For Engineers and Tech Professionals
Your compensation is complex.
Is your financial plan?
Is your financial plan?
RSUs, ISO, NSO, ESPP, concentrated positions, tax exposure. Some financial advisors were not built for this. We are.
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85%
Of equity compensation participants say they want more help understanding what they actually have.
Schwab Workplace Participant Survey, 2025
1 in 3
The average tech employee holds about one-third of their investment portfolio in a single company stock.
Schwab Workplace Participant Survey, 2025
For Engineers & Tech Professionals
Three financial gaps most
Three financial gaps most
tech professionals have.
01
You know what needs to happen. You just need someone to make it happen with you.
02
Familiar feels safe.
Too much wealth tied to one stock. Concentration risk that grows quietly with every vest.
03
Your partner is your super power. Separate decisions create friction. Aligned planning creates momentum.
Most people see these gaps.
They just do not have a plan to solve them.
Equity Compensation Tax Strategy
Your comp package has more tax decisions in it than most people realize.
Each type of equity is taxed differently. Each one has a window. Missing it is expensive.
ISO
Exercise timing determines whether you pay long-term rates or trigger AMT.
The favorable tax treatment of Incentive Stock Options only exists inside specific holding period rules. Exercise without modeling your AMT exposure first and you can owe tax on gains you have not yet received in cash.
NSO / NQSO
You owe ordinary income tax at exercise. Full stop.
Non-Qualified Stock Options are simpler than ISOs but not cheaper. The spread between your exercise price and the market price on the day you exercise is taxed as ordinary income, including FICA and state tax. The decision of when to exercise is a tax decision.
RSU
Your employer withholds 22%. Your bracket may be 37%.
RSUs vest as ordinary income. The default withholding almost always underpays. Add in concentration risk from holding shares in the company that also signs your paycheck, and RSUs require an active strategy, not a passive one.
ESPP
Sell too soon and the discount is taxed as ordinary income.
Employee Stock Purchase Plans are one of the best benefits available, but the tax treatment splits based on when you sell. A qualifying disposition can preserve long-term capital gains rates. A disqualifying one erases that advantage entirely.
These decisions do not wait for tax season.
Let's look at what you actually have and build a plan around it.
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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.
Ready to close the gaps?
Schedule a complimentary review. No pitch. Just a clear look at where you are and what a real plan could do for you.