Your portfolio shouldn't be built in a vacuum. If 40% of your net worth is in employer stock, a generic 60/40 allocation isn't diversification — it's a false sense of security.

We construct portfolios that explicitly account for your existing tech exposure, vesting schedules, and liquidity needs. The result is a holistic allocation across public equities, fixed income, real assets, and alternatives — built on CFA-level security analysis.

• Custom portfolio construction around existing equity comp exposure

• Sector diversification beyond your employer's industry concentration

• Risk-adjusted allocation using quantitative factor analysis

• Ongoing rebalancing and tactical adjustments

• Quarterly performance reporting with full transparency

Most financial advisors treat real estate as an afterthought — maybe a REIT allocation. We bring direct development experience and market knowledge to the table.

Whether you're evaluating a rental property, a syndication deal, or considering real estate as a portfolio diversifier, we provide the same depth of analysis you'd expect from an institutional real estate fund: cap rate analysis, cash-on-cash projections, IRR modeling, and risk assessment.

• Direct real estate deal evaluation and due diligence

• Bay Area and national market analysis

• Portfolio integration — real estate as a strategic allocation, not a side bet

• 1031 exchange planning and execution support

• Development project feasibility analysis

Tech careers create unique financial planning challenges. An IPO can change your net worth overnight. A layoff can happen the same day your RSUs vest. An acquisition can trigger a tax event you didn't see coming.

We build comprehensive financial plans that stress-test against these real scenarios — not textbook retirement projections that assume a linear career path.

• Pre-IPO and post-IPO financial planning

• Scenario modeling for career transitions, acquisitions, and liquidity events

• Retirement projections calibrated to your actual spending and goals

• Insurance and risk management review

• Estate planning coordination with your attorney

For high-earning tech professionals, the difference between a good investment strategy and a great one is often measured in tax alpha. Every investment decision has a tax consequence — and we account for all of them.

We coordinate with your CPA to ensure your investment strategy and tax strategy are aligned. From RSU vesting timing to ISO exercise decisions to ESPP participation, we optimize across every dimension.

• RSU vesting analysis and diversification timing

• ISO early exercise evaluation (83(b) election analysis)

• ESPP participation optimization

• Tax-loss harvesting across taxable accounts

• Asset location strategy (tax-deferred vs. taxable placement)

• Charitable giving strategies (donor-advised funds, appreciated stock gifts)

A Roth conversion isn't a one-time decision — it's a multi-year strategy that can save hundreds of thousands in lifetime taxes when executed correctly. The key is converting the right amount in the right years, coordinating with your other income sources to stay within optimal tax brackets.

We build detailed conversion roadmaps that account for your current income trajectory, expected retirement spending, Social Security timing, and Required Minimum Distributions. The goal: maximize the amount you move into tax-free growth while minimizing the tax cost of getting there.

• Multi-year Roth conversion strategies with year-by-year projections

• Tax bracket management — filling brackets efficiently without overconverting

• Coordination with RSU vesting, stock option exercises, and other income events

• Break-even timeline analysis to quantify the long-term benefit

• Integration with overall estate planning and legacy goals

Transferring wealth to the next generation is one of the most tax-sensitive financial decisions you'll make. Without a deliberate strategy, gift and estate taxes can consume a significant portion of what you've built. With the right approach, you can transfer substantially more — legally and efficiently.

We design gift strategies that take full advantage of current exemption levels, annual exclusions, and trust structures — coordinating closely with your estate planning attorney to ensure every piece fits together.

• Annual exclusion optimization to maximize tax-free transfers each year

• Lifetime gift tax exemption planning and tracking against the unified credit

• Grantor trust strategies (GRATs, IDGTs) for high-appreciation assets

• Family wealth transfer planning across multiple generations

• Coordination with estate planning attorneys for seamless execution

If you're self-employed or running a small business, you have access to retirement plan structures that most W-2 employees can only dream about — but choosing the wrong one can cost you tens of thousands in missed contributions or unnecessary complexity.

We help entrepreneurs select and implement the retirement plan that maximizes their tax-deferred savings based on their income level, business structure, and long-term goals. Whether that's a straightforward SEP IRA or a Solo 401(k) with Mega Backdoor Roth contributions, we model the options and build the strategy.

• Plan selection analysis: SEP IRA vs. Solo 401(k) vs. defined benefit plans

• Contribution maximization strategies tailored to your income and entity type

• Mega Backdoor Roth strategies for Solo 401(k) plans

• Self-employed tax optimization — coordinating plan contributions with estimated taxes

• Ongoing plan administration guidance and annual contribution planning

Most financial advisors focus exclusively on personal wealth. We bring CFO-level experience to the table — advising business owners on corporate tax strategies, capital allocation decisions, and complex transactions like sale-leasebacks that can unlock significant value from existing assets.

A sale-leaseback, for example, allows you to monetize owned real estate while retaining operational use — freeing up capital for growth, reducing balance sheet risk, and creating potential tax advantages. We evaluate these structures with the same institutional rigor we apply to investment portfolios.

• Sale-leaseback structuring and financial analysis

• Corporate tax optimization strategies aligned with business goals

• Entity structure advisory — choosing the right setup for tax efficiency

• Capital allocation strategy and balance sheet optimization

• CFO-level financial oversight for businesses without a full-time CFO