Your Equity Is Complex. Your Financial Plan Should Account for All of It.
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.
Your Cap Table Doesn't Fit a Standard Financial Plan
Founder wealth is built differently — through equity stakes, irregular draws, and events that can shift your net worth dramatically in a single day. Most financial planning frameworks weren't designed with any of that in mind.
Missing the 83(b) window costs you later
You have 30 days from the date of your equity grant to file an 83(b) election. Miss it and you may owe ordinary income tax on stock that hasn't generated a dollar of real liquidity yet. Most general financial planners don't catch this in time — or at all.
QSBS exclusions require proactive, coordinated planning
Qualified Small Business Stock can shield a significant portion of your gain from federal capital gains tax — but only if the right conditions are met and maintained. The rules are technical, the recordkeeping is ongoing, and the tax savings are forfeited if the planning isn't done correctly from the start.
A liquidity event is not a financial plan
A secondary sale or company exit can put more money in your account than you've ever seen at once. Without a plan for diversification, tax management, and long-term structure, the window for optimal decision-making closes fast.
Your income doesn't fit a standard financial model
Founder compensation often looks nothing like a W-2 salary — it's irregular draws, equity-heavy, and tied to milestones you can't always predict. Advisors who work primarily with salaried employees will build a plan that doesn't fit your reality.
From Cap Table to Personal Wealth — Fully Coordinated
Our CFP® professionals, CPAs, and Enrolled Agents work as a single team, so your equity planning, tax strategy, and personal financial plan are built together from the start — not patched together at year-end.
Equity Compensation Planning
We work through the details that matter to founders: 83(b) elections, ISO vs. NSO treatment, QSBS eligibility, early exercise strategy, and how your equity fits into the broader picture of your personal wealth.
Learn moreTax Planning
Our CFPs, CPAs, and Enrolled Agents work together — not in separate offices — so the tax strategy behind your equity decisions is built into your financial plan from the beginning, not bolted on at the end of the year.
Learn moreFinancial Planning
We help you turn a cap table into a personal balance sheet: mapping out your net worth across liquid and illiquid assets, building a plan around volatile income, and giving you a clear picture of where you stand.
Learn moreInvestment Management
Post-liquidity, concentrated positions and diversification decisions require careful coordination with your tax situation. We manage investments with your full financial 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: March 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.
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.