Executives
Financial planning for executives making high-impact decisions with limited time.
Compensation, employer benefits, retirement accounts, equity exposure, tax timing, insurance, estate planning, and career transitions can all affect the same long-term plan.
Who this is for
Questions this planning process helps organize.
- Am I on track to work by choice, not necessity?
- How should I coordinate retirement accounts, taxable investments, and employer benefits?
- What should I review before leaving an employer or retiring?
- How should equity compensation, bonuses, or deferred compensation fit into the plan?
- Am I taking too much risk in one company, industry, or income source?
Planning fit
High Tide Advisory is a fit for clients who want planning coordination before product recommendations. The process begins with discovery, then written recommendations and client approval before implementation.
Key Decisions
Important decisions to review before they become urgent.
Employer benefits and retirement accounts
Coordinating employer plans, old 401(k)s, pension options, benefit elections, and outside accounts into one planning picture.
Concentrated stock and equity compensation
Evaluating concentration risk, liquidity needs, tax timing, and diversification considerations before major compensation or transition events.
Retirement timing
Mapping income, benefits, healthcare, Social Security, taxes, and portfolio withdrawals before leaving an executive role.
Tax-aware income planning
Coordinating tax-sensitive compensation, bonuses, deferred compensation, charitable planning, and retirement withdrawals with tax professionals.
Insurance and family protection
Reviewing life, disability, long-term care, and liability protection against the household’s income dependence and estate goals.
Estate and beneficiary coordination
Checking whether employer accounts, insurance, trusts, beneficiaries, and family documents are aligned with the broader plan.
Common Mistakes
Where planning often breaks down.
- Waiting until the year of retirement to plan
- Ignoring concentration risk
- Making equity decisions in isolation
- Failing to coordinate benefits with the household plan
- Not planning for the spouse or family
How High Tide helps coordinate planning
High Tide Advisory helps organize investments, income, tax-aware planning, insurance planning coordination, estate and legacy coordination, liquidity planning, family considerations, and ongoing review. Recommendations are non-discretionary and require client approval.
Start with discovery
Start with the planning picture.
Discovery helps High Tide Advisory understand your situation before any recommendation is made. Completion of discovery does not establish an advisory relationship.
Ready to organize the full picture?
Review fees and disclosures, then begin the discovery questionnaire when you are ready.