Frisco and Prosper are among the fastest-growing and youngest high-income communities in the Dallas–Fort Worth metroplex — fueled by corporate relocations, a booming tech presence, and families building serious wealth earlier than any generation before them.
At Intentional Living Financial Planning, we work with Frisco and Prosper families who are navigating the financial complexity that comes with rapid wealth accumulation — RSUs vesting on aggressive timelines, non-qualified deferred compensation decisions, high-income tax exposure, and the challenge of directing six- and seven-figure cash flows with intention rather than inertia.
We are a fee-only, fiduciary firm based in New Braunfels, serving Frisco and Prosper families virtually and throughout the DFW metroplex.
Stock Compensation Planning
If you work for one of the companies that has relocated to or expanded in the Frisco corridor, there is a good chance your compensation includes restricted stock units, incentive stock options, employee stock purchase plan shares, or non-qualified stock options. Each of these carries distinct tax treatment, vesting mechanics, and planning opportunities that most advisors do not understand at the level required.
We help you build a multi-year strategy around your equity compensation — managing AMT exposure from ISOs, timing RSU sales to minimize tax drag, coordinating ESPP elections with your broader investment plan, and building a diversification timeline that reduces concentration risk without triggering unnecessary tax liability.
Stock compensation is not a bonus — it is a core component of your wealth. We treat it that way.
401(k) and Non-Qualified Deferred Compensation Planning
High-earning professionals in Frisco and Prosper often have access to both 401(k) plans and non-qualified deferred compensation (NQDC) plans — and the decisions you make about contribution levels, Roth versus pre-tax allocations, and distribution timing can have a six-figure impact over your career.
We model the long-term tax implications of each option, project your future income trajectory, and help you make contribution and distribution elections that align with your broader financial plan. For NQDC plans specifically, we address the unique risks — including employer credit risk and irrevocable election timing — so you are making informed decisions rather than guessing.
The goal is not to maximize deferrals for their own sake. It is to coordinate every retirement savings vehicle into a cohesive strategy that serves the life you are building.
High-Income Tax Planning
When your household income exceeds $400,000, $500,000, or $1 million, the tax code stops being simple. You are dealing with phase-outs, the net investment income tax, AMT exposure, and a marginal rate environment where every dollar of income and every deduction matters.
We build multi-year tax projections that account for your salary growth, equity vesting schedules, deferred compensation distributions, and investment income. From there, we identify opportunities — Roth conversions in lower-income years, tax-loss harvesting across taxable accounts, charitable giving strategies that reduce AGI, and timing decisions that shift income into the most favorable windows.
Tax planning is not something we bolt on at year-end. It is woven into every recommendation we make throughout the year.
Cash Flow Management for High Earners
One of the most common challenges we see in Frisco and Prosper is the gap between income and intentionality. Families earning $300,000, $500,000, or more per year often feel like they should be further ahead than they are — and the reason is almost always lifestyle creep that outpaced their planning.
We help high-earning families build a cash flow framework that directs income intentionally — toward savings, investments, debt reduction, and the lifestyle categories that genuinely matter to them. This is not about restriction. It is about making sure your money is going where you actually want it to go, rather than disappearing into a lifestyle that grew without a plan.
When your cash flow is aligned with your values, everything else in your financial plan gets easier.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — stock compensation planning, 401(k) and deferred compensation optimization, high-income tax strategy, cash flow management, investment management, estate planning, charitable giving, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.