Great at running a business. Not at her own money.

Sarah was 47 when she came to see me.

COO of a global SaaS company. Just over $700K a year. RSUs across three grant cycles.

In our first meeting, she said something I hear a lot.

“I’m great at running a business. But when it comes to my money, it just keeps sitting there. I know I should be doing more. But I’m flat out.”

Sarah was not careless with money. She was busy.

At work, everything had a plan, an owner and a review. Her own wealth had none of that.

That is not a money problem. Nobody was running it.

Here is what we built

One: we mapped every RSU. Each grant. Each vesting date. The share price. The tax hit on every vest.

Two: a six year sell down plan. Lock in value as it vests. Cut the risk of having everything in one company. Spread over years, not dumped in one hit.

Three: we put the proceeds to work. Every sale went into a structure built to pay her an income. Projected retirement income: $18,000 a month.

Four: we tested it. We ran the simulations to see when she could stop. The answer was 56.

Not someday. Not when things calm down at work. 56.

We didn’t throw darts at the market. We built a system.

Why I’m telling you this

If you run teams, budgets and targets all day, your own money probably gets the least attention.

Not because you don’t care. Because nobody is running it.

Read more: retirement planning for tech executives, or see more client case studies.