WHO WE SERVE / TECH PROFESSIONALSHigh income and equity create opportunity.
Structure turns it into wealth.
THE REALITYYou're in a strong position. RSUs, stock options, high base salary — on paper, things look good.
But the decisions that actually matter — when to sell, how to handle taxes, what to do with a concentrated position — those don't come with instructions.
Most people are figuring it out as they go. That's where small gaps quietly become bigger ones.
Equity compensation isn't just upside. It's exposure. The goal isn't to maximize one decision — it's to make sure everything works together over time.
WHERE THINGS START TO BREAK DOWNWhy financial complexity increases as income and equity grow.
None of these feel like emergencies. That's exactly why they tend to compound quietly.
01
RSUs vest and just sit there
No plan for what to do when shares hit the account. The default — do nothing — is actually a decision with real tax consequences.
02
ESPPs feel unclear
Most people don't fully understand the tax treatment or the optimal timing to sell. The discount is real — but so is the risk of mishandling it.
03
Taxes hit harder than expected
Supplemental withholding on RSUs is often too low. The gap shows up at tax time — as a bill most people weren't planning for.
04
Concentration risk builds quietly
A large position in one stock feels like strength until it doesn't. Managing it without triggering unnecessary taxes requires a real strategy.
WHERE PEOPLE GET STUCKIt usually doesn't feel like a crisis. It sounds more like this.
"I think I'm handling this right — I just don't know for sure."
"I'll deal with the ISO situation before they expire. I just haven't gotten to it."
"My tax bill was way higher than I expected last year. I'm not sure why."
WHAT WE HELP WITH A system that adapts as your career evolves.
RSU planning and tax withholding
A repeatable strategy for each vest — what to sell, what to hold, and how to close the withholding gap before it becomes a surprise in April.
Stock option decisions and ISO/AMT planning
Exercise timing, AMT exposure, early exercise strategy — options have a short window and lasting consequences. This is where the most expensive mistakes happen.
ESPP strategy and execution
When to sell, how to time it, and the actual after-tax value — including the qualifying vs. disqualifying disposition question most people get wrong.
Concentrated position management
Reduce single-stock risk systematically without triggering a tax bill that wipes out the benefit of diversifying.
Tax coordination across income and equity
High base salary plus equity creates a complex tax picture. We build a year-round strategy — not a once-a-year reaction to what already happened.
Liquidity events and career transitions
IPO, acquisition, or leaving a company with unvested equity — these moments require decisions under pressure. Having a plan before it happens is the difference.
HOW WE THINK ABOUT ITThree things that matter more than any single decision.
Risk
How much of your net worth is tied to one company's stock and what happens if that changes?
Taxes
What's the real after-tax value of each equity decision? Not the gross number, the number that actually lands in your account.
Flexibility
How does today's decision affect what you can do in two years? In five? The best decisions preserve options they don't close them.
WHAT MOST PEOPLE DO Make each equity decision reactively when it comes up.
React to the tax bill in April.
Hold a concentrated position because selling feels like giving something up.
Put off the ISO exercise until it's almost too late.
A repeatable system for every vest, every grant, every ESPP window.
Year-round tax coordination — not a year-end scramble.
A diversification strategy that accounts for taxes from the start.
A calendar of decisions made before they become urgent.
WHAT WE BUILD INSTEADCLIENT CASE STUDYTwo tech professionals. Two vesting schedules. No unified plan.
Mark and Priya were a high-earning dual-income household with combined comp over $500K, RSUs at two separate companies, and a financial picture that had never been seen as one thing.
Concentration risk building at both companies.
Three old 401(k)s in default funds.
Two ESPPs going largely uncaptured. No estate plan.
Here's what changed in twelve months.
40% → 18%
Company stock concentration reduced
$400K+
Deployed with intention into diversified portfolio
Predictable
Tax bill — no more April surprises
Mark & Priya - Senior Engineering Manager + Senior Product Manager - Dual equity comp
Composite illustration. Names and details are fictional. Results are not guaranteed and will vary by individual situation. Dynamic Financial Planning LLC is a Registered Investment Adviser registered with the State of Arizona.
WHO THIS IS FORYou're likely a fit if:
—You work in tech and have equity compensation — RSUs, ISOs, NSOs, or ESPP
—Your income has increased quickly and the financial complexity has followed
—You've had a tax surprise in the last year or two and you're not sure why
—You have a concentrated position you know you need to address but haven't
—You want decisions made intentionally — not reactively when something forces the issue
—You're thinking about long-term financial independence, not just next year's comp
HOW THIS USUALLY STARTSMost conversations start with one question. That's enough.
What do I actually have here? What should I be paying attention to? What happens if I do nothing? Those are the right questions — and that's where we start. Fee-only, fiduciary, no products to sell.