Tax Planning
Most people only think about taxes once a year, when a return is due. We think about them year-round, because the biggest tax mistakes happen long before April: an ISO exercised at the wrong time, a Roth conversion done in the wrong year, or a stock that jumped and got sold to lock in the gain, leaving you with a large capital gain to manage before year end. Moments like these are exactly why you need an active tax plan, one that knows your tax situation throughout the year, not just at the end of it.
Companies we work with
We build an annual tax projection for every client, so you know roughly where you'll land well before the year ends, not after it's too late to do anything about it. From there, we look for the moves that actually save money: tax-loss harvesting, Roth conversion opportunities, and timing the exercise and sale of RSUs, ISOs, and NSOs around your income and your state's tax rules.
We're not accountants, and we don't prepare or file your tax return. What we do is make sure every decision made throughout the year, on your investments, your equity compensation, and your broader plan, is made with the tax consequences already accounted for, and we coordinate directly with your CPA or tax preparer so nothing falls through the cracks at filing time.
We're laser-focused on after-tax outcomes, and that starts with how your investments are structured.
That means tax-efficient investment strategies, income built to be tax-favored or tax-free where possible, and placing the right assets in the right accounts, a Roth versus a brokerage account, for example. It also means making sure you're fully maximizing the benefits your employer already offers.
A mega backdoor Roth through an after-tax 401(k), or a deferred compensation plan you're eligible for but not using, can be some of the biggest tax opportunities available to you, and they're the ones we find people miss most often.
Success Story
The Latest
Our team might be a fit if…
You work at Amazon, Microsoft, Meta, or Google or another tech company, public or private?
Your household is highly compensated in company stock, and you need it turned into an actual plan, not just a number on a statement.
You're over 45, have a family, and don't have enough hours in the day.
You already max out your 401(k), and have at least $1M in investable assets.
You believe in professional advice, and you're a nice person. (Seriously — that last one is a deal-breaker.)
We work with households across a range of net worth, with deep expertise for company stock positions between $5–50 million.
We're a comprehensive advisory firm, not an à la carte one. One relationship covers:
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Wealth Management
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Financial Planning
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Investment Management
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Trust & Estate Planning
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Insurance Planning
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RSU & Stock Options
Ready To Get Started?
We invite you to schedule a call! Ask ANY questions you may have, and we’ll ask what’s important to you.
Let’s Make Smart Decisions, Together.
Consilio Wealth Advisors provides investment advisory and financial planning services to technology professionals nationwide so they can experience the confidence they deserve.
All of our advisors are CERTIFIED FINANCIAL PLANNER® professionals (and many of our team members hold or are in pursuit of other advanced certifications).
We offer unbiased advice and never push any proprietary products…because we don’t have any.
As an independent Registered Investment Advisor (RIA), we hold ourselves to the fiduciary standard. We work for you, and only you.
Our experienced team has worked with hundreds of smart people just like you.
At this point you probably just have one burning question: Are you a Fiduciary?
Yes, we are.
We do not receive any commissions from investment product sales and our entire engagement is based on the Fiduciary standard. Seriously, there are advisors out there who receive commissions to sell you stuff? Yuck.
In addition to this, ALL of our advisors are CERTIFIED FINANCIAL PLANNER® professionals (the way it should be), and many of our team members hold or are in pursuit of other advanced planning designations. Because, frankly, we’re all total planning nerds.