Helping people like you plan for retirement

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Case Client: Sarah

Background: 35-year-old software engineer at a fast-growing startup in Austin

‍Life Stage: Mid-career, single, no children

Planning Problems

Confused about how to handle her RSUs and incentive stock options (ISOs)
Concerned about the tax implications of exercising options and selling shares
Overwhelmed by the idea of diversifying her growing portfolio tied up in company stock

Solution

I developed a tailored equity compensation strategy for Sarah, including

A timeline for exercising her ISOs to minimize the Alternative Minimum Tax (AMT) impact
A plan to gradually sell her RSUs and reinvest proceeds to diversify her portfolio
Clear guidance on how to use proceeds to max out her Roth IRA and HSA contributions

Outcome

Sarah reduced her tax liability by $18,000 over two years and diversified her portfolio to reduce risk. She now feels confident in her financial future and continues to work with me to monitor and adjust her strategy as her company grows.

The above case studies are hypothetical in nature and do not involve real client data. The above results should not be construed as a guarantee of any future results when engaged in financial planning or advisory services.

Case Client: David and Maria

Background: 38-year-old product manager and 36-year-old UX designer, married with two young children

‍Life Stage: Mid-career, dual-income household, recently purchased a home

Planning Problems

Struggling to prioritize saving for retirement, college, and paying off their mortgage
Unsure if they’re on track for retirement given their competing goals
No clear tax strategy despite both being high-income earners

Solution

I created a comprehensive financial plan that addressed their concerns:

Reviewed and consolidated their 401(k)s and IRAs to optimize investment allocation
Implemented a 529 plan for their kids’ college education, with annual contributions tied to their budget
Designed a tax-saving strategy, including Roth IRA backdoor conversions and increasing HSA contributions

Outcome

Within six months, David and Maria had a clear plan that allowed them to save $25,000 annually toward retirement and $10,000 toward their kids’ college while still paying extra toward their mortgage. They’re now on track to meet their long-term goals without feeling overwhelmed.

Case Client: James

Background: 40-year-old senior data scientist at a major tech company in Silicon Valley

‍Life Stage: Mid-career, single, recently received a large promotion and salary increase

Planning Problems

Earning over $400,000 annually but felt he wasn’t maximizing his savings or investments
Unsure how to best utilize additional income after maxing out his 401(k)
Wanted to ensure financial independence by 50 but didn’t know if it was realistic

Solution

I worked with James to build a financial independence plan, including:

Structuring a mega backdoor Roth IRA strategy to maximize his after-tax contributions
Redirecting surplus income into a diversified taxable brokerage account with a goal-oriented allocation
Modeling his financial independence timeline, including annual spending estimates and tax-efficient withdrawal strategies for early retirement

Outcome

James is now saving 45% of his income and projects financial independence at age 49. He feels confident knowing his investments and plan align with his long-term goals, and he’s thrilled to have clarity around his path to early retirement.