Financial Planning
for Googlers

Compensation from your GSU 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.

When appropriate, we recommend writing a Google Employee Trading Program (ETP) to automatically sell vested Google stock units (GSUs) during blackout periods. This strategy helps you manage risk and streamline diversification.

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.

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 risk
• 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.

We provide GSU and restricted stock planning, tax strategy, investment management, and retirement planning.

We analyze your vesting schedules and the tax impact, and create a diversification strategy.

We implement tax-aware diversification, assist with enrollment in the ETP (employee trading plan) or a 10b5-1 plan, and strategize using stock for charitable giving.

We use timing strategies, donor-advised funds, and prepare tax projections.

We model your cash flow to determine a savings target, integrating variable income into your long-term plan.

Yes. We help you maximize your retirement contributions, including after-tax Roth contributions through your employer plan as appropriate for your situation.

We review your GSU inventory and strategize next steps, advise on various benefits such as medical insurance, assist with a seamless rollover of your 401(k) to an IRA, all while considering tax implications.

Yes. We evaluate buying vs. renting, a mortgage strategy, and liquidity in tech markets.

Absolutely. We specialize in the complex planning needs of tech employees.