Innovative planning, Stock Based Compensation solutions and investment strategies for long term success
01Plannetics Financial™
Planning, Built Around You
Every client’s financial path is different. Your plan should be too. We create an RSU strategy that balances your income today and your long term goals, so you can make informed decisions with confidence.
We help you manage your stock-based earnings while keeping your tax obligations in check. Our calculated approach creates exit strategies that reduce tax, encourage diversification, and fund long-term goals.
We help you manage stock options (NSO, ISO), restricted stock (RSU, ESPP), and deferred comp (NQDC, retention bonuses) while considering vesting schedules, blackout dates, and concentration risk for smarter wealth planning.
“Financial success is about balance, rhythm, and harmony. Our goal is to help you achieve confidence in a plan that aligns with your values, hopes, and decisions.”
— Mike Smith, Sr. Financial Planner, CRPC®
The DNA of Your Financial Planning Journey
Define
It starts with understanding what matters most to you. Your goals, your priorities, your future.
Plan
Using deep expertise and cutting-edge tools, we design a 360° financial strategy aligned with your ambitions.
Act
We handle the details—streamlining paperwork, setting up accounts, and putting your plan in motion.
Align
Regular check-ins ensure your financial plan keeps pace with market shifts and life changes.
Refine
We continuously track your plan’s performance, making strategic adjustments when needed.
Can I consolidate all of my accounts so I can see everything in one place? +
Yes, we all have dozens of logins. We help clients organize and track their financial accounts in one centralized view.
Am I On Track for Retirement and My Other Goals?+
We take the guesswork out of how much to save towards retirement, but not at the detriment of your current lifestyle.
What Do I Do With My Company Stock?+
Hold, Buy, Sell, or Protect. We provide education first, so you can make informed decisions about your shares.
What are my options for college savings plans?+
GET Plans, 529s, and other government programs all have pros and cons.We evaluate your goals, timeline, and available options to determine the best approach for funding education expenses.
Can You Help Me With My 401k?+
Pre-Tax, After-Tax and Roths. We help you choose which funds to select and why.
What are the tax consequences when I sell and/or vest my RSUs? +
The tax treatment for RSUs depends on factors such as your vesting schedule, holding period, and state you live in.
Do I Have Too Much Of My Net Worth In Company Stock?+
FOMO. Many clients have a fear of missing out on the next big run. How much is enough?
How do I max out my company benefits, including back-door Roth, deferred comp, and insurance programs? +
There are a ton of options; it’s alphabet soup. We analyze your full benefits package to be sure you are making the most of what you’re offered.
Our clients trust us with their future.
We bring over 40 years of combined experience to building trusted relationships that span generations. Let our Plannetics team transfer your financial stress onto our shoulders and provide you with real confidence and assurance in your financial growth and confidence.
"The financial impact I’ve made in my clients’ lives continues to fuel my passion for goals-based financial planning. Continual personal service and customized advice – combined with an educational approach that helps clients understand and make informed choices – is the recipe for great relationships."
