Finanical Planning for Google Executives & Employees
Hello Googlers! Want to make the most of Google-specific benefits and opportunities? You’re in the right place.
In addition to the best-in-class services we offer all clients, we specialize in helping Google employees with customized financial planning.
How We Can Help Google Employees
Googlers come to us for help with:
- Strategic Google Stock Unit (GSU) diversification
- Tax minimization
- Risk mitigation
- Establishing a plan to achieve goals
Often, Google employees and executives have a portfolio that is overweight to Google stock after years of restricted stock (GSU) vesting without taking action to sell.
This overexposure can increase your financial risk. We help Googlers determine an appropriate amount of Google stock to hold and create a tax-efficient diversification plan to reduce risk.
Are you maximizing your Google benefits?
Mission Wealth offers tailored guidance to Googlers, assisting them in creating personalized strategies for diversifying assets, securing financial stability, and minimizing market volatility risks with planning such as:Google GSU Vesting Schedules
Compensation from your GSUs can be significant. Our planning work includes creating a GSU vesting schedule to understand what’s vesting over the next 3-to-5 years. This is just one step in your strategic financial plan.Cash Flow Projections
Our cash flow planning integrates your GSU vesting, income, expenses, and annual taxes. By calculating your annual surplus or deficit, we create a personalized plan to help you manage cash flow effectively and achieve your financial goals.Diversification
We’ll work with you to set a target for how much Google stock to hold and develop a tax-efficient plan for diversification. This process ensures that your portfolio is balanced and aligned with your long-term goals.Google Employee Trading Plan (ETP)
When appropriate, we recommend enrolling in Google’s Employee Trading Program (ETP) to automatically sell vested Google Stock Units (GSUs) during blackout periods. This strategy helps you manage risk and streamline diversification.Mega Backdoor Roth 401(k)
On an annual basis, we gather data about your bonus and salary, and we strategize your 401(k) contributions and elections to maximize pre-tax, after-tax, and employer contributions. Then, we guide you to make in-plan Roth conversions and confirm they have been made.Financial Independence Projections
If you’re lucky enough to have been at Google for a long time or receive large refresher grants, you may be on track for early financial independence. Our long-term projection models can explore scenarios like early retirement, startup investing, and even large purchases, giving you the confidence to venture ahead, secure in the knowledge that you have a solid plan that’s adaptable as your situation or aspirations change.Risk Management
Effective risk management, also known as insurance planning, can protect your assets from catastrophic loss. You want to strike the right balance—not too much insurance, but not too little— to cover potential loss of income or large, unexpected expenses that could harm your health or wipe out your savings. Google employees receive generous insurance benefits, including no-cost term life insurance, the opportunity to purchase additional coverage, and survivor benefits.
We’ll work with you to identify costly gaps and overlaps, ensuring that your plan is both comprehensive and cost-effective.
Financial & Tax Planning
We provide ongoing financial planning tailored to your needs. Every aspect of your income—from refresher GSU grants to raises and bonuses—is incorporated into a personalized cash flow projection to balance short-term liquidity needs with long-term goals.
This approach ensures that major purchases are stress-free and your wealth is preserved by:
- Minimizing income taxes
- Taking appropriate investment risks
- Protecting your hard-earned assets
As your situation changes or new opportunities arise, we can adapt your financial plan to align with your changing goals. So, you have the peace of mind that comes with feeling financially secure.