Tax-Efficient Financial Planning for Millennials with Equity Compensation
And you have lots of questions
Good news: you’re in the right place
Presidio Advisors helps Millennials plan for and answer questions pertaining to equity compensation, such as:
What are the tax implications of exercising my options?
Will I have to pay Alternative Minimum Tax (AMT)?
Are my options QSBS eligible?
Should I early exercise via 83(b) election?
What is a bargain element?
How much cash do I need to buy my equity?
What is an appropriate level of concentration risk?
How do I ensure a qualifying disposition?
How can I minimize regret?
Equity comp is confusing. Tax optimization is complex.
You deserve an advisor who gives you confidence and clarity around your equity-specific planning needs and questions.
Meet Josh Radman
I transitioned into financial planning from tech where I, too, had various types of equity grants. And, honestly, it was exciting to have ownership stakes in these companies.
But that excitement quickly faded into confusion and frustration when I couldn’t find anyone to help me strategize on my options and shares. It’s one thing to know that Alternative Minimum Tax exists – it’s another to actually develop a holistic plan around it.
Since then, I’ve dedicated my career to helping others gain clarity and confidence around their equity compensation and path to financial independence. Developing deep, long-lasting relationships with my clients is what gets me up in the morning and is the reason I started Presidio Advisors.
I’m based in Denver, CO and serve clients virtually across the U.S.
How Presidio Advisors is Different
1) An expert in equity compensation
Would you see a dermatologist for advice on your heart condition? Specialists – in both medicine and finance – have deep expertise in unique arenas, helping to improve outcomes while preventing sub-optimal decisions. My expertise is in helping Millennials navigate their equity comp.
2) Holistic tax forecasting included
Wealth advisors at large firms will manage your assets – but typically shy away from any tax projections. I help to provide visibility into your tax situation to avoid unanticipated surprises.
3) No % charge for “assets under management”
Most advisors charge a percentage of “assets under management” (AUM) based on the size of your portfolio. Typically, that percentage is anywhere from 0.7% to 1.5% in addition to an annual fee. Instead, I charge one flat rate. No surprises and no conflicts of interest.
4) Foundational estate document preparation included*
Your flat, annual fee includes access to online platforms to aide you in the initial creation of foundational estate planning documents (such as wills; revocable trusts). *See ADV for details; for qualifying clients only.
5) A completely independent fiduciary
I have no affiliation with – nor receive compensation from – any banks, brokerages, insurance companies, or other third-parties that may exert pressure or otherwise try to influence my recommendations. I am legally obligated to put your interests before those of my own.
6) You always get me
With big advisory firms, you may be one of 200 clients assigned to a particular advisor. And that advisor might not always be on the other end of the line. Presidio Advisors is small and intimate by design. You always get me. And we pick up right where we left off.
My Mission
My mission is to empower you to gain clarity and confidence in attaining your financial goals so that you can focus on other things in life.
Any robo-advisor can pick a decent mutual fund and send you on your way. But most folks are looking for more than that. I help:
Give you confidence and clarity in your financial and life plans
Identify potential blind spots
Validate your ability to reach personal goals
Share unique perspectives that you may not have considered
Answer questions without any judgement
Proactively communicate and quickly respond to your concerns