For Equity-Compensated Professionals

How can we help?

Four ways we help equity-compensated professionals — executives, senior engineers, product leaders, and founders — whose pay is heavy on RSUs, options, and deferred comp, and whose net worth is concentrated in one company. The calculators size the number and hand it to us for review.

Downside protection Income protection Group long-term disability caps well below an executive's income. See how much of yours is actually protected. Income protection → Wealth building Tax-efficient accumulation Strategies for when your 401(k) and other tax-advantaged accounts are already maxed out. Accumulation → Estate liquidity Estate & legacy liquidity Cover a projected estate-tax bill without forcing a sale of concentrated stock or other assets. Estate liquidity → Concentration risk Equity compensation & concentration Coordinate RSUs, ISOs, deferred comp, and founder equity with coverage that may not be portable, and manage the risk of a position concentrated in one company. Equity & concentration →

Also here for your life and long-term care coverage, see insurance planning. Not sure where to start? Talk it through first. No cost, no pressure.

Being pitched a policy or plan, or already own one? We'll show you the math and tell you straight whether it holds up.

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How engagements usually start

Your employer benefits

Your current employer benefits and what's actually portable if you change roles.

Your advisors

Existing advisors — CPA, financial advisor, estate attorney — and how we'd coordinate with them.

What's driving it

Specific situations driving the conversation (concentrated stock, upcoming liquidity event, recent role change).

Immediate or strategic

Whether the planning need is immediate (acute risk to address) or strategic (multi-year accumulation and protection design).