Services & Pricing Built Around You
Comprehensive financial planning—offered as planning-only or planning plus investment management—so you can choose the level of support that fits your life and goals.
A List of Our Services
Our services bring together financial planning, tax planning, investment & equity compensation strategy, and retirement planning—so every decision supports your long-term vision.
Comprehensive Financial Planning
Comprehensive financial planning brings your taxes, investments, retirement, and major life decisions into one coordinated strategy—so your every move supports the bigger picture and nothing works against you.
A Clear Starting Point
Seeing Your Full Financial Picture: We start by organizing everything—income, equity compensation, investments, taxes, benefits, real estate, insurance, and estate documents—into one clear, cohesive view.
What Matters Most: Before numbers, we focus on your priorities: lifestyle, family, flexibility, career choices, and peace of mind.
Integrated Planning Across All Areas
Tax Planning: Proactive, year-round strategies to reduce surprises and improve after-tax results.
Investment & Equity Compensation: Disciplined portfolios and diversification strategies aligned with your goals and risk tolerance.
Retirement Planning: Clear projections and income strategies that show when work becomes optional—and what comes next.
Risk & Insurance Review: Ensuring life, disability, and umbrella coverage keeps pace with success.
Estate Coordination: Working with your estate attorney so documents align with your plan.
A Living, Evolving Plan
Comprehensive planning evolves with you.
Ongoing Updates: As your career, markets, and life change, your plan stays current and resilient.
Decision Support: Liquidity events, career shifts, real estate moves, family transitions—we help you evaluate tradeoffs before acting.
Who It's For
Ideal if you:
- Earn strong income with equity compensation
- Have multiple moving parts—taxes, investments, real estate, family
- Want one advisor coordinating decisions
- Value clarity over quick answers
Financial Planning FAQs
Do I need this if I already have a CPA and investments?
Yes. Comprehensive planning ensures strategies reinforce—not conflict with—each other.
How is this different from investment management?
Investment management focuses on portfolios. This covers your entire financial life.
How often do we update the plan?
At least annually—and more often as needed.
Do you work virtually?
Yes. Based in the San Ramon Bay Area, serving clients nationwide.
At Collabria Capital, comprehensive financial planning is about coordination—so your financial life supports the life you want to live.
Tax Planning
Proactive, year-round tax planning designed to make complex personal taxes feel predictable. We help you manage taxes deliberately—reducing surprises, improving cash flow, and aligning every decision.
How Collabria Helps You Stay Ahead
Thoughtful Equity Compensation Planning
ISO & RSU Strategy: We help you decide when to exercise or sell—balancing AMT exposure, capital gains, cash flow, and long-term goals.
Scenario Modeling: Before you act, we model the tax impact of different strategies so decisions are informed—not rushed or emotional.
Making the Most of Real Estate
Entity & Ownership Structuring: We assess whether an LLC or other structure makes sense, coordinating with your CPA to support liability protection and tax efficiency.
Deductions & Depreciation: From mortgage interest to depreciation schedules, we help ensure opportunities aren’t missed and records stay organized.
Optimizing Consulting & Side Income
Expense Optimization: We identify and track legitimate deductions—from home office to software and professional services.
Estimated Tax Planning: Quarterly estimates are planned intentionally to reduce penalties and smooth cash flow.
A Year-Round, Collaborative Approach
Taxes don’t happen once a year—and neither should planning.
Ongoing Strategy Reviews: As grants, promotions, real estate, or family situations change, your strategy evolves with them.
Personalized Action Plans: No templates. No generic advice. Every recommendation reflects your specific situation—especially before major decisions.
One Coordinated View
We work closely with your tax preparer so strategy and implementation stay aligned.
Every recommendation accounts for Bay Area realities—state taxes, equity compensation, concentrated stock, and cost-of-living considerations.
Equity Compensation
Tax Complexities
Investment Portfolio
Ideal for: Tech employees, investors, ambitious earners with more than a standard W-2 tax situation
Investment & Equity Compensation
Clear, disciplined investment strategy for complex financial lives. We help turn stock compensation, concentrated positions, and cash flow into a long-term plan designed to support your goals—not just react to markets.
Why Investment Planning is Different
Equity compensation changes the equation.
RSUs, ISOs, and company stock can create meaningful opportunity—but also concentration risk, tax exposure, and emotional decision-making. Without a coordinated plan, risk can quietly build or diversification can happen inefficiently.
Our role is to help you invest deliberately—aligned with your goals, risk tolerance, and full financial picture.
How Collabria Approaches Investment Planning
Equity Compensation Integration
RSU & Stock Option Strategy: We align vesting, exercise, and sale decisions with cash flow, tax strategy, and long-term objectives.
Concentration Risk Management: Gradual, tax-aware diversification designed to reduce single-stock exposure without reactive moves.
Portfolio Construction
Evidence-Based Investing: Diversified, low-cost portfolios built for long-term outcomes—not short-term predictions.
Tax-Aware Asset Location: Coordinating investments across taxable, retirement, and equity accounts to improve after-tax results.
Ongoing Investment Stewardship
Rebalancing & Monitoring: Portfolios are continuously monitored and adjusted as markets—and your life—change.
Integrated With Your Full Plan: Investment decisions connect directly to tax strategy, retirement timing, and family priorities.
Investment & Equity Compensation FAQs
Do you manage investments directly?
Yes. We provide discretionary investment management with transparent, fiduciary oversight.
Can I engage you for planning only?
Yes. Many clients begin with planning and add investment management later.
How do you handle volatile company stock?
We implement rules-based diversification strategies so decisions aren’t driven by headlines or emotion.
A portfolio aligned with your life—not just the market—with decisions around equity compensation and a disciplined, coordinated strategy that supports your life and goals.
Retirement Planning
Retirement planning can feel complicated—especially with equity compensation and taxes in the mix. We build a plan so you know when work becomes optional and what comes next.
How Collabria Approaches Retirement Planning
Defining What Retirement Means to You
Lifestyle-Centered Planning: Retirement isn’t just a number. We begin with how you want to live, spend, travel, and support family—then build the strategy around that vision.
Multiple Scenarios: Early retirement, phased work, consulting, or second careers—we model different paths so tradeoffs are clear before decisions are made.
How Collabria Approaches Retirement Planning
Defining What Retirement Means to You
Lifestyle-Centered Planning: Retirement isn’t just a number. We begin with how you want to live, spend, travel, and support family—then build the strategy around that vision.
Multiple Scenarios: Early retirement, phased work, consulting, or second careers—we model different paths so tradeoffs are clear before decisions are made.
Turning Assets Into Retirement Income
Cash Flow & Income Strategy: Sustainable withdrawal strategies that balance lifestyle needs, taxes, and long-term portfolio health.
Tax-Efficient Drawdown Planning: Coordinated withdrawals across taxable, retirement, and equity compensation accounts to improve after-tax income.
Coordinating Equity Compensation
RSUs, Options & Deferred Compensation: We integrate equity into retirement projections so vesting, exercise, and sale decisions support your timeline.
Concentration Risk Management: As retirement approaches, we reduce concentrated positions thoughtfully and tax-efficiently.
Retirement Planning Is Ongoing
Regular Updates: Assumptions evolve as markets, tax laws, and life change.
Fully Integrated: Retirement decisions connect directly to tax strategy, investments, and estate planning—so everything works together.
Retirement Planning FAQs
When should I start?
Often 10–15 years before retirement, when tax and equity decisions have the most leverage.
Can you model early retirement?
Yes. We evaluate early and phased retirement scenarios so tradeoffs are clear.
How do you account for cost of living?
Expenses, taxes, healthcare, and housing are modeled using realistic assumptions.
Do you plan for income, not just accumulation?
Absolutely. Spending confidently is just as important as saving.
Two Ways to Work Together
Every relationship begins with comprehensive financial planning. The difference is how much support and implementation you’d like us to provide throughout.
Professionals who want guidance and a clear roadmap—but prefer to manage their own investments.
Comprehensive financial planning with investment guidance you implement.
Professionals who want expert direction and accountability—but prefer to place their own trades.
Ongoing access, customized planning, proactive check-ins, and written recommendations.
Retirement, tax, equity compensation, cash flow, insurance, and estate planning.
Execute trades, rebalance, and implement tax strategies we recommend.
More hands-on involvement.
Gain coaching and guidance—you'll execute during market volatility.
Tax-aware planning recommendations.
Maximum control over holdings and trading.
Flat annual planning fee.
Professionals who want a full integrated relationship—planning, portfolio management, and taxes.
Fully integrated planning and professional portfolio management.
Professionals who want to delegate portfolio management to a fiduciary advisor.
Everything in Co-Pilot + portfolio design, trading, rebalancing, cash management, and tax coordination.
All planning services plus full investment implementation and oversight.
Approve strategy and stay informed—we manage implementation and day-to-day adjustments.
Less day-to-day involvement.
Gain coaching plus execution—we'll implement the agreed strategy.
Tax-aware strategy implemented in your portfolio.
Structured oversight with delegated investment management.
Combined planning and AUM-based investment management fee.
Not Sure Which Model Fits You Best?
In our initial conversation, we’ll review your goals, complexity, and preferences—and recommend the structure that best aligns with your needs. No pressure. No jargon.
Book a Free Assessment Today
A quick, no-pressure call to talk through your goals and what you’re navigating—then we’ll recommend the best next step.
Our calls are always stress and pressure free—guaranteed!
