Our Services and Pricing

What is financial planning?

Most people look at money as a constraint around what’s possible for their lives. We do financial planning the other way around.

We start with understanding your vision for your ideal life and then work backwards to design your finances.

Sounds too idealistic?

If you’re willing to combine a strategic financial plan with out-of-the-box thinking, that life you’ve been dreaming about is much closer than you think. Through our planning process, we explore the following areas:

  • When can I (early) retire?
  • How much should I be saving?
  • What’s my investment strategy?
  • How do I save for my kids’ future?
  • What is the best plan for my RSUs/ESPPs/stock options?
  • Can I afford a (bigger) house?
  • How do I negotiate for a better salary?
  • How much should I give to charity?

Services and Pricing

We’re here to add value to all areas of your financial life. Think of us as your quarterback and sounding board for all things money.

We utilize a network of legal, insurance, tax, real estate, career and financial professionals when their expertise can be helpful for your needs. If we don’t know the answer, we will help you find it.

SERVICES

Tax Planning

As a high earning professional, you pay more than your fair share in taxes. Our goal is to optimize your tax planning so that you can keep more of your income for saving and spending. By strategizing when and how taxes are paid, we aim to better manage your cash flow and reduce your lifetime tax liability.

We provide:

  • Tax strategies for W2 & self-employed professionals
  • Specific tax planning for equity compensation (RSUs, ESPP, ISOs, NSO)
  • Expertise on unique tax benefits of rental real estate, Mega Backdoor Roth, Roth conversions, Donor Advised Funds (DAF), 529s, and more
  • Coordination with your tax professional so you have an aligned, sound plan

Investment Management

We believe that the best way to achieve your goals is to invest in a portfolio that is globally diversified, simple, tax-efficient and low-cost. We make sure that your investments are customized to your goals, values and tax situation.

We offer our clients direct investment management via Schwab. For your assets that can’t be directly managed (such as 401ks or employer stock), we can link those accounts to our financial planning portal and provide investment guidance.

We provide:

  • Low-cost, diversified ETF portfolios constructed by our team of CFAs
  • Strategic allocation to put you in the position to capture higher expected returns, wherever they occur
  • Tax-efficient strategies to maximize your take-home wealth
  • Advice on all of your accounts, whether we’re managing directly or not, to ensure that all your investments are working towards the same goal

Financial Life Design

Most people look at money as a constraint around what’s possible for their lives. We do financial planning the other way around.

We start with understanding your vision for your ideal life and then work backwards to design your finances.

Financial Life Design covers:

  • Cash flow management
  • (Early) retirement planning and Work optional
  • Career planning and compensation negotiation
  • Homebuying, education and other savings goals
  • Employee benefits review and protection planning
  • Living abroad, sabbaticals, career changes, other “non-conventional” paths
  • …and more

Equity Compensation Planning

As a tech employee, you have many opportunities. But stock options (ISO and NSO), restricted stock units (RSUs) and employee stock purchase plans (ESPPs) can be confusing. We help you make the most of your equity compensation and benefits.

We provide:

  • Equity comp analysis so you understand the value of what you have
  • Tax-aware strategies to exercise, hold or sell stock
  • Cash flow and tax planning so you’re not hit with a surprise tax bill
  • Integration of your equity comp into your overall financial plan

Self-Employment Planning

Being your own boss is exciting, but it also comes with more financial complexity. We help you plan ahead, save for your goals, and manage cash flow to ensure the success of your business as well as your personal financial well-being.

We provide:

  • Cash flow management for both business and personal finances, even if your income is variable
  • Tax planning so you can estimate and set aside funds for quarterly payments
  • Expertise on unique tax benefits of self-employment, such as deductible business expenses, Solo 401ks/SEP IRAs, Qualified Business Income Deduction (QBI), and more
  • Advice on business structure selection (S Corp, Sole prop, LLC, etc.), balancing business goals vs. personal goals, budgeting to scale your team, and more

How we get started

First, Let's get to know each other

1) Kick-off Meeting

We explore your values and goals. Then it’s time to get organized and dig into the nitty gritty.

2) Tackling What's Top of Mind

We start with whatever questions or issues are keeping you up at night. We also explore what obstacles and beliefs might be holding you back.

3) Investments and Stock Comp

Investments are one of your biggest tools for financing the life you want.

4) Expand your vision

This is a no numbers meeting.

Money is only a tool for living the life you want. What does that life look like?

5) Explore scenarios and strategize

We turn your vision into numbers and model out scenarios to assess what’s possible.

We decide on a plan and start putting it into action.

Implement, Monitor & Adjust

Life isn’t static. Neither is your financial plan.

Our job is to be there for you for the Big Decisions in life, whenever they come up. We’re your advisor on retainer. This means that even if we’re in between meetings, we’re here to talk however many additional times you need.

And if we don’t hear from you, we reach out regularly to make sure that you’re continuing to make progress.

PRICING

Our fees start at $5,000/year for an individual, $7,000/year for a household. 

We provide you with your quote after our second consultation. 

Individuals

$5,000/year
Baseline Fee

Account Value
Rate (%)
$0 - $500,000
First $500K Included in Baseline Fee
$500,000 - $1,000,000
1.00%
$1,000,000 - $2,000,000
0.75%
$2,000,000+
0.50%

Household

$7,000/year
Baseline Fee

Account Value
Rate (%)
$0 - $700,000
First $700K Included in Baseline Fee
$700,000 - $1,000,000
1.00%
$1,000,000 - $2,000,000
0.75%
$2,000,000+
0.50%

Find out how we can help you get more out of your money