Every part of your wealth, working together.
Your equity, taxes, investments, real estate and retirement, managed as one plan by one adviser.
- CA Registered Investment Adviser
- Fiduciary
- Assets held at Charles Schwab / Altruist
- SIPC protection
A lot of moving parts. No one looking at the whole picture.
For busy executives and business owners, each part of their wealth usually sits with a different provider. Each one does their part. No one connects them.
- Equity compensationCompany stock portal
- Tax planningCPA, once a year
- InvestmentsBrokerage or robo-adviser
- Alternative investmentsRarely considered
- Private and pre-IPO stockHandled ad hoc
- Real estateMortgage broker
- Retirement planning401(k) provider
- Estate and insuranceAttorney and insurance agent
What falls through the cracks
- Taxes
Paying more than you need to.
- RSUs withheld at 22% when your real rate is 37% or more, plus state tax
- No multi-year plan for when to vest, exercise and sell
- Deductions left on the table: bunching charitable gifts, donor-advised funds, giving stock instead of cash
- Missed tax-advantaged savings: backdoor and mega backdoor Roth, cash balance plans for owners
- Capital gains taken with no losses harvested to offset them
- Stock options exercised without planning for AMT
- Risk management
Exposed in ways you haven't added up.
- Too much of your net worth in one company's stock: salary, RSUs, ESPP and options all tied to one employer
- A portfolio heavy in tech and AI, the same sector your career depends on
- Life and disability coverage that hasn't kept up with your income and family
- Umbrella liability coverage too low for your net worth
- A will, trust or beneficiary designations that are outdated, or missing
- No plan for a layoff, a down market or a business downturn
- Lost opportunities
Money not working as hard as it could.
- Too much cash sitting idle in checking and savings
- Old 401(k)s and forgotten accounts from past employers
- Duplicate investments: the same funds and stocks held across several accounts
- The wrong investments in the wrong accounts, creating avoidable tax drag
- Paying for funds and products that overlap or cost more than they should
- Selling appreciated stock for a big purchase when borrowing against your portfolio may cost less
Vanguard's estimate of what an adviser following wealth management best practices can add, compared with investors who go without.1 Most of it comes from planning and discipline, not from picking investments.
Vanguard notes the value is not earned evenly every year. It tends to arrive at key moments, such as market extremes or large financial decisions, and varies with each client's situation.
- Behavioral coaching1.50%
- Spending strategy (withdrawal order)0 to 1.10%
- Asset location0 to 0.75%
- Cost-effective implementation0.34%
- Rebalancing0.26%
- Suitable asset allocationSignificant; varies by investor
- Total-return versus income investingSignificant; varies by investor
Faded bars show a range that starts at zero. Source: Vanguard, Putting a value on your value: Quantifying Vanguard Advisor's Alpha (2019).1 Industry research, not InverseWealth results.
Small gains, kept invested, add up.
A tax bill avoided, a loss harvested, a withdrawal taken from the right account. On their own, each is modest. Coordinated and reinvested year after year, they build on one another.
Everything, in one plan.
- 01Equity compensation
RSUs, options and ESPP: when to sell, how much to hold and how to avoid a surprise tax bill at vesting.
- 02Tax planning
Multi-year tax projections, withholding, loss harvesting and charitable strategies, coordinated with your CPA.
- 03Investments
One diversified portfolio across every account, with direct indexing, asset location and disciplined rebalancing.
- 04Alternative investments
Liquid strategies that aim to hold up when stocks don't, so your wealth depends less on one market.
- 05Private and pre-IPO stock
Illiquid shares, tender offers and QSBS: planning before a liquidity event, not after it.
- 06Real estate
Buying a home or property without selling at the wrong time, including borrowing against your portfolio.
- 07Retirement planning
Maximizing tax-advantaged savings, including plans for business owners, and the order you draw on accounts later.
- 08Estate and insurance
Beneficiaries, trusts and coverage kept in step with your plan, working alongside your attorney.
One adviser. One plan. Kept current.
- 1Map everything
Every account, equity grant, property, policy and your last tax return, in one picture.
- 2Build one plan
Decisions sequenced across tax years, so each move supports the others.
- 3Coordinate
We implement the investments and work with your CPA and attorney on the rest.
- 4Keep it current
Vests, liquidity events, a new home or a tax law change: the plan updates with you.
See your whole picture in one conversation.
Bring your accounts, equity and goals. We'll show you where the parts connect and what may be falling through the cracks.
- Kinniry, Jaconetti, DiJoseph, Zilbering and Bennyhoff, “Putting a value on your value: Quantifying Vanguard Advisor's Alpha,” Vanguard research, February 2019. Vanguard estimates that following its Advisor's Alpha best practices can add about 3% in net returns, and states that the actual value added may vary significantly depending on client circumstances. These are Vanguard's estimates for advisers generally, not the results of InverseWealth or any InverseWealth client. Advisor's Alpha is a registered trademark of The Vanguard Group, Inc., which is not affiliated with InverseWealth.
InverseWealth does not provide legal or tax preparation services; we coordinate with your CPA and attorney. Examples are illustrative. All investing involves risk, including loss of principal.