Retirement Planning for Professionals With Company Stock
You've built real wealth through your career. Let's turn your company stock into income you can count on for the rest of your life.
Sound familiar?
You're in your late 40s, 50s, or early 60s. Retirement is close enough to plan for, and your company stock is a big part of the picture.
Too much of your net worth is in one company, and you're not sure how to reduce it without a big tax bill.
You have stock options or unvested shares and don't know what happens to them when you retire.
You've thought about retiring early but aren't sure your savings can cover the years before Social Security and Medicare.
You don't know how much you can safely spend each year once paychecks stop.
Taxes in retirement worry you, from Social Security taxes to Medicare surcharges.
You've never had a written plan for how and when to leave work
How we help
Reduce concentration on a timeline. We build a multi-year plan to sell company stock gradually, spreading out the taxes and lowering the risk of one company's decline affecting your retirement.
Plan stock decisions around your retirement date. We review your options, RSUs, and grant agreements to understand what vests, what expires, and what you might forfeit, and time decisions around when you plan to leave.
Use low-income years to your advantage. The years between your last paycheck and Social Security may offer chances for Roth conversions or selling stock at lower capital gains rates. We help you plan for them in advance.
Build your retirement income plan. We map out which accounts to draw from and when, and help you decide when to claim Social Security, so your income lasts as long as you need it.
Bridge the gap to Medicare. If you retire before 65, we help you plan for health insurance and keep an eye on income levels that can trigger Medicare premium surcharges later.
How working together works
You work with Longitude through an ongoing financial planning subscription. In the years before retirement, we meet regularly to adjust your stock-sale plan, tax strategy, and retirement date as markets and your career change. Investment management is available if you'd like us to manage the portfolio you retire with.
Questions we hear
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And you've likely done well. Retirement brings a different set of decisions, like withdrawal order, tax timing, and when to sell concentrated stock, that are hard to undo once made.
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Longitude is a fee-only fiduciary. We're paid only by our clients, never sell products or earn commissions, and are required to act in your best interest. You'll always know how we're paid.
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We'll be clear about our fees upfront. Ask any advisor, including us, to explain exactly what you get and how it connects to your retirement decisions.
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Retirement planning takes time. Many decisions, like spreading stock sales over several tax years, work better with more time.
Retire on your terms, not your company's stock price.
Tell us when you'd like to retire and what you own. We'll help you see what it takes to get there.