Executive Financial Planning
Insurance and risk planning for executives with equity compensation, deferred comp, and concentrated employer exposure.
The executive planning profile
A senior executive's financial situation differs from a typical professional's in ways that matter for insurance planning: compensation that is heavily equity and deferred, employer-provided coverage that is often inadequate or non-portable, exposure concentrated in a single employer that may also be the source of substantial wealth.
Generic insurance planning rarely accounts for this profile. The result is often coverage that is mis-sized, mis-structured, or assumes a stability of employment and compensation that doesn't actually exist. Executive planning requires the analysis to match the situation.
What this planning area covers
We work with executives on the insurance side of their broader compensation and risk picture: life insurance sized to actual total compensation (not just base), disability protection at levels that group LTD policies typically cap below, supplemental coverage that addresses portability questions when the executive considers role changes.
We also address the planning implications of concentrated equity exposure — where insurance plays a meaningful role in risk management — and the protection structures that support broader tax-efficient accumulation for executives whose retirement accounts are no longer the binding constraint.
How we approach the conversation
The first conversation focuses on understanding the actual compensation picture: base, target bonus, equity grants and vesting, deferred compensation if applicable, any executive-specific benefits (SERP, golden parachute, etc.).
We work in coordination with the executive's CPA, fiduciary financial advisor, and — where applicable — equity-compensation specialist. The insurance role is integrated into their work, not separate from it. Where their work hasn't been done yet, we typically recommend it precede or run alongside the insurance engagement.
Where insurance ends and other professionals begin
Executive compensation planning, equity-comp strategy, tax planning, and investment management are the work of CPAs, fiduciary advisors, and equity-compensation specialists. We focus on the insurance role within the broader picture, and we coordinate carefully with the other professionals on the executive's team.
Want to talk through your specific situation?
A first conversation is exploratory and at no cost. We will discuss what you're considering and whether our practice is the right fit.
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