Wealth Builders
Wealth Builders — Planning for High-Income Professionals
Planning for high-income earners building wealth through tax strategy, equity compensation, and disciplined investing — usually 10 to 25 years from retirement.
Wealth Builders are the households still inside their peak earning years — typically 35 to 55, high W-2 income, meaningful equity compensation, and the financial complexity that comes with it. The decisions made in this window define what retirement looks like at 60.
The Wealth Builder track is built on three observations. First, the financial planning industry under-serves the household between $250K and $2M of investable assets. Too complex for robo-advisors. Too small for traditional wealth managers. Second, the highest-leverage decisions for this household are tax and equity-comp decisions, not investment decisions. Third, the value of starting planning in your 40s instead of your 60s is measured in decades of compounded after-tax returns — and it never gets repaid.
We work with households across tech, healthcare, law, consulting, and dual-earner professional households who fit this profile. The engagement scales with the balance sheet. The planning depth scales with the complexity. And the goal is a relationship that survives the transition into retirement, so the household never has to start over with a new advisor at exactly the moment planning matters most.
What We Coordinate
- Equity compensation strategy (RSUs, ISOs, NQSOs, ESPP)
- Tax planning across high-income years
- Savings velocity and asset location across account types
- Mortgage and real estate balance-sheet decisions
- Investment plan calibrated to your time horizon and risk tolerance
- Long-term retirement income modeling
Our Services
Related Reading
Frequently Asked Questions
Do you work with people who are still 15+ years from retirement?
Yes. Wealth Builder planning is specifically built for the 35-55 window — the decisions you make in your peak earning years are the ones with the longest runway to compound. Early is better.
I have RSUs vesting next year — should we wait until after they vest to start planning?
No, that is exactly the moment planning matters. Sell-at-vest discipline, withholding shortfall management, AMT exposure on any held ISOs, and concentration management all benefit from a coordinated framework before the vest event, not after.
Is there a minimum to work with you under the Wealth Builder track?
There is no published minimum, but most Wealth Builder engagements start at $250K-$500K of investable assets plus meaningful equity compensation. We will tell you in the initial conversation whether the engagement makes economic sense for your household at this stage.