Equity Compensation

For Tech Professionals

Strategies for engineers, operators, and executives with concentrated equity compensation — RSUs, ISOs, NSOs, and the planning decisions that come with them.

What You're Navigating

The decisions specific to your situation.

Concentration risk

When 70%+ of your net worth lives in one employer's stock, every quarterly earnings call is a financial event in your life. We design unwind plans that don't require a crystal ball.

RSU vesting + the tax surprise

RSUs vest as ordinary income whether you sell or hold. A coordinated sell-down strategy keeps the IRS from being the largest beneficiary of your equity grants.

ISO / NSO decision math

Exercising ISOs early can trigger AMT — and being wrong is expensive. NSO exercises create their own ordinary income hit. Both deserve a plan, not a guess.

Golden handcuffs and life moves

Unvested equity makes leaving — for a sabbatical, a new role, your own startup — feel impossible. We map what's actually at stake and what's actually replaceable.

How We Help

What planning looks like, specifically.

01

Coordinated equity strategy

A written plan covering vest dates, sell vs hold decisions, exercise timing, and tax impact — refreshed as your employer and the market move.

02

AMT modeling

ISO exercises run through a tax projection before you click. We coordinate with your CPA so the AMT story is part of the decision, not an April surprise.

03

Concentration unwind plans

10b5-1 plans, structured sell-downs, charitable strategies, and exchange funds — all evaluated against your specific situation, time horizon, and tax picture.

04

Retirement that includes equity

Your retirement plan can't pretend the equity doesn't exist. We integrate vested holdings, future grants, and concentration risk into the broader strategy.

A Recent Example

What this can look like in practice.

A senior engineer at a public-cap tech company comes to us with $1.2M in vested RSUs, $400K in unexercised ISOs, and a job offer at a private startup. Inside 90 days we map an exercise + sell strategy that nets a six-figure tax savings, fund a Roth conversion in a partial-income year, and clarify exactly what equity becomes worth leaving — and what doesn't.

Hypothetical illustration — not a guarantee of results.

Built For You

Let's see if Sweet Wealth Advisors is built for someone in your situation.

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