Financial Planning for Small Business Owners & Successful Professionals

Build lasting wealth with tax-smart investing, strategic planning, and transparent fees.

Plan Today for a Successful Tomorrow

For executives, small business owners, and professionals seeking guidance in managing and growing their wealth. Whether you’re advancing your career, running a successful business, or balancing both, your financial life is often complex and fast-moving.

We recognize that life rarely follows a straight line—market shifts, business changes, and personal milestones all shape your financial landscape. We help you plan for what you can control, build flexibility for what you can’t, and stay focused on your long-term security.

How We Help:

Major purchase & liquidity event consultation
Estate and trust planning
Insurance and risk management coordination
Employee and owner benefits strategy

401(k), SEP, and Solo 401(k) setup & oversight for small businesses
College education planning
Tax diversification & integrated business-personal tax planning

Investment management
Wealth accumulation plans
Retirement planning & practice/business exit strategy
Equity compensation (RSU, ISO and NSO)
Net worth tracking

Altruist Wealth Management diagram showing financial planning process: goals, risk, taxes, estate, cash flow, and investments

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“Do the right thing, do it the right way, and do it right now.”

— Gerard O’Reilly, PhD

Mid-Career Professional Case Study

From Stock Overload to Financial Independence: How Sarah Built a Tax-Efficient Plan for the Future

Overview:

Sarah always knew her RSUs were valuable, but as her company’s stock price soared, she found herself in a tricky spot—most of her wealth was tied to a single stock.

She worried about the risks of a downturn but hesitated to sell because of tax implications from RSU vesting and stock option exercises. With financial independence on the horizon, Sarah wanted a clear strategy to reduce risk, manage taxes, and transition from wealth accumulation to early retirement planning.

Challenges:

Too Much Wealth in Company Stock – She felt uneasy knowing a market downturn could erase years of gains.
Complicated RSU & Stock Option Taxes – Selling at the wrong time could trigger an unnecessary tax bill, reducing the value of her hard-earned gains.
Shifting Mindset from Growth to Security – She wanted to protect her wealth while still growing it responsibly.

Solutions:

Diversification Strategy – Developed a tax-smart approach to gradually sell company stock and reinvest in a diversified portfolio aligned with her financial independence goals.
Tax Coordination – Worked with her CPA to optimize RSU vesting and time stock option exercises to manage tax liability while avoiding AMT pitfalls.
Financial Independence Roadmap – Built a clear plan using Monte Carlo simulations to determine how and when she could reach early retirement with confidence.

Results:

Reduced Stock Concentration Risk – Reallocated $500,000 from company stock into a diversified, long-term portfolio.
Lowered Tax Burden – Over three years, her strategy helped her avoid unnecessary tax costs, saving an estimated $50,000.
Confidence & Clarity – Sarah now has a clear path to financial independence within 10 years, knowing exactly when she’ll have the freedom to step away from work—on her terms.

Are Your RSUs or Stock Options Creating Complexity?

Managing equity compensation can be overwhelming, but a tax-efficient strategy can help you reduce risk and maximize your financial potential. Let’s create a plan tailored to your goals.

This case study is reflective of real client scenarios but does not describe any specific individual. It is intended for illustrative purposes only to demonstrate how Altruist Wealth Management may approach similar situations. Individual outcomes will vary based on personal circumstances, market conditions, and tax laws, which are subject to change. This content is not personalized investment, tax, or legal advice. Altruist Wealth Management is a registered investment advisor offering fiduciary services. Please consult your tax or legal professional for advice tailored to your unique situation.