Ideally, planning starts earlyโeven mid-career. Executives often delay estate, trust, or legacy planning until a major transition. Proactive planning integrates equity comp, deferred income, and tax-efficient wealth transfer to maximize legacy impact and minimize estate tax exposure.
Advisors coordinate across compensation typesโRSUs, ISOs, NSOs, deferred compโand company policies. We model liquidity, tax, and diversification scenarios while ensuring alignment with SEC rules, blackout periods, and insider restrictions. Itโs about integrating planning, not just tracking assets.
We help limit exposure by structuring assets through trusts, LLCs, or other vehicles that reduce public visibility. Coordinating with legal counsel, we also implement layered strategies to protect privacy, including cybersecurity audits, identity protection, and discreet asset titling.
RSUs trigger ordinary income upon vesting, often creating a large tax bill. Strategies include tax modeling around vesting dates, withholding optimization, and pairing RSU income with charitable giving (e.g., donor-advised funds) to offset liabilities and improve tax efficiency.
10b5-1 plans allow executives to schedule stock sales in advance, helping ensure compliance with insider trading rules and blackout periods. These plans provide a structured, SEC-compliant way to diversify concentrated equity positions without raising red flags.