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      Corporate Executives

      As a corporate executive your skills and experience have led you to manage higher levels of the business you operate in.  Just as you manage at higher levels so, too, your benefits typically become higher in complexity.  It’s common that corporate executives are given benefits such as Non-Qualified stock options (NQSO) or Incentive Stock Options (ISO), Deferred Compensation, or even ownership in the company directly.  With access to these additional benefits it’s critical to coordinate them with appropriate timing and tax strategies.

      Who are Corporate Executives?

      We describe corporate executives as high income earning  individuals who have access to higher levels of benefits because of their role in their company.  From the perspective of a corporate executive you may be asking the following questions:

      • When should I choose to retire?  You want to choose the most effective exit strategy to be time and tax efficient.  Your strategy also needs to be flexible to withstand events within your company before retirement.
      • Am I maximizing my benefits to save for retirement needs?  You want to make sure you’ll have enough money to last through retirement.  It’s important to you that you aren’t missing an opportunity that could allow for an early retirement age and provide funds to last during retirement. 

      As you gain confidence that your financial plan will be successful you’ll be able to think about making the most of your time in retirement.  Your thoughts about retirement may include being a consultant, starting your own business or enjoying your family and hobbies. 

      Corporate Executives have distinct differences from other high income earners.  We identify corporate executives by these specific characteristics.  

      Are you a Corporate Executive?

      Own one or more forms of private or public employer stock

      Need an exit strategy to maximize retirement benefits

      High employer stock concentration requires portfolio diversification

      Retirement Income could reach higher tax brackets

      Need to coordinate use of your portfolio in retirement 

      Due to the unique benefits available to you as a corporate executive your plan must be customized.  To make sure your plan is successful we detail the order and timing of when various retirement assets are used.  For you to reach your goals successfully it can’t be left to chance.  A well thought out plan that accounts for taxes while you’re working and in retirement is crucial.  

      Our team will work with you to build a plan that is successful now and in the future.  We realize life can change so your plan will be flexible enough to navigate these changes as they come.

      What financial services do corporate executives need?

      Financial Design Studio (FDS) offers services to implement the strategies that will make your plan successful.  It’s important for you to stay diversified from your employer.  With your salary, bonus, and employer stock benefits it’s very easy for your wealth to become dependent on your employment.  

      For this reason, it’s important that on a regular basis we track and maintain vesting schedules for employer stock to exercise stock options and diversify your portfolio as much as possible.  With the greater amount of saving opportunities you have it’s important to track that you’re saving the maximum amount each year.

      Wealth and Investment Management

      Wealth Management is the comprehensive, ongoing service we offer to high income earners to help them save time and maximize the potential of their money. We take your comprehensive financial plan and help you implement it and keep it fresh and relevant by updating it each year.

      Included in this service is ongoing investment management, which makes sure you’re always invested in alignment with your goals. Markets are constantly rising and falling, so it’s important to have someone monitoring your investments at all times.

      Financial Planning

      When you decide to begin working with our team, the first thing we’ll start with is building your financial plan.  This involves identifying your goals and setting a plan to reach them.  To accomplish your goals we continually stay aware of all areas of your plan in addition to saving and investing.  

      We help you review your employee benefits annually as part of our wealth management service.  And protecting your plan through the level of insurance is just as important so you have what you need but don’t pay too much for it.  Our ongoing service ensures that your initial plan review receives annual attention too, as we update your plan every year.  

      Retirement Planning

      With ongoing wealth management you’ll receive annual retirement planning benefits.  As a corporate executive you may decide to retire earlier than your normal retirement age to maximize the benefits you’ll receive.  You want to make sure that any changes at your employer don’t affect your retirement negatively.  A change in your retirement plan from a pension to an employee funded retirement plan could make a difference in the success of your financial goals.  

      As the economy moves through cycles companies must respond with changes that may affect their employees adversely.  As we help you plan for retirement, even beginning in years where it seems far away, we can help to protect you from company changes that may come.  Instead of these changes happening to you we help you adjust your plan to maximize the changing benefits.  

      Estate and Legacy Planning

      With a larger variety of employer benefits you’ll need to carefully consider any estate or legacy decisions.  A larger estate means you need to make sure your estate will pass to your beneficiaries efficiently so your hard earned assets are inherited by those you love rather than going to pay taxes.  

      With your income and asset levels an estate plan will become important to fulfill your final planning wishes.  We’ll coordinate with estate planning professionals to make sure all of the small details that matter are always in order. 

      Tax Preparation and Planning

      One of the largest benefits to our ongoing service is our tax planning that happens all throughout the year so there are no negative surprises when your tax return is finalized.  From coordinating your savings into tax deductible accounts to managing your investments for tax neutral rebalancing we stay aware of your taxes year round.  We project out your pay stubs to ensure we are expecting the same income and tax withholding you are.   

      As we manage all of the coordination of your planning actions each year, you may choose to have us prepare and file your tax return too.  This can ease the process of completing your tax filing each year as we already provide your tax planning.    

      As a corporate executive, our team of professionals desires to help you achieve success to reach your financial goals.  We strive to maximize the savings of and efficiency in spending down your retirement assets.

      Services & Pricing

      Financial Planning

      Over the course of about eight weeks, we work with you to design a flexible strategy for you and your goals.

      We use a combination of interactive online software, custom reports, and discussions about your options. Through strategy meetings, we learn what's important to you so your plan fits your unique goals. And you'll receive a copy of your plan to remember the details in the future.

      Click here to read more about your first step: creating your Financial Design.

      Wealth Management

      After receiving our Financial Plan, we offer this all inclusive, ongoing implementation of our recommendations.

      We provide you advice on anything that has to do with your finances. We deliver financial plan updates and regular planning to ensure you're always on track to achieve your goals. We coordinate with your other professionals (CPAs, attorneys, mortgage brokers, and insurance agents).

      Click here to read more about our ongoing Wealth Management services.

      Pricing Schedule

      Financial Planning

      A Financial Plan has an initial cost of $5,000. This is paid 50% up front and 50% when we present it. Then we begin implementing your plan through wealth management.

      Wealth Management

      Our ongoing Wealth Management services range from 1.25% to .60% per year, of the investments we manage for you, including employer retirement accounts.

      Our services are for you if…

      You prefer to delegate to an expert because you value a professional's guidance

      You want to know that you are cared for by a team that wants the best for you

      You value a "certainty of outcome" over "beating the market"

      Ready to take the next step?

      Schedule a quick call with our financial advisors.