Who we help · Engineers & tech professionals
Your equity, your accounts and your family, in one clear plan.
If you work in tech, much of your net worth may sit in RSUs, options, ESPP shares and retirement accounts, each with its own rules. We help you organize them into a plan that protects your family and, where it makes sense, moves future growth out of your taxable estate.
How we help
The questions that come up at this stage of life
Our practice focuses on California families with U.S.-based assets.
- RSUs and stock optionsVested shares can go into your living trust. Unvested grants follow your company's plan rules, so we coordinate the trust with how they pay out.
- ESPP and brokerage accountsThese are easy to leave outside the trust. We explain how to title them so they are held in the trust where appropriate.
- 401(k)s and IRAsRetirement accounts pass by beneficiary designation, not by your trust. We make the two work together.
- Highly appreciated company stockA grantor retained annuity trust (GRAT) can direct future growth to your children, with a calculated gift that can be small or close to zero. Results depend on performance and the IRS rate.
- A growing estateIf your estate may exceed the federal exemption, lifetime gifting and trusts like SLATs may reduce future estate tax, with trade-offs in access and control.
Revocable Living TrustsSet out who receives what, with a path that generally avoids formal probate for trust assets.Grantor Retained Annuity Trusts (GRATs)Direct the future growth of appreciating stock to your children, with a calculated gift that can be small or close to zero.Estate & Gift Tax PlanningSLATs and lifetime gifting for estates that may exceed the federal exemption.Powers of Attorney & Health Care DirectivesChoose the people who make financial and medical decisions if you can't.
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Request an appointmentLet's talk about your plan.
Meetings are by appointment, weekdays 9:30 AM – 5:00 PM, by Zoom or at our offices. Call 888.380.2288 or 415.693.8882, or request a time online. Consultations in English, Cantonese or Mandarin.