Financial Planning For Tech & Biotech Professionals
If you work in tech, biotech, or media, your compensation and financial life probably don't look like the standard advisor playbook. Between RSUs, ISOs, ESPP shares, and a high but sometimes unpredictable income, the usual generic advice doesn't fit. I work specifically with tech and biotech professionals in San Mateo and the Bay Area to build a financial plan around the way your compensation and career actually work.
What I Help Tech and Biotech Professionals with
Equity Compensation Strategy
RSUs, ISOs, NQOs, and ESPP shares each come with their own tax rules and timing decisions. I help you build a plan for exercising, selling, and diversifying — before a vesting event forces a decision you haven't thought through.
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Investment Management
I build a portfolio around your full financial picture, including the equity compensation you already hold, with an eye toward tax efficiency and appropriate risk management.
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Tax Planning
High earners in tech often have some of the most complex tax pictures around — AMT exposure, RSU withholding gaps, and concentrated capital gains. I build tax strategy into your plan year-round, not just at filing time.
Learn more about Tax Planning →
Company Benefits Optimization
From 401(k) matching to ESPP enrollment, I help you make sure you're capturing the full value of your equity compensation and benefits package.
Family & Education Planning
For growing families, we help design a college savings plan and make sure your day-to-day spending and long-term goals are both accounted for.
Liquidity Events
Whether it's an IPO, acquisition, or secondary sale, a liquidity event changes your financial picture overnight. I help you plan for it in advance — not scramble after the fact.
Is This You?
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You work in tech, biotech, or media and receive equity compensation
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You're focused on managing your current and future tax bill
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You want your investments aligned with your actual goals and time horizon — not a generic model
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You're married with children and balancing growing family expenses with long-term planning
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You earn over $250,000 annually, or you've had a recent liquidity event
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You can save over $3,000/month, or you've had a large liquidity event (stock sale, inheritance)
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You need help setting up or managing a college savings plan
Why Tech Professionals Work With Me
Generic financial advice often misses what actually matters for tech employees: concentrated stock risk, AMT traps, and compensation that doesn't look like a steady paycheck. I focus specifically on these issues, so the plan we build reflects how your compensation and career actually work — not a one-size-fits-all model.
Want a financial plan built around how your compensation actually works?
Frequently Asked Questions
I just got a big RSU vest — what should I do with it?
It depends on your tax bracket, existing concentration in company stock, and overall goals. In general, many advisors recommend diversifying out of vested RSUs to reduce single-stock risk, but the right move depends on your specific situation.
My company is going through an IPO. How should I prepare?
IPO preparation involves understanding lock-up periods, modeling potential tax outcomes, and planning diversification ahead of time — ideally well before shares become liquid. I help clients think through this in advance.
I have ISOs and I'm worried about AMT. What can I do?
AMT exposure from ISO exercises depends on your specific numbers — how many shares, the spread between strike price and fair market value, and your other income. I model your scenarios to help you understand the tradeoffs before you exercise.