Who we serve
For equity-compensated executives
Equity compensation planning connects company shares and awards with your cash needs, tax position, and broader financial goals. Aspirean Wealth helps executives evaluate concentration, vesting, option exercises, and possible sale schedules, coordinating with their tax professionals, company counsel, and executing brokers where restrictions or legal requirements affect the available choices.
Planning questions
What should executives review about equity compensation?
Start with the decisions your circumstances require and the documents needed to evaluate them. Planning needs to account for costs, risks, and limits as well as the goals you hope to achieve.
Meet with usHow concentrated is the household in one company?
Count vested shares, future awards, and employment income when assessing dependence on an employer. Our company-stock concentration guide starts with the consequences for household goals rather than a universal percentage.
How do trading restrictions affect diversification?
Review company policies and legal requirements with counsel before adopting or changing a sale schedule. A Rule 10b5-1 plan may be relevant, but it does not assure execution or remove market risk.
How should option exercises and taxes be evaluated?
Compare exercise cost, possible taxes, liquidity, and the risks of continuing to hold the shares. Our ISO and AMT guide identifies information to review with your tax professional before exercising.
Questions we answer
What questions should you explore next?
These short answers introduce the decisions covered in the linked guides. Review the full explanation for limitations and questions to discuss with your planning team.
How much company stock should you keep?
There is no concentration percentage that fits every executive. Assess the consequences of a substantial decline alongside salary, future awards, taxes, liquidity, and trading restrictions.
Read the full answerWhat can a Rule 10b5-1 plan do for an insider?
A plan sets trading instructions in advance and may provide an affirmative defense when its conditions are satisfied. Review adoption, cooling-off, execution, and company-policy requirements with counsel and the broker.
Read the full answerHow can an ISO exercise affect taxes and liquidity?
An ISO exercise can create an AMT adjustment without producing cash from a share sale. Compare exercise cost, tax estimates, holding requirements, and share-price risk before deciding whether to exercise or hold.
Read the full answerHow we work with you
Which services connect these decisions?
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Investment Management
Evidence-based portfolios built for your goals, not this quarter’s headlines.
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Tax Planning & Coordination
Review investment and financial decisions alongside the tax professional who prepares your return.
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Risk Management Planning
Review coverage, concentration, liquidity, and the risks that remain after planning.
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Financial Planning
A living plan for the decisions in front of you: exits, equity, income, education, the freedom to make a change.
What prompted the engagement?
A technology executive held a substantial share of the portfolio in company stock accumulated through RSU vesting. Employment income and future awards added to the household’s exposure to the company.
What work did the engagement involve?
Aspirean developed a plan to reduce the position and considered a long-short tax-loss harvesting implementation. The approach required attention to market risk, borrowing and trading costs, tax rules, and the restrictions affecting company-stock sales.
What does the process illustrate?
The engagement established an objective and a process for reviewing diversification. A staged approach can leave concentration in place, and selling gives up exposure to later company gains; outcomes depend on execution and circumstances.
Drawn from a real engagement, with details generalized to protect the client’s privacy. Every situation is different; outcomes depend on circumstances and timing.
Offices
Where can you meet with Aspirean Wealth?
Marin County, CA
6 Knoll Lane, Suite BMill Valley, CA 94941
(415) 383-8404
Marin County, CA · Mill Valley, CA · San Francisco Bay Area, CA
St. Joseph, MI
505 Pleasant St, Suite 401St. Joseph, MI 49085
(844) 687-5342
St. Joseph, MI · Benton Harbor, MI · Southwest Michigan
Chesterton, IN
160 Rail Rd, Suite 4Chesterton, IN 46304
(844) 687-5342
Chesterton, IN · Valparaiso, IN · Northwest Indiana
Frequently asked questions
What else should you know about the relationship?
Do you have a minimum asset level?
Yes. We best serve individuals with at least $1 million in investable assets, including 401(k) plan assets, or more complex financial situations. Our minimum annual fee is $7,500 for clients below that threshold.
How are you compensated?
Aspirean Wealth charges an advisory fee based on the assets it manages. Investment expenses and custodial or transaction charges may also apply; review our firm disclosures and your agreement for fees, services, and conflicts of interest.
Do you replace my tax or legal advisers?
Your tax and legal professionals advise on their respective areas and prepare the relevant filings and documents. Aspirean Wealth coordinates financial planning and investment decisions with their work, within the scope of your agreement.
What information should I bring to a first conversation?
Bring the questions you want to resolve and a broad outline of your accounts, obligations, and relevant timelines. Ask how sensitive documents should be shared before sending them, and confirm the services and fees involved.
Meet with us
Let’s talk.
We take on a limited number of new families each year, on purpose. If some version of this moment has arrived at your door, we’d like to hear from you.
Meet with us