Financial Planning Built for Ramp's Late-Stage Equity
Ramp is one of the most-watched fintech IPO candidates in the country, with a valuation history that spans multiple funding rounds and a real path to liquidity. If you work at Ramp, your equity situation is specific: RSU vesting schedules, potential tender offer windows, ISO/QSBS considerations, and a future IPO that could change your tax picture overnight. Our CFPs, CPAs, and EAs work as one team to plan around all of it. We are based in NYC and work with clients nationwide.
Late-Stage Fintech Equity Comes With Its Own Set of Planning Problems
Ramp sits at an unusual inflection point: private enough that your equity is still illiquid on most days, but advanced enough that IPO planning, secondary liquidity, and tax exposure are real and near-term considerations. Most financial advisors have never worked through this stage up close.
RSU concentration risk grows with every vesting cycle
Each time a tranche of RSUs vests, your exposure to Ramp as a single position increases. At a private company, you cannot simply sell as you go the way you might at a public employer. That means concentration builds until a liquidity event arrives, and the tax consequences of unwinding it all at once can be significant. Planning for diversification has to start well before you have the ability to act.
Tender offers and secondary windows close fast
Late-stage private companies at Ramp's scale occasionally offer employees periodic liquidity through tender offers or secondary transactions. Each window is short, the information available is limited, and the decision of how much to sell, which shares to sell, and what the tax consequences will be requires analysis you cannot complete in a day or two. Arriving prepared is the only way to make a good decision.
A potential IPO changes your tax exposure, not just your liquidity
An IPO is not just a liquidity event. It is a tax event. Depending on how your equity is structured, the timing of your grants relative to the IPO, and your income in the year shares become liquid, you could face a significant and compressible tax bill. Planning for that in advance, not after the fact, is the difference between managing your tax liability and simply paying it.
ISO and QSBS mechanics are easy to miss until the window closes
If any of your Ramp equity involves incentive stock options (ISOs), exercising them before an IPO can trigger the Alternative Minimum Tax even if you have not sold a single share. Separately, shares in certain qualifying startups may be eligible for the Section 1202 QSBS exclusion, which can shield a meaningful portion of your gain from federal capital gains tax, but only if specific conditions are met and a five-year holding period is maintained. Both require proactive 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 Ramp 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 details that matter for late-stage private company employees: RSU vesting and concentration risk, secondary sale and tender offer analysis, ISO exercise strategy with AMT modeling, and QSBS eligibility tracking. 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 offer windows close, estimate AMT impact from ISO exercises, and build a forward-looking plan for managing ordinary income and capital gains when a liquidity event arrives.
Learn moreFinancial Planning
We help you see your full financial picture: liquid savings, illiquid equity, pre-IPO concentration risk, retirement readiness, and long-term goals. For Ramp employees with equity milestones on the horizon, we integrate your equity timeline with the rest of your financial plan.
Learn moreInvestment Management
After a tender offer or IPO 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, not in isolation from it.
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
We Also Work With
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.