Case Study - Kevin and April

From Chaos to Clarity: Kevin & April’s Wealth Strategy

Life is moving fast.

You’re raising a family, building your careers, and trying to stay on top of everything—from kids’ schedules to work deadlines to equity compensation plans. You’ve done well, but the complexity is piling up—and time is in short supply.

“Are we making the most of our income and equity?”
“Are we being smart with taxes—or just reactive?”
“Are we setting up the future we actually want?”

Kevin and April aren’t just looking for another financial app or surface-level advice. They want a cohesive strategy. One that brings together compensation, equity, taxes, and planning—so their hard work today translates into freedom tomorrow.

Kevin & April’s Situation

Kevin and April are in their late 40s, with three kids under 16. Both are tech executives in high-pressure roles. They own their home and have built a strong income stream with base salary, bonuses, and multiple forms of equity compensation.

They’re navigating RSUs, ESOPs, ESPP and pre-IPO shares from a former employer—each with unique tax implications. They're maxing out their 401(k)s but wondering if there’s more they should be doing. The stakes are high, and so is the complexity.

Kevin & April – Dual-Career Tech Leaders

  • Ages 47 and 48

  • Married with three children (ages 10, 13, and 15)

  • Own their home

  • Compensated through base salary, bonus, RSUs, ESOP and an option for ESPP each month

  • One spouse holds pre-IPO shares with unclear exit timeline

  • Seeking tax efficiency, time-saving strategies, and a smart long-term plan

Financial Goals

  • Manage the tax impact of ongoing RSU vesting and sales

  • Maximize employer-sponsored retirement benefits.

  • Retire early

  • Build tax free retirement income

  • Strategically plan for the eventual sale or liquidity event of pre-IPO shares

  • Coordinate investment strategy across taxable and retirement accounts

  • Create a long-term financial plan that aligns with education, retirement, and lifestyle goals

How We Helped

  • Built a customized tax plan for RSU vesting, ESPP sales, and ISO strategies—balancing AMT exposure, capital gains, and cash flow

  • Implemented Mega Backdoor Roth strategies to expand tax-advantaged savings beyond traditional 401(k) limits

  • Developed a long-term liquidity strategy for pre-IPO shares—factoring in secondary market options and potential exit events

  • Consolidated their investment portfolios, aligning with risk tolerance, timeline, and tax treatment

  • Created a comprehensive financial plan for kids’ education, early retirement goals, and legacy planning

  • Provided an ongoing system for decision-making, saving time and reducing stress amid a hectic family and work life

Financial Planning Services Provided

  • Executive Compensation & Equity Planning

  • RSU & Stock Option Tax Strategy

  • Mega Backdoor Roth Setup & Optimization

  • Investment Allocation Across Account Types

  • Long-Term Cash Flow and Goal Planning

  • Education, Retirement, and Legacy Planning

  • Ongoing Coordination and Strategic Advice

Sound Like You?

You’re Not Short on Income—You’re Short on Time

Kevin and April didn’t need someone to manage just their 401(k)s. They needed someone who understood the whole picture—the tech comp, the stock plans, the tax issues, and the chaos of real life.

1. More Than a Paycheck

Your equity, bonuses, and benefits can drive massive wealth—if managed well.

2. Don’t Let Taxes Eat Your Progress

Smart strategies around RSUs and pre-IPO shares can potentially reduce your tax burden—and position you for market opportunities.

3. Make Time Work for You

You’re too busy to chase every detail. That’s where having the right partner matters.

4. Plan the Future Your Career is Building

From college planning to lifestyle design to early retirement—your success deserves a strategy.

5. Turn Income Into Independence

We help high-income tech families turn complexity into clarity—and goals into action.

Ready to Get the Strategic Support You Deserve?

We specialize in helping tech leaders like Kevin and April align income, equity, and time with what matters most.

Let’s bring it all together.

Book a time to talk. Because your wealth should be as intentional as your work ethic.