For Technology Professionals
Is your company stock a
$1M blind spot?
Most tech employees don't realize how exposed they are to company stock, taxes, and market risk until it's too late. We fix that.
Managing Wealth for Leaders at
The Tech Wealth Trap
The Complexity of Tech Wealth
Legacy financial advice isn't designed for the tech world. Between concentrated equity and high taxes, the old rules simply don't apply.
Concentration Risk
Your salary, your RSUs and your net worth are all riding the same single stock. That's one huge bet. One bad earnings call can set you back years.
Tax Shock
As a high-earning employee, you have the fewest tax loopholes. Without proactive planning, you're leaking hundreds of thousands of dollars to the IRS.
The Illusion of Diversification
You invest in the S&P 500 — which is currently 40% tech. When tech pulls back, your job and your portfolio both fall together. Your portfolio should help, not hurt.
Tech Sales VP · Late-Stage Startup
Jason's Story: The Fragile High-Earning VP Sales
The Situation
On paper, Jason was ahead. He was in his late 30s, a successful VP Sales, making $300,000 a year. He was aggressively investing and maxing out his 401(k). In reality, his wealth was fragile. He had zero emergency funds, massive concentration in tech stock and crypto, an unnecessary whole-life insurance policy, and he was bleeding money by contributing to a Roth 401(k) during his peak tax bracket.
The Strategy
We didn't do anything unnecessarily complex; we just fixed the foundation. We switched Jason to a Traditional 401(k) for immediate tax relief, built a strategic cash buffer, unwound his concentrated tech positions without giving up growth, and cleaned up hidden risks he didn't even know he had.
The Outcome
He saved thousands in immediate taxes and built a resilient portfolio. When the tech markets got choppy, his wealth held up. The biggest ROI? Jason stopped second-guessing the financial headlines and finally slept better.
“Jason saved thousands in taxes — and when the markets got choppy, his wealth still held up”
Client details have been anonymized. Results are not guaranteed and will vary based on individual circumstances. Past results do not guarantee future outcomes.
The Decision Calendar
Your financial life is a series of connected decisions.
Your financial picture is a system — each decision changes the answer to every other one. We manage the full calendar, not just the moments you remember to ask about.
Swipe to explore
▣Equity & Compensation
- ›RSU vest — sell, hold, or redirect, with lot selection
- ›ISO exercise timing against AMT exposure
- ›NSO exercise and ordinary income treatment
- ›ESPP qualifying vs. disqualifying disposition
- ›Sign-on bonus — supplemental withholding rate strategy
- ›Concentrated position unwinding without tax shock
- ›Secondary market sale of private company stock
- ›83(b) election window for restricted stock
- ›10b5-1 plan setup for executive-level holdings
▣Advanced Tax Planning
- ›Backdoor Roth — pro-rata rule, IRA rollover interactions
- ›Mega backdoor Roth — after-tax 401(k) conversion
- ›AMT planning — ISO spread, credit carryforward
- ›Tax-loss harvesting timed against vest income
- ›Estimated quarterly tax — safe harbor, underpayment avoidance
- ›Year-end income acceleration or deferral
- ›Roth conversion ladder — multi-year income planning
- ›Qualified Opportunity Zone reinvestment after equity sale
- ›Donor-advised fund timing in high-income vest years
▣Investment Management
- ›Active management of all investments
- ›Unified strategy across 401(k), brokerage and IRA accounts
- ›Active downside management that aims to limit losses during downturns
- ›Aim for long-term outperformance compared to benchmarks
- ›Specialized strategies for reducing concentrated stock positions in tax-neutral manner
- ›Portfolios customized to individual goals and tolerances
- ›Access to alternative investments, tax-aware investment strategies & accredited investment opportunities
▣Life & Family Events
- ›College planning — 529 superfunding, financial aid impact
- ›Home purchase — mortgage vs. investment tradeoff at your income
- ›Marriage — filing status change, income combining strategy
- ›Inheritance — stepped-up basis, inherited IRA rules
- ›Life and disability insurance — income replacement math
- ›Aging parents — financial support implications
- ›Estate plan — trust structures, beneficiary coordination
- ›Charitable giving — QCD, DAF, or direct gifting strategy
▣Career Transitions
- ›Job change — 401(k) rollover, option exercise window closing
- ›Layoff — COBRA decision, severance tax, NSO 90-day clock
- ›Promotion to executive — Section 16, blackout periods
- ›Going independent — entity structure, self-employment tax
- ›Pre-IPO join — ISO vs. NSO negotiation, early exercise
- ›Acquisition or merger — equity treatment, acceleration clauses
- ›Sabbatical — income gap planning, ACA coverage strategy
▣Retirement Architecture
- ›401(k) — traditional vs. Roth contribution decision each year
- ›Mega backdoor Roth eligibility and execution
- ›Deferred compensation (NQDC) — deferral and distribution timing
- ›IRA rollover strategy — when to consolidate, when not to
- ›Roth conversion window — optimal years before RMDs begin
- ›Social Security — early claiming vs. deferral math
- ›Medicare — IRMAA surcharge planning at high income
There's no better time to start than today. The complexity doesn't simplify with time — it compounds. Every quarter you wait, you leak wealth.
The Investment Edge
Your career is already a
tech bet. Your portfolio shouldn't be.
Most people think an S&P 500 index fund is all that you need. Here is the reality:
An index fund is not diversified for you.
Your income, equity and portfolio are often all tied to the same economic cycle.
Drawdowns destroy compounding.
A 30% loss requires a 43% gain just to break even. A 50% loss requires 100%.
Raw returns are an incomplete metric.
After-tax outcomes and risk management determine how much wealth you actually build.
The Asymmetry of Losses
The bigger the loss, the exponentially harder it is to recover.
Portfolio Growth: Active Defense vs. Passive
How losing less helps you come out ahead
Hypothetical illustration based on a $1M starting portfolio. Does not represent actual client performance or proprietary strategy. Active management does not guarantee profit or prevent loss. All investing carries risk including loss of principal. For illustrative and educational purposes only to demonstrate mathematical compounding concepts.
The InverseWealth Edge
We've sat in your seat.
Fintech algorithms can't advise you on your equity agreement. Traditional Wall Street firms don't understand how your compensation actually works.
Sumeet Ganju — Founder & Fiduciary
•One advisor, not a team
Other platforms route your questions to whoever is available. At InverseWealth, you work with one advisor who knows your complete picture — your vesting schedule, your tax exposure, your life goals. We think about your next decision between meetings, not just during them.
•Built for equity complexity, not account size
Most wealth managers define their clients by account size. We define ours by problem type. If your compensation includes meaningful equity — RSUs, ISOs, NSOs, or ESPP — you're the right fit. Whether that's $500K or $8M, the decisions are the same kind of hard. We're built for that complexity.
•Fiduciary, fee-only, zero commissions
No products to sell. No sneaky back-end commissions. Our only incentive is your outcome.
•Depth of attention that scales
We work with a deliberately limited number of clients. It's what makes it possible to understand your situation intimately — so we can give you a specific answer on a Tuesday morning when your vest hits.
You are smart enough to figure this out. But 'smart enough' is the trap. The question isn't whether you can build a spreadsheet or read the tax code — it's whether you have the time to do it while building your career.
Common Questions
Financial advice for tech equity, answered.
Do I need a financial advisor for my RSUs and stock options?
If a large share of your net worth sits in company stock, the answer is usually yes. A robo-advisor can run an index portfolio, but it cannot time RSU vesting, sequence ISO exercises against the AMT, or unwind a concentrated position tax-efficiently. A financial advisor for stock options and RSUs builds those decisions into a year-round plan. If you are not sure the complexity warrants it, here is how to tell whether you need a financial advisor.
What does a financial advisor for high-income earners actually do?
Beyond managing investments, a financial advisor for high-income earners coordinates tax planning, retirement-account selection, equity-compensation timing, and benefits so the moving parts work together instead of against each other. The cleanest version of this is a fee-only fiduciary, who is paid only by you and sells no products.
Should a high earner use a robo-advisor or a financial advisor?
Robo-advisors are inexpensive and fine for simple, fully diversified situations, but they only manage investments and set a static allocation from a risk questionnaire that does not adapt to changing markets. For equity compensation, a concentrated position, or a liquidity event, that is not enough. Our approach is active management focused on downside risk, paired with planning a robo cannot provide.
How is a fee-only fiduciary different for equity compensation?
Many advisors earn commissions on the products they recommend, which creates pressure to push a particular fund or insurance product. A fee-only fiduciary has no such incentive, so the advice on whether to sell, hold, hedge, or diversify your company stock is built around your situation, not a sales target.
When should a tech professional get a financial advisor for stock options?
The trigger is complexity, not a dollar threshold: a large vesting event, an IPO or tender offer, a single stock above roughly 20% of your net worth, or an unusually high tax year. Any of these can move your outcome by six figures, and they are exactly the moments a robo-advisor cannot help with.
Pricing
Flexible engagement models
Choose how you’d like to work with us, based on the complexity of your situation.
One Time Plan
Starting at $2,500 Flat Fee
A focused diagnostic for a specific decision or milestone
Comprehensive Planning
Starting at $5,000 Annually
Ongoing full-service partnership — scoped to your complexity
Investment Management
Customized based on AUM
Active portfolio management across all accounts
Pricing is customized based on complexity. Discussed during consultation.
Ready to convert your
compensation into wealth?
We start from where you are — not where you should have been. Here’s how the engagement begins.
We review your situation and determine if there’s a fit
We map your exposure, tax picture, and full financial picture
We show you what we found, what it’s costing you, and how we’d fix it
Complimentary intro call. No obligation. No pressure.
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