Corporate Professionals & Executives
Focus on your career. We’ll focus on your capital.
You are an expert in your field, dedicating long hours to drive results for your company. But as your income and assets grow, so does the complexity of your financial life. You don’t have the time to research stocks, track bond yields, or manage risk daily. You need a partner who brings the same level of professionalism to your wealth that you bring to your career.
1. Account Consolidation
It is common for successful professionals to accumulate a trail of "financial clutter"—old 401(k)s from previous employers, scattered IRAs, and neglected brokerage accounts. We bring order to chaos. By consolidating these assets into a cohesive, actively managed strategy, we provide you with a clear picture of your net worth and ensure every dollar is pulling in the same direction.
2. Outsourced Chief Investment Officer
You wouldn't attempt to do a job you aren't trained for at work, so why do it with your life savings? We act as your personal CIO. While you are in meetings or managing teams, we are monitoring the markets, adjusting allocations, and managing risk. We provide the peace of mind that comes from knowing a professional is watching the dashboard 24/7.
3. Institutional-Grade Expertise
You deal with professionals all day. Your advisor should be one too.
Many "advisors" are simply relationship managers. At Constant Guidance, you are working directly with a Portfolio Manager who holds the CFA® (Chartered Financial Analyst) designation.
This is the same credential required by top institutional money managers on Wall Street. We apply that same rigorous, analytical framework to your personal portfolio, utilizing strategies like individual stock selection and Treasury Management that are often unavailable in standard 401(k) plans.
4. Managing Concentration Risk (Stock Options/RSUs)
For many executives, a large portion of wealth is tied up in employer stock (RSUs, Options, or ESPP). While this can build wealth, it creates a dangerous concentration risk—your income and your assets are tied to the same company.
We help you build a strategy to intelligently diversify. We monitor your vested shares and systematically rotate capital out of your employer’s stock and into a diversified portfolio of Growth Stocks and Income Generating Assets. This secures your gains and ensures a single corporate event doesn't derail your financial future.
Beyond the 401(k): Specialized Executive Planning
Tax-Efficient Withdrawal
Strategies to minimize tax drag during your peak earning years, including tax-loss harvesting and asset location.
Deferred Compensation
Analysis of Non-Qualified Deferred Compensation (NQDC) plans to determine optimal deferral amounts and payout schedules.
Backdoor Roth IRAs
Navigating income limits to facilitate Backdoor Roth conversions, allowing high-earners to build tax-free retirement wealth.
Maximize Your Human Capital
You handle the career. We'll handle the wealth. Let's consolidate your accounts into a strategy that works as hard as you do.
Get Professional GuidanceImportant Executive Planning Disclosures:
Not Tax or Legal Advice: Constant Guidance Financial does not provide legal or tax advice. Strategies mentioned such as "Backdoor Roths," "10b5-1 Plans," or "Tax-Loss Harvesting" involve complex tax codes and legal regulations. Clients should consult with their own qualified tax professionals (CPA) and estate attorneys regarding their specific circumstances before implementing these strategies.
Concentrated Stock Risk: Strategies to diversify concentrated stock positions (RSUs, Options) may result in immediate tax consequences, including capital gains taxes. Selling a concentrated position reduces the risk of single-stock exposure but also eliminates the potential for further appreciation of that specific stock.
IRA & Rollovers: When rolling over assets from an employer-sponsored plan (401k) to an IRA, an investor should consider various factors including fees, investment options, and creditor protection. There is no obligation to roll over assets to Constant Guidance Financial.
CFA® Designation: CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.