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Equity Compensation Planning | TCI Wealth Advisors

Equity compensation presents uniquely challenging planning opportunities. Whether you work at an early-stage company and are receiving Stock Options (ISO or NQSO), participate in an Employee Stock Purchase Plan (ESPP), or receive Restricted Stock Units (RSUs) as compensation, TCI has dedicated financial Advisors who can help. For instance, we guide employees and executives to make informed financial decisions. At the same time, we consider the complexities of their equity compensation situation. As a result, our clients move forward with greater clarity and confidence. In other words, we simplify a process that often feels overwhelming.

Optimizing Your Equity Compensation

In the 1990s, equity compensation’s popularity grew. However, its complexity created challenges for individuals aiming to maximize their benefit. Employers often use stock options to incentivize loyalty in hopes of a future payoff. Meanwhile, it is important to view your stock options and other forms of compensation as part of your overall financial plan. Therefore, understanding both the opportunities and the risks is essential for long-term success. Ultimately, thoughtful planning helps ensure equity compensation strengthens your financial future instead of creating stress.

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Equity Compensation Planning at TCI

Our Advisors start by teaching you about your equity and the impact it may have on your future. Then we learn your long-term goals and build a plan to help you achieve them. From there, we explore the impact of equity compensation on your taxes. As a result, you gain a clearer view of both benefits and risks. At TCI, we believe the most successful investors are those who understand their benefits inside and out. For more background, see our Equity Compensation 101 guide.

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A Holistic Approach

When you receive equity compensation, it can serve as the foundation of your financial journey. With this in mind, we take a holistic approach and consider equity compensation in every decision we make. In addition, TCI’s Advisors align your equity with your broader goals and create a roadmap that supports your purpose-filled life.

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A Customized Strategy for You

Your financial plan should be tailored to your equity compensation. We prioritize building deep relationships with our clients, so we understand your aspirations and tolerance for risk. In financial planning, there is no one-size-fits-all solution. Therefore, our goal is to be your trusted partner and help you achieve what matters most. Furthermore, resources such as the IRS guide for small entities and self-employed provide federal rules that support informed planning.

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Meeting You Where You Are

At TCI, we believe in accessible expertise. Our goal is to help you navigate the complexities of equity compensation and provide a meaningful investment experience that supports your goals. Ultimately, distance should never be a barrier to success. Our Advisors will provide tailored guidance and ongoing support, no matter where you are located.

Why Choose TCI as your wealth advisors?

By choosing TCI for your equity compensation needs, you’re partnering with a team of experts who will help create a tailored plan that aligns with your financial goals. Throughout this journey, you’ll experience TCI’s commitment to providing a best-in-class client experience through education, relationships, a comprehensive approach, and meeting people where they are.

Our Advisors are committed to ongoing education and staying informed of equity compensation trends. As a result, you’ll receive relevant solutions to your complex needs. In addition, our goal isn’t simply to manage your equity compensation; we want you to feel empowered to make informed decisions that can secure your financial future with confidence. Ultimately, this combination of expertise and support gives you both clarity and peace of mind.

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A team approach

At TCI, we work as a team to ensure that your needs are met and that your sustainable investment plan fits your wishes. We also make sure that you have every expert needed to help develop a plan that’s guided by your current (and future) cash flow. From estate attorneys to tax experts, we have a wide network of professionals here to support you.

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A fee-only firm

TCI is an independent, fee-only firm, which means that you’ll work with a dedicated team who knows your situation and accounts intimately. As a fee-only firm, you’ll have transparency on the fees associated with your plan, and you won’t have to worry that our advice is based on commissions or hidden fees.

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