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3200 Park Center Drive, Suite 1240, Costa Mesa, CA 92626

(949) 471-5810
ashten@eclipsefa.com
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Ashten Barber, Eclipse Financial Advisors
Financial Planning for Software Engineers

Building wealth shouldn't feel harder than building software.

You build complex systems for a living. Your financial life deserves the same intentional design.

Together, we'll connect your equity compensation, taxes, investments, and long-term planning into one coordinated strategy, so every part of your financial life works together as intentionally as you do.
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For Software Engineers

Three financial gaps most
engineers face.

1

You've outgrown DIY.

Index funds and a spreadsheet got you this far, but your comp got complicated, and the cost of winging it now is measured in five figures.

2

Too much wealth tied to one stock.

Concentration risk that grows quietly with every vest. Your paycheck and most of your net worth ride on the same company.

3

Nobody's looking at the whole picture.

Your equity, taxes, investing, and retirement all affect each other, but right now they live in separate tabs you never reconcile.

You don't need another investment opinion.
You need a strategy that brings everything together.

The part generic advisors skip

Every type of equity is taxed differently. Each one has a window.

Miss it and it gets expensive. Here's the short version. The full strategy is where we go deeper.
ISO
Exercise timing decides whether you pay long-term rates or trigger AMT.
NSO
Ordinary income tax hits at exercise, so when you exercise is a tax decision.
RSU
They vest as ordinary income, and the default withholding almost always underpays.
ESPP
Sell too soon and your discount gets taxed as ordinary income instead of capital gains.
Eclipse Financial Advisors and its representatives do not provide tax or legal advice. The information provided is for educational and informational purposes only and should not be construed as tax or legal guidance. You should always consult with a licensed and qualified tax professional, CPA, attorney, or other appropriate professional regarding your specific situation before making any financial, tax, or legal decisions.
For Software Engineers

You've built the system. Now let's make sure it's engineered to last.

Your equity, vested and unvested.
Your taxes, before they surprise you.
Your next offer, before you sign it.
RSUs, ISOs, NSOs, and ESPPs each run on their own clock. Handled separately, they're a source of stress and missed windows. Handled together, as part of one coordinated plan, they become the foundation of real wealth.
One advisor. One strategy. One place to turn.
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A short conversation about where you are and where you'd like to go. No pitch, no obligation.