Your Comp Package Is Complex. Your Financial Plan Should Keep Up.
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.
Every Vesting Cycle Brings a New Financial Problem
The complexity of tech compensation compounds over time — RSU grants, annual refreshers, ESPP windows, and rising income brackets create decisions that need more than a generic financial plan.
RSU vesting creates a tax problem every year
When shares vest, they're taxed as ordinary income — often at your highest marginal rate. Without proactive withholding adjustments and sell strategy, you can end up owing more than you expected every April.
Your net worth is concentrated in one stock
Most engineers accumulate significant exposure to their employer's stock through RSUs, ESPPs, and options. That concentration is a real risk, and unwinding it strategically — without triggering a large tax bill — takes planning.
Comp changes every year, and so does the math
Promotions, refresher grants, and variable bonuses mean your income picture looks different every cycle. Financial advice that made sense at one level may not make sense at the next, especially when your saving capacity and tax bracket shift significantly.
Most advisors don't understand how tech comp works
If you've ever had to explain what a cliff vesting schedule or an ESPP lookback provision is to an advisor, you know the problem. You need someone who already understands the mechanics — not someone who nods along.
One Team for Your Comp, Taxes, and Wealth
Our CFP® professionals, CPAs, and Enrolled Agents work together on your financial plan — so your equity strategy, tax withholding, and long-term goals are always moving in the same direction.
Equity Compensation Planning
We help you make decisions around RSU vesting, ESPP participation and sell timing, stock option exercises, and concentration risk — coordinated with your tax situation so each choice fits into the larger picture.
Learn moreTax Planning & Preparation
Our CPAs and Enrolled Agents handle both your tax strategy and your tax return — the same team that plans your withholding and estimated payments also files your return, so nothing falls through the cracks.
Learn moreInvestment Management
We build and manage portfolios with your full financial picture in mind, including the employer stock you already hold, your risk tolerance, and the tax implications of every move.
Learn moreFinancial Planning
From mega-backdoor Roth strategies to savings rate optimization and career-stage planning, we connect your day-to-day financial decisions to where you're headed over the next decade.
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: March 2026
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Our integrated approach helps people across many financial situations.
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.