Protect what you have accumulated.
A portion of your compensation comes in the form of incentive stock options (ISOs), nonqualified stock options (NQSOs), restricted stock units (RSUs), common stock, or some combination. You continue to believe in the future of the company and the stock has gone up in value. You have a concentrated position which has served you well to this point. However, both your income and your nest egg are tied to not only one industry, but one company. You know you need to diversify into different asset classes but where and how do you go about tax effectively doing so? It can be a big mistake to let the potential tax bill keep you from protecting what you have accumulated over time.
We routinely meet with clients dealing with these decisions and can help you structure a plan and design a tax and investment strategy that is customized to your goals and circumstances. We take you through a proven process of evaluating the pros and cons of various strategies, highlighting how the different choices can impact you, your family, and your financial security.
Stock options are increasingly being offered, especially by the technology sector, as an incentive compensation benefit to attract and retain quality talent.
Accordingly, it is more common than ever for us to receive calls from the employees of such organizations wanting assistance exercising the stock options and re-allocating the proceeds in a smart and thoughtful way.
Our stock option exercise specialty track is all about helping you make the most of the opportunity at hand. It is specifically designed for those with seven-figure ($1 to $9.9 million) and eight-figure ($10 to $99 million) in stock option grants (vested or not yet vested).
We take you through a thoughtful process evaluating the pros and cons of various exercise strategies, helping you think through how the different choices can impact you, your family, your financial security and independence and your career path.
In most cases, you will want and need a combination of immediate and ongoing wealth management, retirement planning and portfolio management services. In fact, when you see how well organized, prepared and structured we are to handle your immediate needs/questions/concerns and ongoing needs/questions/concerns, you may take a big sigh of relief. Yes, we are fiduciary (we legally have to do what is in your best interest) advocates for your success and we have invested great sums of time and money to position ourselves to serve you.
Ways we Can Help You
Call us (303-721-7000) when you are ready to begin the conversation. All conversations are held strictly confidential.
Here’s a summary of our top-ten proprietary tools to help you:
Why? We know of no-other financial analysis and plan that better organizes and provides as much clarity (on strengths, weaknesses and vulnerabilities) and direction (on what to do next) to clients. This plan is a staple that supports all of the portfolio management, wealth management and retirement planning services we provide.
Why? We know of no-other tool that provides as intuitive and prioritized a sense of what to be confident about and what to act on next. It’s another staple that supports all of our portfolio management, wealth management and retirement planning services.
We know of no-other review meeting agenda and supporting exponential teamwork and technology that is as effective at keeping clients optimally informed (with important “perspective advantages”), confident and on track nor as streamlined in coordinating and completing prioritized follow-up actions.
Why? We know of no-better financial stress-testing and scenario testing tool and proprietary process, to help clients zero into adequate accumulation, spending, balance sheet, lifestyle protection, portfolio management, retirement and estate wealth transfer decisions.
Utilized early on in our new client start-up process to accelerate progress and overcome the root cause of opportunities for improvement, we know of no other methodology as effective at pinpointing root causes of stagnation and helping clients break through ceilings of complexity.
Why? We know of no-other deep-dive interview process, tool and representation of a client’s prioritized values, goals, relationships, circumstances and interests, that can more clearly, intuitively and concisely put our clients and all of their trusted advisors (first and foremost us and our clients) on the same page.
A staple for decades, this proprietary visual tool and process, helps clients review (and learn from) their past, get clear about their present, and vividly articulate their ideal financial future. We know of no other financial planning tool that aids portfolio management, wealth management and retirement planning discussions and reviews in such an elegant, universally understood and articulated way. Overlaid with other more sophisticated analysis and tools, and interjected with new developments, such as recent advancements in longevity, this fundamental tool helps keep clients and trusted advisors from drifting away from top priorities and the big picture.
Even though clients hire us to handle most of the details, it never hurts for interested clients to maintain an informed understanding of key investment and economic conditions (Dangers, Opportunities, Threats & Strengths). Accordingly, we continually filter through investment and economic data and analysis obtained from our research partners and/or created by our investment team and compile a dozen or so “perspective advantages” we believe can help our clients better understand the “lay of the land.” We believe efforts to avoid being emotionally hijacked by fear- or greed-based hype or intellectually hijacked by obsessed narrow-thinking (by definition a condition hampered by broader and deeper blind spots) is an important aspect of successful portfolio management. Our specially prepared Quarterly Investment & Conditions Deck is our proactive solution to this common problem.
Modern-day financial management involves having instant access to accurate information on every aspect of your wealth and instant access to a support team equipped to help you. Enter J-Vault, a secure (encrypted and dual verification) desktop and mobile application that gives you access to up-to-date information on every aspect of your finances.
Check out these features:
- Instant secure access to your balance sheet, with the balances of banking, investment and even credit card accounts and mortgages automatically updated every 15-minutes.
- Instant secure access to all of your financial and personal records, such as insurance policy records, estate plan documents, passport copies, account numbers, and a trusted advisor team directory.
- User defined automated alerts (such as “Reminder, your quarterly tax payment is due in 30 days” ) and reports (such as “Here’s your updated Financial Snapshot”).
- User defined full or limited access to other trusted people, such as your CPA and estate attorney, so they have access to the information they need for their roles.
Coupled with telephone, email, chat, and soon, texting access to our service team (during business hours), clients have unprecedented access to the information and support they need TO GET THINGS DONE!
The standard statements sent out to clients by most financial institutions, in our opinion, have lacked elegance in function and design for decades. Consequently, we think many investors have been handicapped by the lack of useful portfolio allocation and performance information organized in a simple to read and fully aggregated and consolidated report. Have you ever looked at your statements (or online portals) and found it difficult to understand your allocation, performance and other useful attributes about your overall consolidated position or one single account or registration within your household? Our Portfolio Snapshot™ Reports (and online portals) have been custom designed by us with the aim to provide our clients with a clarity advantage. First and foremost, our job is to provide you with a well-allocated and managed portfolio. In our mind, the job is not done until we clearly provide you with quality snapshots that keep you confident and well-informed about the thoughtful construction and management of your portfolio.