Your Wealth Has Outgrown DIY.

You’ve earned your success—whether you built a company from the ground up or stepped into a senior leadership role at a major employer. At this level, the financial questions usually aren’t “Which fund should I pick?” They’re about coordination—getting taxes, equity compensation, risk, and protection working together so one decision doesn’t quietly create problems somewhere else.

RSU vesting schedules. Overlapping tax brackets. Concentrated stock exposure. Buy-sell agreement gaps. Entity structuring choices that are expensive to unwind. Key-person risk. Deferred comp elections with deadlines you don’t get back.

These issues are rarely solved by a single product recommendation or a generic model portfolio. Conventional rules of thumb—backdoor Roth conversions, “buy term and invest the difference,” and set-it-and-forget-it target-date funds—can still be useful, but they’re often incomplete when your balance sheet includes equity comp, complex taxes, and business or executive-risk exposures.

Most high earners run into three recurring blind spots:

• Tax coordination: timing W-2 income, bonuses, RSUs/ISOs, and deductions across brackets, surtaxes, and phaseouts

• Concentration risk: employer stock and career income tied to the same company or industry

• Protection gaps: liability, key-person coverage, buy-sell funding, and income continuity that don’t match the size of the stakes

The goal isn’t complexity for its own sake. It’s reducing avoidable tax leakage, managing concentration risk intelligently, and tightening the protection around the life you’ve built—with decisions sequenced correctly so you’re not forced into irreversible moves later.