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Comprehensive wealth management

Your career or your business is one part of your financial life. We manage all of it together.

Investment management, tax planning, retirement planning and day-to-day financial decisions, coordinated through one ongoing relationship with an independent, fee-only fiduciary.

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Why it’s connected

One decision, five consequences.

Selling vested RSUs isn’t merely an investment decision. It affects your tax bill, your diversification, your cash on hand and your timeline to long-term goals.

At the center

One plan. One advisor.

Every decision is evaluated against the whole picture.

Your equity or business

Company stock, options and vesting, or the business you’ve built and its value

Tax planning

Multi-year projections, capital gains, withholding gaps, business income

Investment management

An allocation built around what you already own and depend on

Retirement & independence

When work could become optional, and what it would take

Cash flow & goals

Liquidity for a home, family priorities, career or business changes

Equity compensation, tax planning, investment management, retirement planning and cash flow goals all connect to a single coordinated plan.

01

Investment Management

Disciplined, diversified portfolios that account for everything you own, including company stock.

We build and manage portfolios with intention: a clear allocation, broad diversification and careful implementation. Your employer stock and future vests are part of the picture, so the rest of the portfolio can balance them rather than add to the same risks.

  • Asset allocation aligned with your goals, time horizon and comfort with risk
  • Diversification across asset classes, regions and sectors, with attention to tech exposure you already carry
  • Tax-efficient investing and implementation
  • Asset location: placing investments in taxable, tax-deferred and Roth accounts thoughtfully
  • Tax-loss harvesting where appropriate
  • Ongoing monitoring and disciplined rebalancing
  • Risk management, including a plan for reducing concentrated positions

02

Tax Planning

Planning ahead of the tax year, not reconstructing it afterward.

For tech professionals, the biggest tax decisions often come from equity: when RSUs vest, when to exercise options and when to sell. We project the impact before you act and coordinate with your CPA, who prepares and files your return.

  • Proactive multi-year tax projections
  • Equity compensation decisions: exercise timing, sale timing, withholding gaps
  • Capital gains planning and loss harvesting
  • Charitable giving strategies, such as donating appreciated shares or using a donor-advised fund
  • Retirement account planning, including contribution and Roth conversion analysis
  • Coordination with your outside tax professional

03

Retirement & Financial Independence

A grounded answer to ‘when could work become optional?’

Many of our clients aren’t planning to stop working at 65. They want to know when they could choose to, and what it would take. We build projections that reflect equity compensation, variable income and the life you actually want.

  • Retirement and financial independence projections
  • Retirement account strategies across 401(k), IRA, Roth and other accounts
  • Withdrawal planning and sequencing across account types
  • Retirement income considerations
  • Coordinating investment and tax decisions over decades, not just this year

04

Financial Planning

The decisions between the big ones, handled with the same care.

A plan isn’t a binder. It’s a set of decisions you revisit as life changes. We help you think through each one in the context of everything else.

  • Cash flow, savings targets and liquidity reserves
  • Insurance needs analysis (we don’t sell insurance)
  • Major purchases, including a home
  • Estate planning coordination with your attorney
  • Family financial priorities, including education funding
  • Career transitions, job offers and leaving a company with unvested equity

Example

How the pieces interact

A simplified illustration of the kind of question we work through with clients.

Hypothetical scenario

“A large RSU tranche vests in March. Should I sell?”

  • Tax: Was enough withheld? Does selling now change the bill? Usually little, since basis equals value at vesting.
  • Diversification: How much of your net worth is already in this stock, counting unvested grants?
  • Liquidity: Is a home purchase, tax payment or career change coming that needs cash?
  • Portfolio: Where should proceeds go to balance your allocation, and in which accounts?
  • Long-term goals: Does this move your financial independence timeline?

For illustration only. Not a recommendation for any individual.

Start with your equity. Stay for the whole plan.

See how we approach RSUs, ISOs, NSOs, ESPPs and concentrated stock in detail.

Learn About Equity Planning

Reliant Wealth Advisory, LLC does not prepare tax returns or provide legal advice; we coordinate with your tax and legal professionals. Investing involves risk, including the potential loss of principal. Tax-loss harvesting and other tax strategies may not be appropriate for everyone, and results are not guaranteed.