Focus on Leading While We Guide Your Wealth Strategy
As an executive, your financial life is complex, but your time is limited.
Partner with an experienced wealth management team to stay focused on your professional responsibilities.
We handle the financial details behind the scenes, bringing clarity, coordination, and confidence to your financial decisions.
At 360 Financial, we help you make informed, goal-driven choices.
Get Ready for Retirement
What Should You Expect from Your Wealth Management Team?
When working with a wealth management team, you should expect proactive guidance, not reactive advice.
Choose a team with extensive experience in executive compensation and work to ensure they collaborate closely with your CPA on tax strategy.
Expect planning that reflects both your personal and professional priorities. Above all, expect a fiduciary relationship built on transparency and independence.
How 360 Financial Helps Corporate Executives Preserve Wealth
Executive Compensation & Benefits Planning
Complex pay packages simplified.
We seek to optimize compensation benefits for executives, including bonuses, pensions, and deferred compensation plans, using tax-aware strategies.
Stock Options & Tax Planning
Reduce taxes. Avoid costly missteps.
We guide your planning around restricted stock options, RSUs (Restricted Stock Units), and equity awards, including timing, taxation, and blackout periods.
Investment Strategy & Management
Purposeful investing, not guesswork.
Set clear financial goals and use disciplined asset allocation and thoughtful portfolio diversification to guide your investment decisions.
Personalized Financial Planning
Get a plan tailored to your precise goals.
We align your financial plan with your career demands, retirement timelines, and family needs.
Smart Risk Management
Preserve what you’ve built.
We use insurance and diversification strategies to address concentration risk, volatility, and unforeseen events, working to preserve your long-term wealth.
Estate & Generational Wealth Planning
Plan for the next generation.
We review your existing estate plan and project future scenarios to support your family legacy planning and charitable giving goals.
Customized Wealth Management Strategies
Executives face unique challenges, from high tax exposure to concentrated wealth. 360 Financial’s integrated approach covers all four pillars of wealth management:
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Asset Management
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Tax Planning
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Risk Management
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Estate Planning
With every client, we create a clear path to accumulate and preserve wealth.
360 Financial’s Advisors
How It Works: The LifeWealth System
Discovery
We begin by understanding your complete financial picture and answering one key question: What’s important to you?
Design
We create a customized LifeWealth Plan that aligns with your financial objectives, career stage, and long-term vision.
Deployment
We implement your strategy and provide ongoing management, meeting regularly to adjust as your financial needs evolve.
Management and Review
Continue with ongoing management and review. A plan is never one-and-done. After we set the plan in motion, we monitor it. Meet with your advisor annually or semiannually to review and realign.
Key Questions Your Wealth Advisor Should Help You Answer
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I pay so much in taxes. What can I do to keep more of my money?
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Most of my net worth is tied to one company. How do I reduce this risk without triggering hefty taxes?
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How do I make the most of my deferred compensation plans or restricted stock options?
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If something happened to me, would my family be financially confident?
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Am I making wise investment decisions, or just reacting to what’s happening?
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Do I actually have enough, or am I just hoping it works out?
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Is my financial strategy coordinated or fragmented?
If your advisor doesn't help you gain clarity on these key questions, schedule a call with a 360 Financial wealth advisor to learn how you can plan for the future prudently.
How to Choose the Right Wealth Management Partner
Look for a team with deep executive experience, strong CPA collaboration, and a clear, time-tested process.
Your advisor should understand company benefits and equity compensation. They should understand and be able to help plan for the real-world tradeoffs executives face.
Most importantly, they should act as a fiduciary at all times.
Choose Holistic Wealth Management in a Fiduciary Environment
Fiduciary financial advice means every recommendation is made in your best interest.
For executives, that means coordinated planning across taxes, investments, retirement, and legacy, without conflicts of interest. Your advisor should always be putting your best interests first.
They should never be pushing high-priced products that don't serve your goals.
Discover How 360 Financial Serves Executives
At 360 Financial, our advisory team specializes in the financial complexity that comes with leadership roles.
From tracking stock option timelines to managing tax exposure, our advisors provide personal attention designed for high-earning professionals with demanding schedules and complex compensation packages.
To learn more, schedule a call with an advisor.
CLIENT CASE STUDY
Bringing Order to Complexity: A Tax-Smart Strategy for Two Director-Level Executives
Mark and Sarah* did many things right—maxing contributions, joining company programs, and holding their earned equity.
But without one strategy, even smart moves overlapped risks:
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Heavy concentration in employer stock, both through RSUs (restricted stock units) and the ESPP (employee stock purchase plan)
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Uncoordinated gains and losses across accounts, leaving tax efficiency on the table.
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Mutual funds generate unexpected capital gains distributions each year.
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Uncertainty around whether Roth (after-tax contributions that potentially grow tax-free) or pre-tax (contributions made before taxes and taxed upon withdrawal) 401(k) contributions made more sense at their income level
The Strategy
RSU Exit Plan
RSUs are taxed as income at vesting—just like a cash bonus in shares. Holding them longer doesn’t defer tax but adds stock risk. We built a plan to sell RSUs at vesting and promptly reinvest the proceeds in a diversified portfolio, reducing employer exposure while managing tax impact.
ESPP Exit Strategy
Mark's ESPP allowed him to purchase shares at a 10% discount — a compelling perk, but one that had built up significant single-stock concentration. We identified a disciplined exit price, set a limit order at $105 per share through his brokerage platform, and let the market do the work. When the target was reached, shares were automatically sold, locking in a favorable exit without daily monitoring.
Coordinating Gains and Losses
While Mark's ESPP position was being exited at a gain, Sarah held corporate shares that had declined in value. Rather than treating them separately, we viewed them as part of the same tax picture — harvesting Sarah's losses to offset Mark's gains and minimizing the couple's overall tax drag for the year.
Transitioning to Tax-Efficient Investments
Their Vanguard account held mutual funds that generated capital gains each year—a feature that results in taxable income regardless of sales. We mapped a shift to ETFs that seek to avoid these distributions, reduce excess S&P 500 exposure, and build a more diversified portfolio—preserving tax efficiency and aligning with their broader goals.
401(k): Pre-Tax Now, Roth Later
We projected their tax rates from now through retirement. The result: Pre-tax 401(k) contributions are most valuable at current income levels. The plan—contribute pre-tax now, convert to Roth during lower-income retirement years—seeks to minimize lifetime taxes and aligns with their long-term vision.
The Outcome
Mark and Sarah now have a coordinated plan working across all accounts.
Complexity gives way to clarity—a sequence for what to sell, when, for how much, and where to reinvest, supporting their life and asset goals in tandem.
More than any tactic, we delivered integration.
Their RSUs, ESPP, taxable investments, and retirement accounts now work as one system—tax-smart, aligned with their goals, and designed to adapt as their lives evolve.
Names and identifying details have been changed to preserve client privacy. This case study is for illustrative purposes only and does not constitute financial or tax advice.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All indices are unmanaged and may not be invested into directly. This information is not intended to be a substitute for individualized tax advice. We suggest that you discuss your specific tax situation with a qualified tax advisor. Investing involves risk including loss of principal. No strategy assures success or protects against loss.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.
Wealth Management FAQ
The three most critical elements are equity compensation planning, tax planning, and legacy planning. Executives often receive complex pay packages and face the highest tax rates. They have families dependent on their income.
Coordinating these areas seeks to ensure decisions are tax-efficient, aligned with long-term goals, and preserve generational wealth.
What are the top three elements of wealth management for executives?
Executives should look for an advisor with direct experience navigating executive compensation structures, strong coordination with CPAs, and a disciplined planning process.
A fiduciary advisor who understands stock options, deferred compensation, and tax exposure can proactively manage complexity rather than reacting after costly decisions have already been made.
What should executives look for in a wealth management advisor?
Balancing short- and long-term priorities requires integrating lifestyle needs with retirement and legacy planning. Executives benefit from modeling cash flow, equity events, and tax obligations together so that near-term decisions (e.g., exercising stock or selling shares) support long-term financial security.
How can executives balance short-term goals with long-term financial planning?
In addition to traditional 401(k)s, executives may benefit from cash balance plans, deferred compensation plans, and tax-efficient charitable strategies. These tools can allow significantly higher pre-tax contributions, reduce current tax liability, and support long-term financial independence.
What retirement savings opportunities should executives consider?
The most common financial mistakes executives should avoid include:
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Underestimating tax exposure, especially on bonuses, equity compensation, and deferred income
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Failing to plan around equity compensation, including exercise timing (when you can use it), blackout periods (when you’re blocked from trading it), and tax consequences (how it is taxed)
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Maintaining excessive concentration in company stock, increasing risk without a diversification strategy
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Delaying proactive planning, which reduces flexibility and limits tax-efficient options when major decisions arise
What are the biggest financial mistakes executives should avoid?
360 Financial’s proprietary LifeWealth System enables our advisors to deeply understand their clients’ goals and dreams, crafting a customized financial plan and investment portfolio that aligns with these goals.
Our advisors offer personalized, comprehensive financial strategies with a proactive, client-centered approach and a commitment to working toward our clients’ long-term financial freedom.
360 Financial’s active investment committee ensures your investments are managed effectively and aligned with your objectives.
What makes 360 Financial’s advisors different?
🔍 Professional Insights: The content on this page is based on the insights from Will Grant, Senior Wealth Advisor at 360 Financial. Will Grant is a financial advisor with 10 years of experience helping executives and families prepare for retirement, implement wealth transfer strategies, or navigate other impactful financial events.
