Wealth Management Built for Employees with Stock Compensation
Do you love tracking new tax laws, market shifts, and legislative changes to figure out exactly how they affect your money?
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Most people don't. That's a big portion of what this work entails.
The other portion is judgment. Knowing which decisions are reversible and which ones aren't. Knowing when to act on an equity event and when waiting costs you. Knowing how a Roth conversion this year affects your tax bracket three years from now.
That's not something a spreadsheet tells you. It's what 15+ years of experience working through these situations looks like in practice.
And unlike most advisory firms, with SWP, you're not paying more for it every time your portfolio grows.
The Fee Model Most Advisors Don't Want You Thinking About
Most advisory firms charge 1% of your assets every year. As your wealth grows, so does the advisor's invoice, whether they did any more work or not.
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​Think about that for a second. Your accountant doesn't charge more because you got a raise. Your attorney doesn't bill higher because your house appreciated. No other professional service works this way. The 1% of fees model is the exception (not in a good way), and most people don't realize it until they do the math.
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At SWP, we charge a flat annual fee that covers both financial planning and investment management. When the market performs well, that growth belongs to you.​​
The chart below shows what that difference in fees paid looks like over 20 years. That gap isn't a rounding error. For many clients, it's a paid for college education, a vacation home, or years shaved off the timeline to financial independence.
How We Help You Decide If Working Together Makes Sense
1
Exploratory
Call
We’ll walk through your current situation, focusing on employer stock, taxes, and the financial decisions that feel most unclear or high-stakes right now.
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It’s a working session to understand whether there’s enough complexity to justify going deeper.
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By the end, we’ll align on whether creating a free 'Are You On Track' Snapshot would be a useful next step.
This call is zero commitment and zero cost to you.
2
Financial Snapshot & Strategy Session
The Are You On Track Snapshot is a concise, personalized financial overview designed to show you where you stand today, highlight the biggest planning opportunities, and identify the decisions that matter most over the next few years.
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​You’ll leave with clarity on next steps and a realistic sense of what working together would look like.
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3
Choose Plan & Onboard
If, after the Snapshot meeting, you decide you need more help, we’ll outline the appropriate planning engagement for you.
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At that point, you can decide whether to engage us for ongoing planning and implementation.
Most people start with the Are You On Track Snapshot to get clarity and decide whether an ongoing relationship makes sense.
To see what an ongoing relationship looks like in practice, you can review sample client plans below.
Guiding Employees At:
Packages & Pricing
Most of our clients come in knowing they're leaving money on the table somewhere. A vest event they didn't plan for, taxes they overpaid, or a decision they made under pressure.
The packages below cover both the ongoing planning and the investment management. One flat fee, no percentage charges, no surprises.
Wealth Building & Employer Stock Optimization
$8,000/per year*
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Flat annual fee (no % charges)
Employer stock planning Strategic evaluation of your RSU/PSU income, optimal ESPP approach, and ISO/NSO grant strategy to maximize value while balancing lifestyle needs. Includes proactive planning to mitigate tax liabilities from equity events, continuous year-round tracking of your total tax liability, and managing estimated payments to prevent underpayment penalties and eliminate cash-flow surprises in April.
Tax planning & optimization Guidance on optimizing contributions across tax-advantaged accounts (HSA, FSA, 401k) to lower your current year tax liability. Strategic asset location to place specific assets in the most tax-efficient accounts (e.g., holding high-growth assets in Roth and bonds in tax-deferred) to maximize after-tax returns over the long term. Execution of Backdoor Roth IRAs and Mega Backdoor Roth strategy (when available) to maximize after-tax retirement savings. Active monitoring of taxable accounts to harvest losses during market dips, creating a "tax asset" that can offset future portfolio gains.
Cash flow & debt management Budgeting, cash flow planning, and financial projections. A clear plan to manage debt efficiently so more of your income and equity compensation builds long-term wealth.
Investment management SWP "does it for you" portfolio management tailored to your unique situation. Incorporates tax-efficient strategies to maximize after-tax returns, including tax-loss harvesting, asset location, and tax-aware portfolio transitions. We largely utilize low-cost ETFs to maximize efficiency and minimize product fees. Note: Outsourcing investment management to SWP assumes adherence to our proprietary investment approach (our "model portfolios"). While clients may request additional customization outside of our approach, such custom modifications may command additional fees. Any additional fees will be discussed with clients in advance.
Insurance & estate planning Comprehensive review of existing insurance coverage, including life, disability, and property/casualty. Identify coverage gaps, recommend solutions, and align insurance with financial goals. Guidance around essential documents like wills, powers of attorney, revocable trusts, and healthcare directives, plus a beneficiary audit to align designations with your financial plan.
Additional value-adds Employee benefits review, charitable giving strategy, college planning, and accounting services coordination. We maintain a robust roster of tax partners with whom we work closely on your behalf, so you don't have to stay on top of all the fine details.
Wealth Decumulation & Retirement
Income
$10,000/per year*
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Flat annual fee (no % charges)
Retirement income planning Markets will always be noisy, tax laws will change, and there will never be a perfect time to retire. We help you rebuild the feeling of security that a regular paycheck gave you. This includes tax-efficient withdrawal strategies, navigating sequence of return risk, bridging the gap to Social Security, healthcare strategy, and stress-testing against market volatility.
Tax planning & optimization Strategic planning for managing tax rates across income brackets, including Roth conversions and income smoothing techniques. Active monitoring of taxable accounts to harvest losses during market dips, creating a "tax asset" that can offset future portfolio gains.
Cash flow & debt management Budgeting, cash flow planning, debt planning, and financial projections to ensure your spending aligns with your retirement income strategy and long-term sustainability goals.
Investment management SWP "does it for you" portfolio management tailored to your unique situation. Incorporates tax-efficient strategies including tax-loss harvesting, asset location, and tax-aware portfolio transitions. Our investments approach is calibrated for reliable income generation. We largely utilize low-cost ETFs to maximize efficiency and minimize product fees. Note: Outsourcing investment management to SWP assumes adherence to our proprietary investment approach (our "model portfolios"). While clients may request additional customization outside of our approach, such custom modifications may command additional fees. Any additional fees will be discussed with clients in advance.
Insurance & estate planning Comprehensive review of existing insurance coverage, including life, disability, and property/casualty. Identify coverage gaps, recommend solutions, and align insurance with financial goals. Guidance around essential documents like wills, powers of attorney, revocable trusts, and healthcare directives, plus a beneficiary audit to align designations with your financial plan.
Additional value-adds Employee benefits review, charitable giving strategy, college planning, and accounting services coordination. We maintain a robust roster of tax partners with whom we work closely on your behalf, so you don't have to stay on top of all the fine details.
​​*For high-complexity situations, the fee may be higher. We review your complexity annually. Our goal is to simplify your financial picture over time, which often means if your initial fee is higher, it could eventually come down. We'll confirm your fee before any engagement begins.
Project Based Plans
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Some financial decisions don't give you a second chance. Project-based planning can be the right solution for those moments.
Project-based plans cover a primary question or decision, worked through completely, before you act.
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Pricing: $450 per hour
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*Project-based plans are only offered for limited scope engagements. We don't offer hourly engagements for all-encompassing financial plans.
Focused Scope
A primary question or decision that you need help evaluating (not a comprehensive review of everything in your financial life).
Decision Analysis
Evaluate a major move, such as a sabbatical, early exit from work, or significant income change. These decisions are often life-altering and irreversible, so having an accurate analysis behind it is crucial.
Tax Event Planning Session (Most Requested)
​​An equity compensation event is coming and you need to understand your tax exposure before you act. The decisions made in the weeks before these events are often irreversible.