Financial planning and investment management
You may know what your company stock is worth. The harder question is what it needs to do for you. We help current and former tech professionals connect equity compensation, cash needs, investments, and the decisions ahead.
Free intro: 20 minutes to discuss your situation and whether we're a fit. No financial advice or recommendations on this call. Booking opens in a new tab.
Financial planning defines what your resources need to do. Investment management addresses how your portfolio supports that plan.
Build a financial strategy around your household, rather than treating each account or stock decision in isolation.
The planning scope depends on the decisions you face and the work we agree to undertake.
Manage investments with a purpose for the money and a clear view of the company stock you hold.
Which accounts we manage, the responsibilities involved, and fees are agreed before work begins.
369 Financial is fee-only: we are paid by clients and do not earn commissions for recommending products.
A plan should account for what matters outside the portfolio, too.
Evaluate vested shares, RSUs, stock options, ESPP holdings, and future awards. We do not begin with a blanket instruction to sell.
Review withholding, cost basis, tax lots, and timing tradeoffs alongside concentration and cash needs. Coordinate tax questions with your CPA.
Estimate the resources needed for a career break, job change, or home purchase. Where relevant, compare financing alternatives, including asset-based approaches, lender requirements, costs, and collateral risks.
Explore how stock gifts or charitable contributions could fit your goals, with ownership, tax, and legal questions coordinated with the appropriate professionals.
Define what the proceeds need to do before deciding to sell: fund a goal, build cash reserves, or invest elsewhere. Consider those choices alongside any company stock you retain.
Start with an introduction. Decide on further work once you understand the next step.
A 20-minute conversation about your situation and fit. No financial advice or recommendations are provided.
If we're a fit, a 30-minute session discusses the strategy your situation may require. We discuss the roadmap together, and you receive it in writing after the session.
We discuss planning, investment management, or both. Scope, fees, and responsibilities are agreed separately before that work begins. There is no obligation to continue.
See meeting details and the $195 session's payment and refund terms (opens in a new tab).
We do not currently have an asset minimum. Our company-stock work is especially relevant when employer equity materially affects your financial choices. Fit depends on your needs and the work required.
Current and former tech professionals are a primary focus. We also work with individuals and families outside technology when their needs and our services are a fit.
There is no predetermined answer. We evaluate holding or reducing stock alongside future compensation, taxes, cash needs, your other investments, and your goals.
No. The educational tool is optional. You can book a free introduction without completing it.
369 Financial does not provide tax or legal advice. We consider tax-related questions within financial planning and can coordinate with your tax and legal professionals.
Tell us what you're weighing. We'll discuss your situation and whether our services fit the work you need.
20 minutes. Free. An introduction—not personalized financial advice. Booking opens in a new tab.