Tailored advice for CORPORATE EXECUTIVES

As a corporate executive, you devote your time to leading your organization. You deserve a partner who helps keep your personal financial goals on track – one who understands the complexities of executive benefit plans, equity compensation, and concentrated stock positions.

We’ll help you build and maintain a comprehensive financial plan, navigate the unique considerations that come with holding company stock, and make informed decisions about managing concentration risk. Our goal is to give you confidence in your financial path so you can stay focused on leading your company and living your best life.

Discover the ways we can help Get in touch

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A comprehensive suite of solutions to evaluate the interconnected financial, equity, and corporate decisions that shape an executive’s overall strategy.

Build a tailored financial plan aligned with your estate, charitable, investment and long-term goals
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Assess your equity awards and whether a Rule 10b5-1 trading plan supports your objectives
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Reduce concentrated stock risk through outright sales, collateralizing shares or with a tax deferral solution like equity exchange funds
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Access to M&A expertise, evaluate capital-raising options and execute corporate share repurchase programs
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Manage downside exposure by selling call options or by entering a prepaid variable forward contract
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Address executive benefits, equity compensation and retirement plan needs with an integrated approach
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Avoid capital gains tax and receive a tax deduction when donating appreciated stock to a donor advised fund
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Milestones

First 100 days

As you settle into your role in the C-suite, we can help you:

  • Optimize benefits and compensation
  • Analyze vested and unvested awards and any holding requirements or reporting requirements
  • Smooth out and minimize taxes, working with your tax professional

Changing jobs

When a new opportunity arises, we can help you:

  • Assess how it will impact your financial plan
  • Run hypothetical scenarios
  • Factor in cost of living and retirement goals

Moving into retirement

As you prepare to retire, we can help you:

  • Optimize deferred compensation
  • Create a tax-efficient retirement income plan
  • Deploy strategies to manage concentrated stock

Related Resources

If you own company stock in a retirement plan, you may be able to take advantage of the long-term capital gains tax rate rather than your ordinary income tax rate on this investment. Normally all earnings withdrawn from a retirement plan are taxed as ordinary income, at ordinary income tax rates. However, if you take an in-kind distribution of your employer's company stock from your retirement pla...
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Retirement
Recovering from a devastating investment loss takes both time and very often new contributions. Even a very large investment loss can be recouped if you are able to leave your money invested and begin adding new money. This calculator helps you determine what it might take to regroup, rebuild and regrow after such an investment loss.
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Savings And Investments

Let us help unify and simplify your complex financial life.

See how it all comes together
Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

*Diversification does not guarantee a profit nor protect against loss.

** Selling a call option provides an upfront premium that increases current yield on the stock position. Investors receive immediate liquidity and are hedged to the extent of the premium received, but at a significant downside price risk, and forfeit upside appreciation above the call strike. Options involve unique risks, tax consequences and commission charges and are not suitable for all investors. When appropriate, options should comprise a modest portion of an investor's portfolio. Prior to making any options transactions, investors must receive a copy of the Options Disclosure Document which may be obtained from your financial advisor, from theocc.com/about/publications/character-risks.jsp or by contacting Raymond James at 880 Carillon Parkway, St. Petersburg, FL 33716. Supporting documentation for any claims (including any claims made on behalf of options programs or the options expertise of sales persons), comparison, recommendations, statistics, or other technical data, will be supplied upon request.
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