Intentional Executive
Financial Planning for Corporate Executives
Your pay comes in pieces: salary, bonus, equity, and deferred compensation. Based in New Braunfels, Texas and serving executives nationwide, we help you bring those pieces into one plan for the life you want after the job.
What We Help With
From Your Next Vest to Your Last Day at Work
Executive compensation creates a steady stream of decisions with tax rules and deadlines attached. We help you make them on purpose.
Equity Compensation Strategy
RSUs, incentive and nonqualified stock options, and ESPP shares each follow different tax rules at grant, at vest or exercise, and at sale. We map when each decision comes up and what it costs, so you aren’t deciding under a deadline.
Concentrated Stock
When a large share of your net worth sits in one company’s stock, we build a plan to reduce that risk over time, without letting taxes alone decide the timing.
Deferred Compensation Elections
A deferred compensation plan can be a valuable tax tool, with real trade-offs: the election is generally due before the year you earn the pay, the money stays exposed to your employer, and the payout schedule is hard to change. We model whether to defer, how much, and how to take it out.
Tax Planning
Multi-year projections that coordinate bonuses, vesting, option exercises, and your workplace plan’s Roth and after-tax options, so high-income years don’t create avoidable tax.
The Retirement Transition
Leaving a senior role brings a cluster of one-time decisions: final equity and bonus payouts, deferred compensation distributions, health coverage until Medicare, and the lower-income years that often follow. We plan them as one sequence.
Investment Management
Goals-based portfolio management built around your company stock and workplace accounts, so your whole balance sheet is diversified, not just the part we manage.
Charitable Giving
High-income and large-vest years are often the best years to give. We help time gifts of appreciated stock and donor-advised fund contributions so your generosity and your tax plan work together.
Family & Legacy
Money decisions ripple across generations. We hold family meetings with your adult children, help you and your aging parents talk through what’s ahead, plan the gifts you want to make while you’re living, and help prepare the next generation for what they’ll inherit.
Our Approach
Your Career Built the Wealth. Your Plan Decides What It's For.
Executive pay arrives on its own schedule. A bonus in March, a vest in May, an option grant that expires in a few years, and a deferral election due before the year even starts. Each piece carries its own tax rules, and the decisions tend to land during the busiest stretches of your career.
We bring those pieces into one plan. We start with what you want your life to look like, including when work becomes optional, and then sequence the equity, deferral, and tax decisions around it. Nothing is decided in isolation, because a vest, a bonus, and a Roth conversion can all land in the same tax year.
Whether you're in Austin, Dallas, Houston, or anywhere in the country, we work with you directly and coordinate with your CPA and estate attorney.
Who Is This For
Built for Corporate Executives
This is for senior leaders and professionals whose compensation includes equity, bonuses, or deferred pay, and who want those pieces working toward a clear plan.
- Your compensation includes RSUs, stock options, ESPP shares, or deferred compensation
- A large share of your net worth is in your employer’s stock
- You’re within a few years of stepping back, or you want work to become optional
- You want one advisor coordinating with your CPA and estate attorney
Free Guides
Free Guides for Executives
Free PDF Guide
The Stock Compensation Guide
RSUs, ISOs, NSOs, and ESPP: how each is taxed across the three tax moments (grant, exercise or vest, and sale), plus AMT, 83(b), and NUA.
Get the guide →Free PDF Guide
The Roth Conversions Guide
When conversions win, how to size each year's conversion, the five-year clocks, and the IRMAA and subsidy trade-offs, all in one plain-English PDF.
Get the guide →Free PDF Guide
The Charitable Giving Guide
Tax-smart generosity: donor-advised funds, bunching, appreciated stock, QCDs, and the 2026 rules that change the math of giving.
Get the guide →FAQ
Common Questions From Executives
RSUs are taxed as ordinary income when they vest, and your cost basis becomes that day’s value, so selling right away usually adds little or no extra tax. Holding vested shares is much like using a cash bonus to buy your employer’s stock. Many people sell at or near vest. If you hold, we lean toward doing it on purpose, with a set limit on how much of your net worth sits in company stock.
It depends on the gap between your tax rate now and when the money comes back, how long it stays deferred, and how much of your wealth already depends on your employer. Deferred pay is an unsecured promise from your employer, and the election is generally due before the year you earn the pay. We lean toward filling your 401(k) and an emergency reserve first, and deferring less when your exposure to your employer is already large.
Nonqualified stock options create ordinary income when you exercise. Incentive stock options can qualify for long-term capital gain treatment if you meet the holding-period rules, but exercising and holding them can trigger the alternative minimum tax. That is why an ISO exercise usually deserves a tax projection first.
Common tools include selling gradually over several tax years, giving appreciated shares to charity or a donor-advised fund, and harvesting losses elsewhere to offset gains. The right mix depends on your cost basis, your tax bracket, and how much risk the position carries.
Yes. We coordinate with your CPA on year-end projections and the timing of equity and deferral decisions, and with your estate attorney on how your plan and your documents fit together.
Related Insights
Go Deeper
Stock Compensation 101: RSUs, ISOs, ESPP, and What You Need to Know
A plain-English guide to the most common types of stock compensation. How each one works and how each one is taxed under 2026 rules.
Read more →Nonqualified Deferred Compensation: How NQDC Elections Really Work
How NQDC plans work: the deferral election due by year-end, the distribution choice that matters more, the 409A rules, the taxes, and the Texas move.
Read more →Diversifying a Concentrated Stock Position: Managing Risk Without Letting Taxes Run the Show
Holding too much in one stock? How to diversify a concentrated position in 2026 — managing the tax cost without letting the tax tail wag the planning dog.
Read more →Make Your Compensation Work for Your Plan
Schedule a complimentary introductory conversation to talk through your equity, your deferred pay, and what you want work to look like in the years ahead.
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