Real financial planning, like it should be.
Built for people just like you
Life centered planning represents a philosophical shift in how we work with our clients.
Gone are the days when planning was solely about the products and investments. While the right investments are critical to achieving your goals, financial planning has transitioned to a holistic experience across all areas of your wealth picture: portfolio management, protection, taxes, estate planning, and wealth management.
In addition to helping you make smart decisions with your money, we focus on helping you live the best life possible, with the money you have, based on your values and goals:
• What is most important to you?
• What challenges and opportunities are you currently facing?
• What are your preferences and behavioral constraints?
• What key transitions are looming on the horizon?
PlanNow
Our innovative subscription based comprehensive financial planning service (Investment Management is available as an add-on option)
Many clients want more than just a one-time financial plan or short-term advice. They also want ongoing guidance – someone to help with implementation, monitoring, and education – someone to keep them on track.
Under a monthly subscription arrangement, we’ll help you to develop a sound financial strategy tailored to your situation and objectives. Then we’ll help you implement the strategy, with periodic follow-ups and phone/email support to help you get in shape and stay in shape.
This subscription is open ended, which means that there are not a limited number of appointments or amount of time for each item.
You can schedule additional appointments or call for information between appointments. This allows you to deal with changes without an added charge.
We view Investment Management as part of the "How" in the achievement of your financial plan (the "Why" and "What").
Our goal is to make sure that your investment strategy is aligned with your tax strategy, your stock options plan, and your financial independence plan. Having all the pieces work together is key to ensuring the efficiency of your financial plan.
We are firm believers in evidence- based strategies that are backed by rigorous academic research. We embrace the power of markets and we prefer to focus on the things we can control:
Diversification and Risk Management: Our portfolios are globally diversified and built to align with your risk tolerance and timeline for needing the funds. We use multiple asset classes – companies large and small, in the US and abroad, emerging and developing markets, and a mix of stocks and bonds.
Low Cost Investments: We primarily use low cost ETFs to construct portfolios. No commissions, product sales, and ETFs trade without any transaction fees.
Tax Focused Investing: We keep taxes in mind at every turn. We'll help implement strategies that may include tax loss harvesting and/or asset location decisions.
Diversify globally and re-balance systematically: The foundation of a truly diversified portfolio is a mix of assets that don’t move together in tandem. Over time, your allocation will drift from its target and the risk level of your portfolio will shift. With that in mind, we’ll rebalance routinely with taxes in mind to keep you on track.
Manage Over concentration risk: For client's with significant exposure to single stock or industry we will help determine a long term diversification strategy based on your specific situation.
Maintain discipline through market dips and swings: We’ll help make sure that reason and objectivity drive decisions instead of emotion. If you’re in the middle of a rolling liquidity event, we’ll work with you to find out how much we need to budget for taxes then get the rest invested ASAP. We understand that time in the market is much more important than timing the market.
Equity compensation, also called stock-based compensation, refers to various non-cash remuneration received as part of a pay package.
Examples include stock options (ISO/NQSO), restricted stock units (RSUs), employee stock purchase plans (ESPPs) and more. The further along you get in your career, the more opportunities you have to be compensated in potentially lucrative and tax-efficient ways. You’ll need to understand the restrictions, the benefits, and the tax consequences. You’ll also need to think through your portfolio concentration and the risk of having both your income and investments tied to your employer.
Some questions to think about:
• Should you take advantage of an Employee Stock Purchase Plan?
• Do you have Restricted Stock Units?
• Do you have options that are vesting?
• Can you use the 83(b) election?
With so many different types of equity compensation plans, it’s important to understand their differences so you can start on the right foot. Each plan’s details and restrictions vary, so it’s essential to take the time to read through the fine print. Equity compensation can be a great way to build retirement savings and create tax-advantaged sources of income.
But it gets complicated quickly, and you need to properly manage vesting schedules, make selling decisions, avoid over concentration risk, and be sure you have the funds available to pay the taxes.
Click here for more from mystockoptions.com (non related outside source) –Leading Advisors Reveal Year-End Strategies For Equity Comp And Company Stock
Working with Collabria
We purposely designed our process to be able to deliver a consistently high level of personalized and collaborative client experience (hence our name: Collabria!!!). By keeping our client list "right sized" and leveraging technology we are able to deliver on that commitment to you.
Human interaction & conversations are at the center of what we do. This is the best way to truly understand who you are, what you would like to achieve, and what your expectations are.
Step 1) Clarity
We develop a clear understanding of both your current and desired financial situation.
It's all about helping you not only define what you want to achieve, but more importantly "why?"
Step 2) Control
We will develop a detailed plan, assist with implementation, and provide you the tools to keep you on track through the many twists and turns of life.
Step 3) Comfort
We empower & educate so that you feel confident in your financial decisions knowing that all the pieces are in place and that you have a trusted partner to help guide you along your financial journey.