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Plan Today for a Successful Tomorrow

 

For executives, business owners, and professionals in need of assistance in managing and planning for their financial assets. 

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We recognize that people’s lives are in a constant state of transition and growth, with some periods more dramatic than others. Individuals and families face a multitude of decisions as they build and secure their financial future. Plan today for a successful tomorrow.

Family Going Swimming

  • Major purchase consultation

  • Estate and trust planning

  • Insurance coordination

  • Work benefits coordination

  • 401k oversight

  • College education planning

  • Tax diversification

  • Net worth tracking

  • Investment management

  • Wealth accumulation plans

  • Retirement planning

  • Equity compensation (RSU, ISO and NSO)

Altruist Wealth Management diagram showing financial planning process: goals, risk, taxes, estate, cash flow, and investments

Mid-Career Professional Case Study 

From Stock Overload to Financial Independence: How Sarah Built a Tax-Efficient Plan for the Future
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Overview:

Sarah always knew her RSUs were valuable, but as her company’s stock price soared, she found herself in a tricky spot—most of her wealth was tied to a single stock.

She worried about the risks of a downturn but hesitated to sell because of tax implications from RSU vesting and stock option exercises. With financial independence on the horizon, Sarah wanted a clear strategy to reduce risk, manage taxes, and transition from wealth accumulation to early retirement planning.

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Challenges:

  • Too Much Wealth in Company Stock – She felt uneasy knowing a market downturn could erase years of gains.

  • Complicated RSU & Stock Option Taxes – Selling at the wrong time could trigger an unnecessary tax bill, reducing the value of her hard-earned gains.

  • Shifting Mindset from Growth to Security – She wanted to protect her wealth while still growing it responsibly.

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Solutions:

  • Diversification Strategy – Developed a tax-smart approach to gradually sell company stock and reinvest in a diversified portfolio aligned with her financial independence goals.

  • Tax Coordination – Worked with her CPA to optimize RSU vesting and time stock option exercises to manage tax liability while avoiding AMT pitfalls.

  • Financial Independence Roadmap – Built a clear plan using Monte Carlo simulations to determine how and when she could reach early retirement with confidence.

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Results:

  • Reduced Stock Concentration Risk – Reallocated $500,000 from company stock into a diversified, long-term portfolio.

  • Lowered Tax Burden – Over three years, her strategy helped her avoid unnecessary tax costs, saving an estimated $50,000.

  • Confidence & Clarity – Sarah now has a clear path to financial independence within 10 years, knowing exactly when she’ll have the freedom to step away from work—on her terms.

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Are Your RSUs or Stock Options Creating Complexity?

Managing equity compensation can be overwhelming, but a tax-efficient strategy can help you reduce risk and maximize your financial potential. Let’s create a plan tailored to your goals.

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This case study is reflective of real client scenarios but does not describe any specific individual. It is intended for illustrative purposes only to demonstrate how Altruist Wealth Management may approach similar situations. Individual outcomes will vary based on personal circumstances, market conditions, and tax laws, which are subject to change. This content is not personalized investment, tax, or legal advice. Altruist Wealth Management is a registered investment advisor offering fiduciary services. Please consult your tax or legal professional for advice tailored to your unique situation.

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