Financial guidance built specifically for tech employees with equity compensation.
RSUs, ISOs, options, AMT, QSBS: many advisors treat them as a side service. Mitchell Ludwig, CFP® Professional, is a fee-only fiduciary advisor whose practice is built around them, guided by the EQUITY System™.
Comprehensive Financial Planning
Planning is the foundation, and equity compensation is the specialty built on top of it. We coordinate directly with the professionals your situation calls for, including your CPA and estate attorney, so everything connects into one plan instead of living in silos. And we hold a deliberate cap on the number of clients we serve, so each plan gets the attention it deserves from end to end.
Retirement Planning
We model your 401(k), IRA, and brokerage balances against your retirement date, layering in equity vesting and liquidity events so the projection reflects reality. You leave with a specific savings rate and milestone timeline instead of a generic "save more" recommendation.
Investment Management
Concentrated equity positions are the default for tech employees and a common source of unplanned risk. We can build a diversified portfolio alongside your comp and set a systematic diversification schedule designed to reduce single-stock exposure without triggering unnecessary tax events.
Diversification is an investment strategy that can help manage risk within a portfolio, but it does not guarantee profits or protect against loss in declining markets.
Tax Strategy
We coordinate with your CPA and model tax scenarios before each vest date, not after the W-2 arrives. Year-round planning across ordinary income, RSU events, ISO exercises, capital gains harvesting, and charitable giving tied to your equity schedule.
Estate Basics
We align beneficiary designations across every account, flag what needs an estate attorney, and plan what happens to unvested equity and options in the event of death or disability. It is the critical coordination many people skip, short of comprehensive estate law.
Insurance Analysis
We review term life, disability, umbrella, and employer-provided coverage against your actual income, equity value, and obligations. Many tech employees are underinsured on disability and overinsured on term. We right-size both and document what needs to change.
+ Equity Specialization
If you needed heart surgery, you wouldn't book your primary-care doctor. You'd want the surgeon who's done the operation a thousand times. Equity compensation works the same way. A specialist who lives in RSUs, ISOs, and AMT every day sees the traps a generalist misses, and gets specific in ways a workplace portal structurally can't.
Equity Advisory
A dedicated plan for every ISO, RSU, and option grant — exercise timing, AMT exposure, liquidation strategy, and long-term wealth. The EQUITY System™ is the six-step framework that makes this possible.
See how the EQUITY System™ worksFree resources
Blog & Newsletter
ISO timing, RSU taxes, AMT planning — deep dives on the decisions that matter.
Educational Videos
Short explainers on equity compensation concepts — no jargon, no fluff.
Equity Breakdowns
Plain-English guides to RSUs, ISOs, NSOs, and ESPP — what they are and how they work.
Tools & Calculators
AMT exposure, RSU withholding, million-dollar mistake — run your real numbers.
Common Questions
Ready to Start?
Ready to take control of your equity?
Book an Equity Strategy Call