For many corporate executives, time is your most precious commodity. You’re trying to ensure the success of your business and team while enjoying your family life and supporting your local community. This can make it difficult to find adequate time to manage your wealth and complex financial situation.
C-suite and senior-level executives have unique wealth management challenges because of corporate compensation structures, especially the accumulation of financial assets invested in various forms of company stock. We help our executive clients by advising on compensation, identifying ways to help protect personal and professional assets due to an oversized position, and taxation issues triggered by equity-based and deferred compensation.
We can help you maximize your compensation benefits by working with you to diversify your stock options and overall portfolio to reduce risk, minimize taxes, and more.
We work with corporate executives to help simplify these complex issues and more. Managing the many layers of personal compensation and benefits packages can often be a time-consuming and burdensome task. Our role is to alleviate that burden by performing analysis to help quantify your benefits as a part of your overall financial planning goals.
- Assess and provide recommendations on your corporate benefits including 401(k) plans, deferred compensation plans, nonqualified savings plans, stock option plans, restricted stock plans, performance award plans, stock appreciation rights, employee stock purchase plans, life, and disability insurance plans.
- Devise a deferral strategy and provide investment options for employer-provided retirement plans.
- Quantify the current and expected future value of stock option awards. Design an exercise strategy to help to maximize value, manage risk, and plan for financial independence.
- Evaluate your employer’s stock concentration and exercise strategy in relation to 10b5 1 plans, blackout trading windows, and minimum holding requirements. We’ll help you manage your stock concentrations to tax efficiently and reduce your risk.
- Proactive tax planning: create a schedule of taxable items wages, stock options, restricted stock, etc.) to strategize annual financial planning decisions specific to your situation.
- Create proactive recommendations for financial planning strategies using your corporate benefits as the funding vehicle.
- Analyze current investments: provide information on your portfolio’s current risk and return attributes and cost structure. We’ll provide recommendations to help increase the efficiency of the risk and return relationship and reduce cost.
- Construct a long-term cash flow and retirement plan. The model will create an identity for your current and future financial situation and serve as a guide to help you make good planning decisions.