Turn High Income Into Enduring Wealth
Tax-smart planning & investment clarity for high-income professionals and physicians.
Common Wealth-Building Challenges We Help Solve
My Paycheck Feels Tax-Heavy
We design proactive W-2 tax strategies—equity comp, deferred comp, multi-state—to keep more net income.
Equity-Comp Complexity
We model RSUs, ISOs, ESPPs, so you exercise and sell on data, not guesswork.
Does My Portfolio Fit Me?
We translate performance into plain English, show alignment to goals, and tune (or manage) the portfolio only if it adds value.
Who We Serve
Executives & Corporate Leaders
Navigate stock awards, deferred comp, and multi-state taxes while protecting family wealth.
Physicians & Healthcare Professionals
Balance high W-2 income, practice buy-ins, and complex benefits without sacrificing work-life balance.
Core Services for High Earners
Advanced Tax & Cash-Flow Strategy
Coordinate income, equity payouts, and deductions to minimise lifetime tax drag.
Integrated Equity-Comp Planning
Optimise vesting, exercising, and selling decisions—backed by scenario modelling.
Investment Fit Analysis
Diagnose how well current holdings support growth goals; manage only when a measurable upgrade is possible.
See our full service menu.
Case Study: Cutting a $120K RSU Tax Bill in Half
The challenge: A VP with unvested RSUs faced a $120 k tax hit and unclear diversification plan.
Our role: We mapped a multi-year sell schedule, paired with bracket-filling Roth conversions and donor-advised giving.
Outcome: Projected tax due dropped by roughly 50 % while portfolio risk decreased and charitable goals were funded.
Individual results vary; past performance is not indicative of future outcomes.
The preceding case study is based on individual client experience and may not be representative of the experience of other clients. They should not be considered a guarantee or indication of future results.
Our 3-Step Process
1.
Explore
Call (15 Minutes):
A short, no-pressure conversation to talk about what’s going on and see if we’re a good fit. No prep needed.
2. Strategy Session – Uncover Your Top Opportunities (60 Minutes): We take a deeper look at your situation, surface the two or three highest-value opportunities, and answer your key questions. The analysis time we invest in preparing for this meeting is typically billed at $750 (waived for qualified households).
Afterwards you’ll receive a concise Strategy Overview summarizing those opportunities and outlining next-step options should you choose to work with us.
3. Put Your Opportunities to Work, Together: If you decide to move forward, we’ll help you put those opportunities into action and keep everything on track. And if it’s not the right time, that’s okay too. You’ll still walk away with clarity, direction, and a few helpful ideas to move forward on your own.
“David and his staff are ultimate professionals. They are friendly and go above and beyond in the support they provide to their clients. As a long-term investor they have my complete confidence. I’m very thankful they are on my team!”
– Jack Wears ⭐⭐⭐⭐⭐
This testimonial is based upon an individual client experience and may not be representative of the experience of other customers and should not be considered a guarantee or indication of future performance or success.
Answers to High Earners’ Most Common Financial Questions
How can I reduce taxes on a $400 k salary plus bonuses?
Strategies include deferred-comp elections, after-tax 401(k) mega-backdoor, donor-advised fund giving, and bracket-filling Roth conversions. We model options before recommending.
What’s the best way to time RSU sales?
We coordinate vest schedules with tax brackets and diversification goals—often selling portions quarterly rather than in a lump.
How are ISO exercises taxed?
ISOs may trigger AMT; we model spread, holding period, and leverage. Sometimes a partial exercise limits AMT exposure.
Do I qualify as an accredited investor?
Most clients earning $300 k+ (or $1 M+ net worth) qualify; we review SEC criteria and liquidity needs before any private investment.
How much does comprehensive planning cost?
Fixed-fee engagements for high earners typically range $4 k - 8 k in year one, quoted after your Strategy Session.
Ready to Build Your High Income Into Enduring Wealth?
Book a 15-minute Intro Call and discover the next clear step.
Updated July 2025 • Written by David Talley, CFP®, EA
