Wealth Management for Corporate Executives

With the busy demands of your 60+ hour work week and family, you just don’t have time to understand the complexity of your equity-based compensation.

Are you overexposed in company stock?

And if you sell, what would your colleagues think?

How should you optimize for minimal taxation?

Don’t try to do it all yourself. Delegate to your own financial team, like a CFO for your personal finances.

Business people meeting and using digital tablet

Business people reaching an agreement in an office

Your equity compensation could result in life-altering wealth.

Whether your company offers restricted stock units (RSUs), incentive stock options (ISOs,) or non-qualified stock options (NSOs), you have a huge opportunity to build for the future.

But here’s something to keep in mind:

Many financial advisors are compensated solely based on asset management or selling you a product.

They want you to invest with them or buy their product, because that's how they get paid.

But we charge a flat-fee for planning. So we can be objective in our recommendations.

We’ll show you how your equity comp fits into your overall net worth and financial plan for the future. Holistically. WITHOUT pushing you one way or the other.

Diversify your net worth and potentially minimize risk while balancing company loyalty and compliance.

If you have worked at your company for any length of time, you may have accumulated valuable company stocks. And at certain points your equity may be trading near an all time high.

But selling may come across with some negative optics. It may be mistaken for not having faith in the future of the business.

We often help executives with this exact problem, proactively setting up a 10b5-1 trust so you can minimize your risk of overexposure and keep the optics in check.

We’ll also work with you to help minimize risks and protect you from an SEC compliance perspective, working to make sure you have the necessary safeguards and documentation in place when making moves with your equity.

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Fully take advantage of your compensation by optimizing your taxation.

Equity comp is all about proper tax planning. Each type of award has its own nuances and must be understood so you can avoid surprises at tax time.

We’ll collaborate with you and your tax professional on the timing of exercising options or selling vested shares, considering your Alternative Minimum Tax (AMT) liability in the process.

If you are charitably inclined, we’ll also explore strategic, tax-efficient ways to leverage your equity.

Equity Comp Cheat Sheet for Corporate Executives

As a corporate executive, managing your equity compensation and figuring out tax implications can feel overwhelming. That’s why we’ve created this cheat sheet.

Use it as a starting point to get a quick snapshot of the pros and cons of your equity comp and what you may need to consider in building a plan for your wealth.

No cost or obligation to work with Instrumental Wealth by viewing the cheat sheet.

Equity Compensation Cheat Sheet for Corporate Executives

Corporate Executive Pre-Retiree

Designed for successful, senior executives planning for retirement in the next 5-10 years.

This service offering includes:

Goal Setting
Tax Efficient Asset Allocation
Cash Flow Analysis & Distribution Strategies
Legacy Planning
Long Term Care Risk Evaluation
Wealth Accumulation Strategies
Social Security Income Recommendations
Health & Medicare Insurance Planning
5-yr Cash Flow Analysis
Asset Allocation Assessment
Executive Compensation and Benefits Review & Analysis
Introduction to Key Professionals
Customized Tax Planning Strategies

1. Fit Meeting

Let’s start with a no-pressure, discovery meeting to listen to your objectives and see if our planning-centric approach fits your needs.

We believe we're best suited for those who appreciate collaboration and want to be actively engaged in creating their financial strategies.

If you’re seeking a partner who consults rather than sells, we might just be the right fit for you.

2. Data Gather/Fact Finding

Once we're sure we're the right team for you, we'll take a close look at your money situation. We'll talk about your big goals and go through all your finances - what you own, what you owe, what you earn (including your equity-comp), and what you spend.

We'll work with you to set clear, important goals. Maybe you want a really comfortable retirement, to leave something big for your family, or to make a real difference with charitable giving.

This teamwork helps us create a smart money plan just for you, based on your unique job as an executive and what you want for the future.

3. Analysis

Our team of CERTIFIED FINANCIAL PLANNER™ professionals and Enrolled Agents (EAs) will use their expertise and advanced tools to craft a financial plan uniquely tailored to your circumstances.

Our objective approach ensures your interests are prioritized, including the option to diversify strategically through other investments.

We’ll provide recommendations that encompass a holistic view of your finances and align with both your personal and professional goals.

4. Plan Presentation

In a series of meetings, we’ll present a comprehensive view of your financial status and the options available, serving as a true partner in understanding your wealth.

We’ll discuss the advantages and challenges of various strategies, addressing your concerns and ensuring you are comfortable with the proposed direction.

Ultimately, we’ll recommend a holistic financial plan that serves as a roadmap aligned with your goals, values, and aspirations, to help guide you toward your envisioned financial future.

5. Implementation

Once your financial plan is finalized, we’ll work with you to prioritize and implement recommendations, connecting you with other needed professionals like attorneys or tax experts for a coordinated approach.

Throughout this process, you’ll receive concierge-level support from our team, seeking to ensure every detail is managed smoothly and effectively.

We’ll break down the implementation into manageable steps, keep you updated on progress, and adjust the plan as needed to keep you on track toward your financial goals.

6. Progress Review

We’ll schedule regular meetings to review your progress and adjust strategies as needed, seeking to ensure you remain on track to meet your financial goals.

During these sessions, we’ll assess any life changes affecting your finances, celebrate your successes, and discuss potential optimizations based on market conditions and your evolving needs.

Our commitment includes maintaining open communication and aiming to provide clear insights to help empower your informed decision-making.

Not an offer, recommendation or professional advice: This document does not constitute advice or a recommendation or offer to sell or a solicitation to deal in any security or financial product. It is provided for information purposes only and on the understanding that the recipient has sufficient knowledge and experience to be able to understand and make their own evaluation of the proposals and services described herein, any risks associated therewith and any related legal, tax, accounting or other material considerations. To the extent that the reader has any questions regarding the applicability of any specific issue discussed above to their specific portfolio or situation, prospective investors are encouraged to contact Instrumental Wealth, LLC or consult with the professional advisor of their choosing. Past performance: There is no guarantee that the investment objectives will be achieved. Moreover, the past performance is not a guarantee or indicator of future results. Forward looking statements: Certain information contained herein constitutes “forward-looking statements,” which can be identified by the use of forward-looking terminology such as “may,” “will,” “should,” “expect,” “anticipate,” “project,” “estimate,” “intend,” “continue,” or “believe,” or the negatives thereof or other variations thereon or comparable terminology. Due to various risks and uncertainties, actual events, results or actual performance may differ materially from those reflected or contemplated in such forward-looking statements. Nothing contained herein may be relied upon as a guarantee, promise, assurance or a representation as to the future.