Holistic financial planning for the modern creator—from solopreneurs and SMB owners to tech executives navigating complex equity compensation. (built on top of a holistic plan)

You’re too busy building to manage the finer points of tax diversification, RSU vesting schedules, or business cash flow. You need more than a generic "asset allocation" plan; you need a strategic partner who understands startup equity, 1099 income, and self-employed retirement plans (Solo 401(k), SEP IRA).

As a solo advisor, I work directly with you to:

·       Decipher your equity: Optimize RSU, ISO, and NSO vesting for tax efficiency.

·       Structure your business: Tax planning for solopreneurs and SMBS.

·       Bridge the gap: Align your personal financial goals with your business's success.

SERVICES

For Solopreneurs & Business Owners: Business entity structure optimization, tax-efficient retirement planning (Solo 401(k), SEP IRA), and cash flow management for lumpy income.

o   Business Structure/Entity (S-Corp vs. LLC) Optimization and Tax Efficiency: Tax planning for solopreneurs and SMBS. Guidance on S-Corp vs. LLC tax efficiency. We can run scenario analysis to compare options. Continuous optimization of your draw vs. salary to lower self-employment tax.

o   Retirement for One (or Many): Guidance on setting up SEP-IRAs, Solo 401(k)s, Cash Balance Plans or customized employee plans.

o   High-Impact Retirement Plans: Advice on Implementation of Solo 401(k)s, Cash Balance Plans, or SEP-IRAs designed for high-income "builders".

o   Exit & Succession Planning: Building a business that is "sellable" from day one, ensuring your largest asset isn't a single-point-of-failure.

For Tech Execs (Equity Compensation): Comprehensive planning to manage RSU/ISO vesting, tax withholding strategies, and diversifying away from single-stock risk without triggering massive tax bills.

I work exclusively with tech professionals to manage the complexity that comes with high-value equity grants. Specifically, I help clients at companies like yours navigate concentration risk and tax-efficient exercise strategies."

·       Key services include optimizing stock option exercises, managing diversification to reduce risk, and aligning equity holdings with comprehensive financial goals.

Equity Comp Strategy: A clear roadmap for when to vest, exercise, or sell to manage concentration risk.

AMT & Tax Modeling: Advanced modeling to prevent surprise tax bills during liquidity events.

Comprehensive planning to manage RSU/ISO vesting, tax withholding strategies, and diversifying away from single-stock risk without triggering massive tax bills.

Don't let your RSU, ISO, or NSO strategy happen by accident.

• We model tax-efficient exercise strategies and concentration risk management to turn "paper wealth" into lasting freedom.

Tech Executives: Navigating complex comp packages and looking for a partner who understands "pre-IPO" math.

• Don’t assume your company has "handled the taxes."

• Avoid a massive, five-figure surprise tax bill come April.

• I can calculate the "tax gap" before the vest date and coordinate quarterly estimated payments or W-4 adjustments to keep you in the IRS's good graces. 

• Watch out for Concentration Risk – letting too much of your wealth depen on one stock ticker symbol – I like to use the "Cash-Equivalent Test." If your company handed you $100k in cash today, would you use all of it to buy company stock? If the answer is no, we need a diversification schedule—often using Rule 10b5-1 plans to sell legally and systematically. Or manually during open trading windows.

Watch for the “Double-Tax” Basis Error on 1099. Let me provide a Cost Basis Audit to ensure your tax preparer had the FMV from the date of vesting to avoid accidentally double paying taxes.

• "Don't let a surprise tax bill erase years of hard work. We specialize in tax-smart strategies for ISOs and NQSOs to keep more of what you’ve earned."

• We can help with

• Strategy for ISO/NQSO exercises.

• Tax planning for RSUs and Performance Shares.

• Maximizing ESPP lookback provisions.

• Managing Alternative Minimum Tax (AMT) exposure.

• The Hook: "You didn't join a startup just for the salary—you joined for the equity. But a single tax mistake or a market dip can turn that paper wealth into a missed opportunity."

• The Expertise: "I specialize in the high-stakes world of equity compensation. Whether you're navigating a post-IPO lockup, managing Alternative Minimum Tax (AMT), or deciding when to exercise ISOs, I provide the roadmap to ensure your equity serves your life goals."

Call to Action (CTA): Book Your Strategy Session.