Financial Planning Built for Anthropic's Private-Company Equity
Anthropic recently leased space at 330 Hudson St in Hudson Square, bringing its NYC headcount to 1,000-plus by end of 2026. Our Manhattan office is minutes away. If you work at Anthropic or another pre-IPO AI company, your equity has a different set of rules from public-company RSUs. We help you navigate them.
Private-Company Equity Works Differently. Most Financial Advisors Treat It Like It Doesn't.
At a company like Anthropic, your equity isn't traded on a public exchange. The timing of your taxes, your liquidity, and your planning decisions all depend on mechanics that most financial advisors have never seen up close. Getting them wrong is costly and often irreversible.
Double-trigger RSU vesting means your tax clock starts at the liquidity event, not the vest date
Most public-company RSU guides talk about tax at vest. Private-company RSUs often use double-trigger vesting: shares don't deliver until both a time-based schedule and a liquidity event (IPO, acquisition, or secondary sale) have been satisfied. That structure affects when you owe tax, how much you owe, and what planning moves are still available to you before and after the trigger.
Tender offers and secondary sales require fast, coordinated decisions
Anthropic has offered employees periodic liquidity through tender offers and secondary-market transactions. Each one comes with a short window, limited information, and real tax consequences. Whether to participate, how much to sell, and how to handle the resulting income requires a financial and tax analysis you can't rush.
The 83(b) election window is 30 days, and missing it is permanent
If you received restricted stock or early-exercised options at Anthropic before the equity was fully vested, you had 30 days to file an 83(b) election with the IRS. If that window passed without a filing, you may owe ordinary income tax on appreciation that hasn't generated any liquidity yet. For those still holding unvested shares, understanding where you stand on this decision is a foundational planning step.
QSBS and AMT exposure are often overlooked until it's too late
Shares in a company like Anthropic may qualify for the Section 1202 Qualified Small Business Stock exclusion if specific conditions are met and a five-year holding period is satisfied. Separately, if any incentive stock options (ISOs) are involved, exercising them can trigger Alternative Minimum Tax even before you've sold a share. Both situations require proactive, coordinated planning, not year-end discovery.
Equity Planning, Tax Strategy, and Financial Planning on One Team
Our CFP® professionals, CPAs, and Enrolled Agents work together on your plan, so your private-company equity decisions, tax exposure, and long-term financial goals are built as one coordinated whole. We are fee-only fiduciaries: no commissions, ever.
Equity Compensation Planning
We work through the mechanics that matter for pre-IPO employees: double-trigger RSU structures, 83(b) elections, tender-offer participation decisions, QSBS eligibility tracking, and ISO exercise strategy with AMT modeling. Each decision is evaluated in the context of your full financial picture.
Learn moreTax Planning
Our CPAs and Enrolled Agents work alongside your financial planner year-round. We model your tax exposure before tender offers close, estimate AMT impact from ISO exercises, and build a plan for managing ordinary income and capital gains when liquidity events arrive.
Learn moreFinancial Planning
We help you see your full financial picture: liquid savings, illiquid equity, pre-IPO concentration risk, and long-term goals. For senior staff and engineers approaching a potential retirement timeline, we integrate your equity milestones with retirement readiness planning.
Learn moreInvestment Management
After a tender offer or secondary sale generates liquidity, the decisions around investing that capital require coordination with your tax situation and your remaining equity exposure. We manage investments with the full picture in view.
Learn moreWhat Changes When Everything Works Together
Most advisory firms do one thing well and outsource the rest. At United Financial Planning Group, your investment decisions, retirement timeline, and tax planning reinforce each other, because the same team handles all three.
CFP® professionals, CPAs, and Enrolled Agents work side by side, not across town. Hover over a service to see how it connects to your complete financial picture.
Guidance from our team of CFP® professionals, CPAs, and Enrolled Agents. Meet the team
Last updated: July 2026
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Our integrated approach helps people across many financial situations.
We work with software engineers navigating RSU vesting, stock refreshers, ESPP decisions, and high W-2 income — bringing financial planning, investment management, and tax strategy together on one team.
United Financial Planning Group brings CFP® professionals, CPAs, and Enrolled Agents together under one roof — so your equity events, tax strategy, and long-term wealth all move in the same direction.
From 83(b) elections and QSBS planning to liquidity events and what comes after, we help founders translate cap-table complexity into a personal financial plan built around how you actually earn wealth.
Ready to Stop Coordinating Between Advisors?
Schedule a no-pressure conversation. We'll listen to what's going on in your financial life and help you decide if working together makes sense.