• What happens to my wealth after I sell my business?

    The period immediately following a business sale is one of the most critical and often overlooked phases of financial planning. You may have more liquid wealth than you've ever managed, significant tax obligations, and decisions that need to be made quickly about where and how to invest the proceeds. We help clients build a comprehensive post-sale financial plan that addresses investment strategy, tax efficiency, income planning, and estate considerations.

  • Do you work with pharmaceutical and biotech executives in New Jersey?

    Yes. New Jersey is home to some of the world's largest pharmaceutical and life sciences companies, and we work with executives at many of them on the financial complexity that comes with senior-level compensation. This includes restricted stock units, non-qualified stock options, employee stock purchase plans, nonqualified deferred compensation plans, and concentrated stock positions.

  • What should I do with my RSUs when they vest?

    Restricted stock units create a taxable event at vesting regardless of whether you sell the shares. From that point forward, any appreciation is treated as a capital gain. The decision about what to do with vested RSUs — hold, sell immediately, or develop a systematic selling plan — depends on your overall financial picture, your concentration in company stock, your tax situation, and your view of the company's prospects. This is a decision that benefits from careful analysis rather than a default approach.

  • What is concentrated stock risk and how do I manage it?

    Concentrated stock risk occurs when a significant portion of your net worth is tied to a single company's stock — often your employer. This creates a risk profile that most financial plans are not designed to handle. Strategies for managing concentrated stock include systematic diversification, hedging strategies, exchange funds, and charitable giving vehicles. The right approach depends on your tax basis, your timeline, and your overall financial goals.

  • Is the initial conversation free?

    Yes. The initial conversation is completely complimentary and carries no obligation. It is simply an opportunity for us to learn about your situation and for you to learn about how we work. If it's a good fit, we'll talk about next steps. If it isn't, we'll tell you honestly and point you in the right direction.

  • What should I bring to our first meeting?

    A general sense of your current financial picture is helpful — account balances, income sources, any specific questions or concerns you have. You don't need to bring formal documents to an introductory conversation. We'll tell you exactly what we need once we've decided to move forward together.