Who We Help
Built for Executives and Professionals Ready for What's Next
We work with senior professionals, VPs, directors, and executives who have built real wealth inside a corporate career and are getting close to leaving. Some are retiring early. Some are starting something new. Some just know the current chapter is closing and want the numbers to support whatever comes after.
If that sounds like your situation, let's talk.
Articles to Read Before You Hand in the Resignation
Understanding Your Stock Options: A Guide to Incentive and Non-Qualified Stock Options
A guide to understanding your Incentive Stock Options (ISOs) and Non-qualified Stock Options (NSOs)
Zachary Ashburn, CFP®, EA, AFC®
A Guide to Employee Stock Purchase Plans (ESPPs)
A Guide to Understanding and Maximizing Employee Stock Purchase Plans (ESPPs)
Zachary Ashburn, CFP®, EA, AFC®
What Happens to Company Stock When You're Laid Off
A review of what happens to your RSUs and Stock Options if you get laid off
Zachary Ashburn, CFP®, EA, AFC®
When should I start planning my corporate exit?
Earlier than most people think. The best tax moves, equity decisions, and Roth conversion opportunities usually need a runway of one to three years before the exit date. Coming to us six months out still works, but coming to us two years out unlocks options that aren't available later.
What happens to my stock options and RSUs when I leave?
It depends on the grant agreement, but most vested options have a short window to exercise after you leave, often 90 days. Unvested RSUs and options typically forfeit. We map out every grant before the exit so nothing valuable expires by accident.
How do I handle healthcare if I retire before 65?
There are usually three paths: COBRA for short-term coverage, the ACA marketplace with income managed for subsidy eligibility, or coverage through a spouse's plan. The right answer depends on your income strategy and how many years until Medicare. We model all three.
Should I do Roth conversions after I leave?
Often yes, and the exit year or the first few years after can be the best window of your life for conversions. Once the paycheck stops, your taxable income drops, and you can fill the lower brackets with conversions that would have cost much more during peak earning years.
What about deferred compensation?
Deferred comp has its own rules, payout elections, and tax treatment, and the choices you make at distribution time are usually irrevocable. We coordinate the distribution schedule with the rest of your income plan so it doesn't accidentally push you into a higher bracket.
Do you only work with local clients?
No. We work virtually with clients across the U.S. and have deep experience with multi-state tax situations, including the residency planning that often comes up when an exit also means a move.