A strategic framework for highly compensated professionals — helping you determine when to sell vested equity, mitigate taxes, and build a long-term wealth plan around your compensation.
This tool generates a personalized blueprint based on your inputs. No data is stored or transmitted.
A clear view of how your equity compensation fits within your total financial picture — and how much of your net worth is concentrated in a single position.
This is where most advisors stop short. Understanding your true tax exposure — including withholding gaps, NIIT, and capital gains — is the foundation of an effective equity strategy.
Your greatest financial risk may not be in your investment portfolio — it's the correlation between your income, your bonus, and your net worth all tied to the same company.
The Correlation Risk: Your employment income, annual bonus, and equity are all tied to the performance of one company. If the company faces headwinds, all three are affected simultaneously. A structured diversification plan is your protection against this compounded exposure.
A structured, multi-year plan to systematically reduce your concentration risk while managing tax impact — turning equity compensation into diversified, long-term wealth.
Timing is everything when it comes to capital gains. A coordinated strategy can significantly reduce your effective tax rate on equity sales.
Most highly compensated professionals are heavily weighted in tax-deferred accounts — and under-allocated to tax-free strategies. Rebalancing your tax buckets now creates flexibility later.
Strategic Levers for Your Situation: Given your income level, direct Roth contributions may be above the income limit — however, Backdoor and Mega Backdoor Roth strategies remain available. Roth conversion windows in lower-income years (post-exit, sabbatical, or partial retirement) can dramatically reduce future tax obligations.
Strategy without execution is just theory. This roadmap breaks your blueprint into actionable phases — so every decision has a timeline, not just a direction.
This blueprint is a starting point. A full Equity Compensation Blueprint engagement includes custom modeling, tax projections, and a coordinated multi-year plan built around your specific grants, tax situation, and long-term goals.
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