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Wealth management
Wealth Management
Most tech execs I meet have built real wealth. RSUs, super, a valuable home, maybe a share portfolio.
What they don’t have is one plan that makes it all work together. That is what wealth management means to me.
General information only. Not personal advice.
How I work
What a wealth management firm should do for you
Wealth management isn’t just picking investments. It’s deciding what your money is for, then building the structure, the cash flow and the portfolio to get there.
For my clients that usually means four things working together:
- A clear goal. Usually $15K to $25K a month of income, and the date work becomes optional.
- The right structure. What sits in super, in your name, your partner’s name or a family trust.
- A diversified portfolio. Built to last decades, not to chase this year’s winner.
- Regular reviews. Your plan changes as your income, vests and goals change.
It starts with the Early Retirement Blueprint. Then my Personal CFO service keeps it on track year after year.
Concentration risk
Too much of your wealth in one tech stock?
This is the most common thing I see. Every vest adds more of the same company. Before long, half your net worth rides on one share price.
That feels fine while the stock is rising. It feels very different when it falls 40% in a year, and your job is tied to the same company.
How I help you diversify
- A multi year sell down plan, so you don’t trigger one huge tax bill
- Rules for each vest, decided before the vest date, not on the day
- Reinvesting RSU proceeds into a diversified portfolio
- Using super, a lower income partner or a trust where it makes sense
The free RSU Playbook covers the full strategy, including my 33% rule.
Your balance sheet
Make your home equity and cash work harder
Plenty of high earners have $1M or more sitting idle in their home. Meanwhile their home loan interest isn’t tax deductible.
Strategies like debt recycling can turn that lazy balance sheet into an investment portfolio, with part of the interest coming back at tax time.
It isn’t right for everyone. Borrowing to invest magnifies losses as well as gains, so we model it carefully first.
Client example
Seeing this in practice
A VP at a global tech company, mid 40s. $3.8M in company shares, a $5M home with no loan, and no tax deductions at all.
His question was simple: “All my wealth is in one stock. What should I do to diversify?” We built a plan to reduce the concentration, put his equity to work and model $25K a month of retirement income.
Read the full case study or browse all case studies.
Results depend on your circumstances. Details changed for privacy.
83 LinkedIn recommendations
What clients say on LinkedIn.
Questions
Frequently Asked Questions
What does a wealth management firm do?
It brings your investments, tax, super, debt and protection into one plan, then manages it over time. The aim is not just a bigger portfolio. It’s income you can live on, on your timeline.
How do I diversify out of my company stock?
Usually gradually. A multi year sell down plan spreads the capital gains tax across years, and each vest gets a rule decided in advance. The right pace depends on your tax position and goals.
What should I do with my RSU proceeds?
That depends on your goals, your debt and your structure. Common options are paying down non deductible debt, adding to super, or investing in a diversified portfolio. Decide before the vest, not after.
What is the difference between a wealth manager and a financial adviser?
The terms overlap. In my case, I give personal financial advice and then stay with you to manage the plan over time, rather than writing a one off plan.
How often should a wealth plan be reviewed?
At least once a year, and whenever something big changes. A promotion, a large vest, a new home or a change in goals can all shift the plan.
Make it all work together
Ready for one plan for all your wealth?
15 minutes. No cost, no obligation.
