail paves the way for a solid financial plan. We will help remove all the guesswork.


When you receive a vest, you need to hold that vest for a year to pay long-term capital gains.

A vest is recognized as income once received. Your company may automatically sell a default of 22% of that vest to pay Federal income tax while the remaining shares are deposited in your RSU account. Selling the same day, you receive shares (or within a few days) will not result in additional tax, assuming your sell price is the same as your vest price and that 22% is all you owe in Federal income tax.

If you leave your company before your 3rd work anniversary, all of your 401(k) match may roll back to the company.


For example, a company may offer a 2% 401(k) match (50% of 4%), but there is a catch (there always is). After three years of employment, it becomes fully vested. AKA: you take it with you if you leave the company (but only after sticking around for three years).

If you take a work leave of absence, your vesting schedule will remain the same.
Many companies will delay your vest by the time you spend on leave. Ex: If you are absent for two months and your initial vesting schedule falls in May, it will bump to July.
When you receive a vest, the stock price on that day is your cost basis.

If your stock vested at $300 per share, your cost basis is now $300 per share. This is why a vest is classified as income and also why if you sell at $300 per share, you will not incur any short-term (or long-term) capital gains.

Take the first step to understanding your financial situation and building the life you want.

Ditch your financial jitters and experience the confidence you deserve. Leave the planning to us.

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