Holistic Financial Planning &
Investment Management
for "builders and creators"— tech executives with equity comp (RSUs, ISOs,..), solopreneurs, artists, entrepreneurs, and small business owners - my specialty
… I can also help those with more general financial planning needs - young professionals,
pre-retirees, retirees, medical professionals. All are welcome.
Serving the Boston Area and Beyond.
Here’s to the The "Builders, Innovators, & Creators”
We serve a specific niche of high-impact individuals—tech executives and professionals, solepreneurs, small business owners, and creators—who are actively building wealth through equity and entrepreneurship. Our mission is to ensure your professional success translates into personal financial freedom.
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.
Holistic Financial Planning: I’ll work with you to build a Comprehensive Financial Plan.
Tech Executive Equity Optimization and Planning
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. I work 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.
Don't let your RSU, ISO, or NSO strategy happen by accident. I model tax-efficient exercise strategies and concentration risk management to turn "paper wealth" into lasting freedom.
I’ll help you navigate the complex comp packages and understand the "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 estimated "tax gap" before the vest date and coordinate with your CPA for quarterly estimated payments or W-4 adjustments to keep you in the IRS's good graces. I specialize in tax-smart strategies for ISOs and NQSOs to keep more of what you’ve earned. 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.
Watch out for Concentration Risk – letting too much of your wealth depend 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, you may need a diversification schedule—often using Rule 10b5-1 plans to sell legally and systematically. Or manually during open trading windows.
Large unrealized cap gains? We can help you evaluate tax loss harvesting options like direct indexing and long-short direct indexing to help you unwind while minimizing tax.
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.
We can also help with
Strategy for ISO/NQSO exercises.
Tax planning for RSUs and Performance Shares.
Maximizing ESPP lookback provisions.
Managing Alternative Minimum Tax (AMT) exposure. We’ll use Holistiplan to help model scenarios to evaluate how much you can exercise before triggering AMT.
Solepreneur & SMB Growth Planning
I work with founders and small business owners who need to harmonize their business success with their personal financial goals.
Business Structure Optimization, S-Corp & LLC Tax Efficiency: Guidance on S-Corp vs. LLC tax efficiency. Continuous optimization of your draw vs. salary to lower self-employment tax. Business entity structure optimization, tax-efficient retirement planning (Solo 401(k), SEP IRA), and cash flow management for lumpy income. I can do a scenario analysis of your options using sophisticated tax planning software.
Retirement for One (or Many): Help evaluate choices between SEP-IRAs, Solo 401(k)s, or Cash Balance Plans designed for high-income "builders".
Business & Personal Integration (For SMB Owners & Solopreneurs)
Treat the business and the owner as one financial ecosystem.
Exit & Succession Planning: Building a business that is "sellable" from day one, ensuring your largest asset isn't a single-point-of-failure.
Strategic Planning: Integrating your business valuation or vested equity into a holistic net worth plan.
As a former multi-business founder, I know your personal and business finances are inextricably linked.
I’ll help optimize your cash flow, retirement structures, and tax exposure so you can focus on scaling.
Rivermax is a Fiduciary, meaning I put my client’s interest first.
Fee Only With Flexible Options - No Commission Selling
Convenient Live Meetings Days, Eves, or Weekends, in Person or Remote.
Clients Can Get A Secure Client Dashboard and App With Their Data Updated in One Place
I offer the personal touch of a Sole Practitioner powered by industry-leading technology and other resources.
I Work To Align Client Plans and Investments With Their Goals, Values, Risk Tolerance, and Risk Capacity
“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”
— Albert Einstein