Your Company Stock Built Wealth. Now It Needs a Strategy.
We help tech professionals see how their financial pieces fit together. Evaluate your cash runway, review investment tradeoffs, and build a clear, tax-aware plan for your next chapter.
Fee-only fiduciary guidance for tech employees with concentrated stock and families navigating complex financial decisions.
Concentrated Wealth Creates Concentrated Decisions.
When your net worth relies on one company, every choice connects. We help you balance your taxes, cash runway, career moves, and family goals.
Tax Exposure
Selling shares without a plan can trigger heavy taxes. We review your options to help preserve your after-tax flexibility.
Cash Runway
Planning a sabbatical, home purchase, or career change? We evaluate your liquidity to give you maximum freedom.
Investment Tradeoffs
Holding, selling, or waiting all come with specific risks. The right choice depends entirely on your personal timeline and tax situation.
The Next Chapter Strategy Process
We never start with products. Our focus is finding how your financial pieces connect, highlighting risks, and weighing key tradeoffs.
Connect the Pieces
We review your total stock concentration, equity compensation, tax liabilities, cash needs, and family goals.
Weigh Your Options
We model the impact of holding, selling, and diversifying. Then, we map out the ideal timing for your next move.
Build the Strategy
We design a custom, tax-aware plan. This strategy aligns your investments and liquidity with your long-term vision.
Start With the Level of Clarity You Need
Explore your options at your own pace or dive straight into a focused strategy conversation. Both paths are built to reveal what your current stock plan might be missing.
Explore Potential Planning Blind Spots
Not ready to talk? Find your behavioral biases and financial tendencies with our quick, interactive Wealth Personality Game.
Discover Your Wealth PersonaGet a Strategic Second Opinion
Schedule a focused session to review your concentration risks, tax exposure, and the cash runway required for your next chapter.
Schedule an Equity Strategy Session
Independent Advice for Concentrated Financial Lives.
Our Fiduciary Commitment
369 Financial® is a fee-only Registered Investment Advisor. We operate completely independent of proprietary platforms, sales incentives, and product quotas.
This independence lets us focus entirely on the choices that matter most to you. We help you decide how much stock to hold, when to liquidate, and how to protect your cash runway. Together, we build a clear path for the life you want next.
See Our Wealth Strategy ApproachWhat We Address Within a Tax-Aware Strategy
Concentrated Stock Strategy
We evaluate the unique risks, tax setups, and long-term tradeoffs of holding a large equity position in a single company.
Review Your Stock Strategy →Tax-Aware Diversification
Smart tax planning can dramatically lower drag on your investments. We help protect your wealth based on your exact situation.
Explore Tax-Aware Planning →Cash Runway Planning
We figure out exactly how much cash you need before changing careers, taking time off, or launching a new business venture.
Build Your Runway →Post-Concentration Portfolios
Once you create wealth, the next step is keeping it. We design resilient portfolios that do not rely on a single stock to succeed.
See Our Wealth Approach →Before Your Next Big Move, Understand What Your Stock Position May Mean.
An Equity Strategy Session highlights critical planning blind spots across tax exposure, equity concentrations, liquidity needs, and your broader family goals.
Schedule an Equity Strategy SessionThis material is for informational purposes only and is not intended as individualized investment, tax, or legal advice. Tax-aware planning considerations depend on individual circumstances. 369 Financial does not provide legal or tax advice; consult your tax or legal professional regarding your specific situation.