Financial Planning for Dual-Income Couples With Company Stock
You're building a life together. Let's build one plan for your salaries, your stock, and the goals you share.
Schedule a Discovery Meeting
Sound familiar?
Two good incomes should make money easier. Often, it just makes it more complicated.
You know roughly where the money goes, but not fully. And then you wonder why there isn't enough for the things you want.
One of you has stock compensation, and only one of you understands it. Or neither of you does.
Your combined income pushed you into a higher tax bracket and your withholding didn't keep up.
You have two benefits packages and haven't compared them to choose the best health plan, retirement accounts, or insurance.
You handle money differently. One saves, one spends, or one earns much more than the other.
You're planning a wedding, a home, or kids and aren't sure what you can afford.
How we help
Bring both financial lives into one plan. We organize your accounts, benefits, and stock plans in one place, so you both see the full picture.
Plan taxes for your combined income. We estimate what you'll owe as a household, including stock vests and sales, and help you avoid underpayment surprises.
Coordinate your benefits. We compare both employers' health plans, retirement accounts, ESPPs, and insurance to help you get the most from both.
Make stock decisions together. We help you decide how much company stock your household should hold and when to sell, based on shared goals rather than one person's guess.
Agree on how money works in your home. We help you set up a spending and saving system that respects both of your styles, whether you earn similar or very different incomes.
How working together works
You work with Longitude through an ongoing financial planning subscription. Meetings include both of you, so neither partner is left out of the decisions. We check in before vests, open enrollment, and tax deadlines, and update your plan as your life together changes. Investment management is available but not required.
Questions we hear
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Many couples can. But two careers, two benefits packages, and stock compensation create a lot to track. We help you catch the coordination gaps that are easy to miss when you're both busy.
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Longitude is a fee-only fiduciary. We're paid only by our clients and never earn commissions, so our only incentive is giving you advice that fits your household.
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Consider the cost of common mistakes, like an unexpected tax bill on vested stock or holding too much of one company. Our goal is to help you make informed decisions that are worth more than the fee.
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That's usually the best reason to start. We can begin with one priority, like this year's tax estimate or your next big purchase.
One household. One plan.
Schedule a conversation together. We'll talk about your careers, your stock, and what you want your next five years to look like.