Working Professionals

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Professionals in their peak earning years face a unique set of financial pressures — and opportunities. Here's what we hear from clients like you, and how we can help.

What keeps you up at night

• Unsure whether your savings rate is actually keeping pace with your income growth
• Equity compensation — RSUs, stock options, ESPP — sitting unmanaged in a single employer's stock
• No clear plan for what happens if you leave, are laid off, or want to retire early
• Carrying substantial student loans alongside a mortgage while still trying to invest

How we help

• Cash flow analysis that benchmarks your savings against realistic retirement timelines
• Equity compensation strategy — when to exercise, when to sell, and how to diversify tax-efficiently
• Scenario modeling for career transitions, sabbaticals, or early financial independence
• Integrated debt paydown and investment prioritization frameworks

Most firms hand you off to an outside accountant at tax time. We don't. Our in-house CPA works alongside your financial planner year-round — so your investments, income, and tax outcomes are always coordinated, never siloed.

What high earners face

• Income thresholds that phase out Roth IRA eligibility, deductions, and credits
• Large capital gains events from equity compensation, real estate, or a business sale
• Getting conflicting advice from a financial advisor and a separate CPA who don't talk to each other
• Filing complexity — multiple states, self-employment income, or household employees

How our in-house CPA helps

• Tax preparation handled in-house — no coordinating with a third party at deadline time
• Proactive, year-round tax planning built directly into your financial plan
• Roth conversions, backdoor strategies, and asset location optimized with full visibility into your return
• Real-time guidance on equity comp — exercise timing, withholding, and estimated payments — before you make a move

Career growth rarely happens in isolation — it arrives alongside marriage, children, aging parents, and shifting priorities. We help you plan for the full picture.

What clients are navigating

• Balancing saving for retirement with funding children's education
• Providing financial support to aging parents without derailing your own goals
• No estate plan, life insurance review, or disability coverage in place
• Managing finances across two high-earning spouses with different risk tolerances and timelines

How we help

• 529 planning integrated with your overall investment and tax strategy
• Family financial conversations and guidance for multi-generational planning
• Insurance needs analysis and coordination with estate planning attorneys
• Shared financial planning for couples — aligned goals, honest tradeoffs