27+ Years Helping Engineers, Founders & Tech Executives Who Think Differently
Clarity. Confidence. Control.
We serve as a thinking partner for engineers and executives with $2M–$10M+, helping them simplify financial complexity, optimize stock compensation, and plan for financial independence—through a personalized, fee-only approach.
Financial Planning FAQs for Tech Professionals
We answer some of the most common — and most important — questions our clients ask. Whether you're navigating equity comp, early retirement, or global investing, our answers are grounded in research & experience, not guesswork.
1. What should I do with my RSUs when they vest?
When RSUs vest, their value is treated as ordinary income, and taxes are typically withheld automatically. You can hold the shares or sell them — each has pros and cons. Selling right away helps manage risk and liquidity needs. Holding may make sense if you believe in the company and can handle the concentration. A personalized plan helps you avoid regret and optimize your after-tax outcomes.
2. Best strategies for RSUs and IPO planning?How can I reduce taxes on my RSUs or ISOs?
Timing is everything. For RSUs, consider offsetting gains with tax-loss harvesting or donating appreciated stock. For ISOs, holding shares for at least one year post-exercise (and two years from grant) may qualify you for long-term capital gains — but watch for AMT exposure. A coordinated tax strategy can meaningfully reduce what you owe.
3. How much do I need to retire in Silicon Valley? Can I afford to retire early if I work in tech?
Possibly — and more tech professionals are doing it. The key is clarity around your spending, equity compensation, investment income, and healthcare costs. With thoughtful planning and cash flow projections, many of our clients successfully retire in their 40s or 50s. The earlier you plan, the more flexible your options.
4. What’s a backdoor Roth IRA, and is it still legal?
A backdoor Roth IRA is a legal strategy that lets high earners contribute to a Roth by first funding a traditional IRA and then converting it. It's still allowed as of 2025, but the rules are complex. If you have no other pre-tax IRA balances, it can be a smart move. Be sure to report it correctly to avoid penalties. Learn more here.
5. How should engineers diversify away from concentrated stock? Should I sell my company stock or hold it?
It depends. Holding exposes you to concentrated risk — even if you believe in the company. Selling provides diversification and can reduce downside exposure, but taxes may be triggered. We often recommend gradual selling (like via a 10b5-1 plan) to balance risk, taxes, and opportunity. The right answer comes from understanding your full financial picture. Read more about his here.
