Not Sure How to Maximize Your Equity Compensation?
For many corporate executives, equity awards like stock options and RSUs are a significant part of their compensation—but managing them effectively is anything but simple.
Without a clear strategy, you could face unexpected tax bills, missed financial opportunities, and overexposure to a single stock. Our goal is to help you unlock the full value of your equity compensation through strategic planning tailored to your personal and professional life. You’ve earned it, now make the most of it
Empowering You to Make the Most of Your Equity
- Award Education & Strategic Guidance: We demystify your equity awards—whether RSUs, ISOs, NSOs, RSA, and PSUs—so you understand what you own, what it’s worth, and how to use it wisely.
- Tax-Smart Exercise & Sale Strategies: We help you time the exercise and sale of your stock options in a way that aligns with your financial goals and minimizes your tax exposure.
- Diversification & Risk Management: Reduce the overconcentration of company stock through thoughtful diversification strategies designed to protect your wealth and expand your opportunities.
Equity Compensation Planning Built Around You
- Custom 10b5-1 Plans: We design tailored 10b5-1 trading plans that allow you to sell shares systematically—while complying with SEC regulations and avoiding the appearance of insider trading.
- AMT & Multi-Year Tax Planning: We model and plan for the Alternative Minimum Tax and other complex tax outcomes over multiple years to avoid surprises and keep more of what you earn.
- Charitable & Legacy Planning: Incorporate equity awards into your broader giving and estate plans. From gifting appreciated stock to donor-advised funds, we help you use your equity to make a lasting impact—while potentially eliminating capital gains and maximizing your charitable tax deduction.
- Tax Strategies: Because equity awards often have a low-cost basis, taxes can take a big bite out of your gains. That’s why we integrate a tax strategy alongside your wealth strategy—leveraging tools like direct indexing, tax-loss harvesting, exchange funds, and timing sales to help reduce and defer taxes wherever possible.
- Securities-Based Line of Credit (SBL): Need access to liquidity without selling your shares? An SBL lets you borrow against the value of your equity portfolio—without triggering a taxable event. Clients often use SBLs to fund home renovations, pay tuition, start or expand a business, purchase real estate or luxury items, or cover unexpected expenses like natural disaster repairs or tax obligations.
- Rule 144 Transactions: If you’re a corporate insider, we provide guidance for navigating Rule 144 restrictions and handling controlled stock sales compliantly and efficiently.
- Integrated Wealth Strategy: Equity awards shouldn’t exist in a vacuum. We integrate them into your complete wealth plan; factoring in retirement, estate, tax, and family goals for a comprehensive approach.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Be sure to contact a qualified professional regarding your particular situation before making any investment or withdrawal decision.
