High Net Worth & Corporate Executives

Executives often have complex compensation packages that include stock options, restricted stock units (RSUs), bonuses, and deferred compensation plans. We work to understand these intricacies to help executives optimize their compensation structures, minimize tax implications, and align their financial goals with company performance.

Executives frequently receive stock options as part of their compensation. We assist in evaluating the timing of exercising options, managing concentrated stock positions, and implementing strategies like hedging to mitigate risk.

High-level executives face unique tax considerations, such as the Alternative Minimum Tax (AMT), capital gains tax, and tax implications of stock-based compensation. We utilize tax-efficient strategies to maximize after-tax income while complying with relevant tax laws and regulations.

Executives often have non-traditional retirement plans, such as non-qualified deferred compensation (NQDC) plans and supplemental executive retirement plans (SERPs). We incorporate these plans into comprehensive retirement strategies and consider their impact on long-term financial security.

Given the substantial wealth accumulated by executives, estate planning becomes crucial. We work side by side with estate planning attorneys to structure trusts, develop gifting strategies, and minimize estate taxes to facilitate smooth wealth transfer to heirs.

Executives may face unique risks related to their positions, such as exposure to shareholder lawsuits, regulatory scrutiny, or industry-specific challenges. We recommend appropriate insurance coverage, asset protection strategies, and liability management techniques to safeguard wealth and mitigate risks.

Large companies often offer various employee benefits beyond standard retirement plans, including health savings accounts (HSAs), flexible spending accounts (FSAs), and employee stock purchase plans (ESPPs). We help executives maximize the value of these benefits and integrate them into their overall financial plans.

Due to their unique circumstances, we work differently with high-net-worth individuals. We utilize investment products such as separately managed accounts (SMAs), and strategies such as tax-loss harvesting to maximize after-tax performance while strategically planning the investment strategy with taxes in mind.