We Help Simplify Complex Compensation Structures

At a certain professional or career juncture, financial lives can become more complicated. This is particularly true for higher earners, executives, and those with complicated compensation packages. Developing perspective on how to think about various ‘buckets’ of wealth, thinking holistically about your financial assets, and developing a robust plan takes on greater importance. Especially as your unique financial complexities grow.

Having a strategy that incorporates your personal financial planning complexities and puts tax optimization in the front seat helps many folks weigh various trade-offs they face and develop a structure that works for them. How much risk you can and want to take is a key factor, as well as your employment expectations and lifecycle of the company you work for. 

Some common questions we help clients navigate include:

  • How much risk am I taking in my total portfolio including my concentrated positions?
  • How much of a tax bill am I willing to face (and over what time period) to reduce that risk?
  • Are the rest of my investment holdings properly complementing each other, such that I don’t have too many eggs in one basket?
  • Am I in the financial position where I could be thinking about legacy planning, charitable giving, or taking more risk with certain assets?

At Artemis, we have experience working with professionals from a variety of backgrounds and types of employment. Our ‘Complicated Compensation’ practice is led by Scott Gillespie, a Certified Financial Analyst who lives in Boston with his wife and two children and has seen the emergence of the Biotech and Tech industries locally create wealth complexity for many successful professionals.


Planning for Compensation Complexities

We are experts in many of the topic areas highly relevant to higher earners, executives, and those with complicated compensation packages:

Stock Compensation

  • Understanding the risk/reward of single stock concentration
  • Developing a tax efficient diversification strategy
  • Cost basis management
  • Optimizing for multiple types of holdings (ISOs, NQSOs, RSUs)
  • Public vs Private company considerations
  • 10b5-1 Plans

Investment Planning

  • Holistic approach to investment strategy development
  • Asset location (tax-deferred vs taxable account types)
  • Portfolio strategies to address and complement single stock concentration risk

Estate Planning

  • Is a Revocable Living Trust right for you?
  • Should you set up a Donor Advised Fund or Charitable Trust?
  • How should I think about gifting to family/children?

Cashflow management

  • Cash flow analysis
  • Budgeting

Career Management

  • How to think about your unvested options
  • Promotion packages

Planning for Compensation Complexities

We are experts in many of the topic areas highly relevant to higher earners, executives, and those with complicated compensation packages:

Stock Compensation

  • Understanding the risk/reward of single stock concentration
  • Developing a tax efficient diversification strategy
  • Cost basis management
  • Optimizing for multiple types of holdings (ISOs, NQSOs, RSUs)
  • Public vs Private company considerations
  • 10b5-1 Plans

Investment Planning

  • Holistic approach to investment strategy development
  • Asset location (tax-deferred vs taxable account types)
  • Portfolio strategies to address and complement single stock concentration risk

CAREER MANAGEMEnt

  • How to think about your unvested options
  • Promotions and evolving compensation packages
  • New job opportunities

 Cashflow management

  • Cash flow analysis
  • Budgeting

estate planning

  • Is a Revocable Living Trust right for you?
  • Should you set up a Donor Advised Fund or Charitable Trust?
  • How should I think about gifting to family/children?
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How We Serve Higher Earners, Executives, and Those with Complicated Compensation Packages

The financial planning complexity and portfolio nuances of a complicated compensation package requires more attention and consideration. As such, an out-of-the-box financial plan does not meet the needs of many folks in high tax brackets with concentrated positions, and whose circumstances often evolve from year to year. We have experience working with clients who are looking for a partner to help them navigate these challenges over time, and we enjoy the challenge of digging down to help our clients understand the choices they face, the trade-offs, and execute on their decisions.

CASE STUDIES

If It Sounds Like Artemis May Be The Right Fit For You,

WE ENCOURAGE YOU TO CONNECT WITH SCOTT GILLESPIE TODAY.