Family Financial Planning for Parents With Equity Compensation
Your family depends on your income. Let's make sure your plan works whether your stock goes up, goes down, or your job changes.
Schedule a Discovery Meeting
Sound familiar?
Raising kids while growing your career means every dollar has a job. Sometimes three.
Childcare, your mortgage, and savings all compete for the same paycheck.
You worry that if something happens to your job, everything else falls apart.
Your stock could pay for big goals, but you don't know which ones or when to sell.
You want to save for college but aren't sure how much, or which account to use.
You know you need life insurance and a will but haven't gotten around to either.
Your tax situation got more complicated with kids, stock, and a bigger income, and your CPA only sees it once a year.
How we help
Separate needs from wants, and salary from stock. We help you build a plan where your salary covers your family's essentials and your stock funds goals on top of it, so your household doesn't depend on a single vest or stock price.
Prepare for the unexpected. We help you size your emergency fund and plan for a job change or layoff, including what happens to unvested stock.
Save for college the right way. We help you decide how much to save, compare 529 plans and other options, and balance education savings against your own retirement.
Protect your family. We help you figure out how much life and disability insurance you need and make sure your will, guardianship choices, and beneficiaries are in place.
Plan taxes before they're due. We estimate your household's taxes each year, including stock income, and look for family-related opportunities like dependent care and health savings accounts.
How working together works
You work with Longitude through an ongoing financial planning subscription. We check in before vests, tax deadlines, and big family milestones, and update your plan as your kids grow. Investment management is available but not required.
Questions we hear
-
We understand. Parents are the busiest clients we work with. We do the research and bring you clear decisions, and we can start with your most pressing priority.
-
Longitude is a fee-only fiduciary. We're paid only by our clients, never earn commissions, and are required to act in your best interest.
-
Calculators help with one question at a time. A plan connects them, so your college savings, insurance, stock sales, and retirement work together instead of competing.
-
That's exactly why it matters. When money is tight across many goals, a plan helps you put each dollar where it does the most for your family.
Build a plan your family can count on.
Tell us about your family, your work, and your stock. We'll help you see what's covered and what needs attention first.