Working in corporate can be filled with numerous ups and downs. Your company conditions you to reach their goals, but what about your own? It is important to define your financial goals and create an organized transition or exit strategy before an anticipated retirement date or other unexpected events, like a layoff or illness. A financial plan can help you minimize preventable mistakes to reap the maximum value from your company.

Here are some of the most common questions we hear from the corporate employees and executives we work with.

• Am I making the most of my stock options or RSUs?
  Chances are, you're not. Equity compensation is one of the largest untapped sources of wealth in the US. A professional can help you understand your equity compensation, including when to exercise it, how to reduce taxes, and how it fits into your broader financial plan. These are complex tools, and we want them to work smarter for you.
• How should I diversify my portfolio if I have too much company stock?
  We recommend gradually reducing concentrated stock positions through strategies like schedules sales, a Rule 10b5-a plan, or charitable giving. We'll help you reinvest the proceeds into a diversified portfolio that is aligned with your long-term goals and risk tolerance.
• Should I contribute to a traditional 401(k) or a Roth 401(k)?
  It depends on your current income, expected future tax bracket, and retirement goals. A traditional 401(k) reduces taxable income now, while a Roth offers tax-free withdrawals later. Many high earners benefit from contributing to both for long-term tax diversification. A professional can help you determine the right mix.
• I’ve changed companies a few times. What should I do with my old 401(k)s and pensions?
  Our team can help you consolidate, roll over, or integrate those previous accounts into a cohesive investment plan. No more scattered statements or forgotten balances.
• What's the smartest way to use my bonus or deferred compensation?
  Start by looking at your short and long-term priorities. We can help you allocate those funds across tax-efficient investments, debt reduction, retirement contributions, or cash reserves, ensuring they align with your broader financial plan and help minimize your tax liability.
• How do I protect my income and plan for the unexpected?
  High earners often have more at risk. We’ll review your insurance, estate plan, and risk management strategies to ensure you and your family are protected, no matter what comes next.