Your Career May Be Complex. Your Financial Strategy Should Bring Clarity.
Professional success can create financial opportunity. It can also create complexity.
As income grows, your financial life may begin to include multiple retirement plans, company stock, bonuses, deferred compensation, equity awards, taxable investments, insurance benefits, and increasingly important tax and estate decisions.
And while your finances are becoming more complicated, your career may be leaving you with less time to manage them.
Integrity Wealth helps executives and professionals organize the different pieces of their financial lives and build a coordinated strategy around their career, family, and long-term goals.
Schedule a ConsultationMore Income Often Creates More Decisions
A high income does not automatically create a financial plan.
Executives and professionals may need to make decisions involving:
Individually, each decision may seem manageable. The challenge is understanding how they work together.
Coordinate Your Compensation With Your Financial Plan
Employer Retirement Benefits
Your employer may offer several opportunities to build wealth through retirement programs. We can help evaluate available benefits within the context of your overall financial strategy.
- 401(k) contributions
- Roth and traditional contributions
- Employer matching
- After-tax savings opportunities
- Deferred compensation
- Pension benefits
- Retirement timing
The goal is to make intentional decisions rather than simply selecting benefits each year without considering the broader picture.
Equity Compensation
For some executives, a meaningful portion of compensation may come from company equity. Depending on your employer, that could include:
- Restricted stock units
- Stock options
- Performance awards
- Employee stock purchase plans
- Other equity-based compensation
These benefits may provide significant wealth-building opportunities, but they can also introduce investment concentration and tax considerations. We can help evaluate your equity compensation in the context of your broader investment portfolio.
Managing Concentrated Company Stock
As your career progresses, you may accumulate a significant position in the company where you work. That can create an unusual situation:
Your paycheck, bonus, future equity, and portfolio may all depend on the same company.
We can help you evaluate the role employer stock plays within your overall portfolio and consider diversification strategies based on your circumstances, goals, tax considerations, and any restrictions that may apply.
Making the Most of Your Highest-Earning Years
Your peak earning years can represent an important opportunity to build long-term financial confidence.
We help clients evaluate how current income can be allocated among competing priorities such as:
- Retirement savings
- Taxable investments
- Mortgage reduction
- College funding
- Major purchases
- Real estate
- Insurance
- Charitable giving
- Cash reserves
- Lifestyle spending
The objective is not simply to save as much as possible. It is to determine how today’s income can best support both your current lifestyle and your future goals.
Tax-Aware Financial Planning
Higher income can make tax planning increasingly important.
We can help you evaluate the potential tax implications of financial decisions involving investments, equity compensation, retirement plans, charitable giving, Roth strategies, and retirement distributions.
When specialized tax advice is required, we can coordinate planning with your CPA or other tax professional.
When Your Career Changes
Executive careers do not always follow a straight line. You may:
Each transition can create important financial decisions. We help you evaluate those decisions within the context of your long-term plan.
Preparing for the Transition From Career to Retirement
After decades spent building a career, retirement may require both financial and personal adjustment. We can help you answer questions such as:
Our goal is to help make the transition from accumulating wealth during your career to using that wealth intentionally in retirement.
Protecting Your Family and Your Legacy
As wealth grows, financial planning often becomes increasingly focused on family. We can help you consider:
When legal or tax expertise is needed, we can coordinate with the appropriate professional.
Designed for Busy Professionals
You may spend your professional life solving complicated problems for your employer, clients, patients, or business.
Your personal financial life should not become another full-time job.
Integrity Wealth helps bring together your investments, employer benefits, retirement strategy, insurance, tax considerations, and long-term goals so you can make financial decisions from a clearer perspective.
Frequently Asked Questions
Can you review my employer benefits?
We can help you evaluate the financial planning implications of retirement plans, equity compensation, deferred compensation, insurance benefits, and other employer programs based on your circumstances.
Can you help with stock options or RSUs?
Yes. Equity compensation can be evaluated in conjunction with your investment portfolio, tax considerations, liquidity needs, and long-term financial goals.
What if I have too much of my wealth in employer stock?
We can help evaluate your overall exposure and discuss potential diversification strategies while considering taxes, restrictions, and your broader financial plan.
Can you manage investments outside my employer plan?
Yes. Integrity Wealth provides investment management as part of its broader wealth management services.
Can you help me prepare to retire from my company?
Yes. Retirement planning can include employer benefits, investments, Social Security, retirement income, healthcare, taxes, and other financial considerations.
