◈ Homepage — http://www.brickleywealth.com/Skip to main content SERVICES WEALTH SOLUTIONS LEARN FIRM LOG IN SCHEDULE A CALL Your family of financial advisors for generations to come. Helping people to achieve their goals and plan for the future. LEARN MORE Ready to make a plan? We make it easy. We help you invest for the future. Learn about our Investment Strategy. WHY CHOOSE BRICKLEY We are solution-oriented with one simple goal—to exceed yours. Tax Advantage We offer comprehensive income, trust, estate and gift tax planning and tax preparation services. See Our Tax Services Holistic View Brickley combines wealth management and tax planning that helps support your future. Explore Services Nimble Team One team working together to manage your finances, investments, and taxes. Meet Our Team Combined CPA & Financial Advisor We provide the integrated services of CPAs and financial advisers to address your financial needs. Learn the Benefits Let's create your big picture together. Investment Strategy The investment strategy that balances risk, return, and tax efficiency for long-term investors. Read Our Investment Strategy Wealth Management We take a comprehensive and customized approach to create a plan that considers the present and the big picture. Explore Wealth Management Tax Planning We’re mindful and strategically tax efficient to optimize returns. Explore Tax Planning BRICKLEY VERSUS OTHERS The Benefits of Having a Combined CPA & Financial Advisor at Your Service SERVICES Brickley CPA Only Financial Advisor Only Fully Integrated CPA & 
Investment Advisory Services We combine tax, investment, and financial planning into one seamless approach. Comprehensive Financial Planning Beyond just tax preparation or investment management, we create a full financial roadmap. Tax-Smart Investment Management We ensure investments are structured and managed with tax efficiency in mind. Proactive Tax Planning We don’t just prepare taxes—we develop forward-looking tax strategies. Tax Preparation As a full CPA firm, we handle personal, trust, and gift tax preparation. Guidance on Major 
Financial Decisions We help navigate liquidity events, retirement timing, real estate, and more. Liquidity Planning for 
Business Owners We provide tax and investment guidance for business owners selling their company to maximize after-tax proceeds and long-term financial security. Liquidity Planning for 
Real Estate Sales We integrate real estate transaction proceeds into a broader financial and tax strategy, considering capital gains planning and reinvestment options. Multi-Generational Wealth 
& Estate Structuring We develop long-term strategies to preserve and transfer family wealth. Stock Options Planning We integrate tax and investment strategies to optimize stock-based compensation. Wealth Management Tailored for Tech Employees The tech industry is constantly changing—meet the financial plan that stays ahead. Explore Tailored Services Latest press and updates. SEE ALL SCROLL TAX PLANNING What Your Tax Return Reveals That Your Financial Advisor May Not See A tax return is more than a compliance document—it's a diagnostic tool that surfaces income sources, carryforwards, and thresholds a portfolio review alone may miss. When investment advisory and CPA services sit under one roof, those details can inform decisions before the tax year closes. READ MORE FINANCIAL PLANNING Anthropic IPO Planning: A Three-Phase Framework for Employees Most Anthropic employees hold a mix of RSUs, ISOs, and NQSOs—each with different tax consequences and different planning windows. This three-phase framework walks through what matters before the IPO, during lockup, and after shares become tradable. READ MORE ESTATE PLANNING Post-Liquidity Planning: Building a Financial Life Beyond Equity Compensation A liquidity event converts concentrated equity into real wealth—but it also introduces new complexity. Post-liquidity planning requires coordinated investment management and CPA guidance to align taxes, portfolio strategy, estate planning, and long-term financial independence. READ MORE ESTATE PLANNING Estate Planning and Gifting During a Liquidity Event: Pre-IPO Strategies for Generational Wealth Liquidity events can create a narrow window for estate planning leverage. Gifting shares before an IPO or acquisition may transfer future appreciation out of your taxable estate—when coordinated carefully across legal, tax, and financial planning. READ MORE TAX PLANNING What Washington’s High Earners Need to Know About the State’s Changing Tax Landscape Washington State’s tax landscape is shifting, with a graduated capital gains tax now in effect, higher top estate tax rates, and a proposed 9.9% income tax on high earners under consideration. For executives, business owners, and retirees, coordinated investment and CPA planning has become increasingly important. READ MORE CHARITABLE GIVING Charitable Giving During a Liquidity Event: Tax-Efficient Strategies for IPOs and Acquisitions Liquidity events create meaningful opportunities for charitable giving—if timed correctly. Donating appreciated stock before a sale, often through a Donor-Advised Fund or Charitable Remainder Trust, can align philanthropic goals with tax-efficient planning when coordinated with your CPA and advisor. READ MORE Every client is unique. SEE MORE STORIES INVESTING Planning a Financially Secure Retirement Planning a Financially Secure Retirement Learn how Brickley Wealth Management helped one couple secure their financial future. Discover the secrets to optimizing distributions, maximizing social security and more. SEE STORY RETIREMENT PLANNING Creating a Clear Plan for Company Stock Creating a Clear Plan for Company Stock Learn how Brickley Wealth Management helped a Senior VP turn her stock options into peace of mind and financial security for her family. SEE STORY Ready to make a plan? We make it easy. BOOK A CALL [email protected] (650) 638-0111 Services WEALTH MANAGEMENT TAX PLANNING INVESTMENT STRATEGY PRIVATE FOUNDATION SERVICES FINANCIAL PLANNING X TECH Learn CASE STUDIES ABOUT US BLOG BENEFITS OF COMBINING CPA & CFP FINANCE DEFINITIONS Wealth Solutions COORDINATE YOUR INVESTMENT, TAX, AND ESTATE PLANNING PROTECT YOUR LEGACY WITH ESTATE & TRUST PLANNING CRAFT YOUR PHILANTHROPIC IMPACT STABILIZE YOUR RETIREMENT INCOME WITHOUT SACRIFICING FLEXIBILITY PREPARE FOR A MAJOR LIQUIDITY EVENT STRATEGIZE FOR EQUITY COMPENSATION WHEN YOU’RE EXPOSED TO A SINGLE STOCK POSITION Connect CONTACT FINANCIAL PLAN LOGIN INVESTMENT REPORT LOGIN CHARLES SCHWAB Brickley Insights Subscribe to practical insights on important wealth management topics. We respect your privacy. 161 W 25TH AVE, SUITE #204, SAN MATEO, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary. Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2026 Brickley Wealth Management. All rights reserved. Your Privacy is important to us Customize your cookie preferences or click “Accept All” to agree to the storing of cookies on your device. View our Privacy Policy for more information. PREFERENCES ACCEPT DENY ◈ Interior Pages — 26 pages crawledStrategic Retirement Income Planning Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Solution Stabilize Your Retirement Income Without Sacrificing Flexibility Retirement isn’t a finish line—it’s a transition. For high-net-worth families, the challenge isn’t whether you can retire, but how to maintain financial flexibility while preserving your legacy. We can help you design a tax-aware, durable income plan that supports your life now and your family’s future later. When You Have Wealth, Retirement Is About Strategy—Not Just Savings For high-net-worth individuals, the question isn’t “Can I retire?” —it’s “How do I retire wisely?” With complexity comes opportunity—but also risk. Without the right strategy, you may face: Avoid Unnecessary Tax Burden: Withdrawing from accounts in the wrong order can increase your tax burden unnecessarily. Unbalanced Income Flows: Overconcentration in a single asset class can disrupt income stability. Missed Planning Opportunities: Misalignment between estate and charitable goals can lead to unintended or inefficient outcomes. Your retirement plan should be more than a timeline—it should be a proactive, evolving strategy that answers: Will this structure support my lifestyle and legacy? How can I optimize income and minimize taxes long-term? What changes should I make now to future-proof my plan? Combination benefits With Brickley's combined CPA and advisory, we can help you: Coordinate income with estate planning, trust distributions, and charitable goals Rebalance portfolios to support income needs without undermining long-term growth Optimize drawdown strategies for tax efficiency across accounts and entities Build a multi-source retirement income plan aligned with your lifestyle and goals Featured Insights Nathan Brickley CPA The Benefits of Combining CPA and Financial Advisory Services Combining CPA and financial advisory services at Brickley Wealth Management provides a seamless, proactive approach to financial planning. This integration strives for optimal tax strategies, reduces or eliminates tax surprises, and enhances overall financial health. Tax Planning Financial Planning Aaron Brickley CFP®, CPWA® How to Sequence Retirement Withdrawals for Tax Efficiency Many retirees default to withdrawing from cash and taxable accounts first—but this intuitive order may increase long-term taxes. This article explains why coordinating withdrawals from taxable, tax-deferred, and tax-free accounts matters and how intentional planning can support both lifestyle and legacy. Tax Planning Financial Planning Retirement Retirement Navigating Early Retirement: Transition Beyond a Business Sale or IPO Explore the emotional dynamics of early retirement beyond financial planning. Understand the significance of purpose, relationships, and identity in shaping a rewarding post-career life. Financial Planning Investing Tax Planning Retirement Realities: A Guide to a Secure Retirement Transition As retirement approaches, understanding the psychological and financial shifts from saving to spending becomes crucial. Explore expert insights and strategies for managing this pivotal transition effectively. Investing Estate Planning Financial Planning How Embracing Equity Exposure Secures Retirement Learn the role of continued equity exposure in investment portfolios, particularly for those approaching retirement. Financial Planning Investing Tax Planning Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Let’s create your big picture together Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we'll design the most optimized plan that considers the important moments of your life. Financial Planning Tax Planning & Returns Investment Management Trust & Estate Planning Retirement Planning Company Stock & Equity Special Needs Planning Education Planning Philanthropy Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickle Estate Planning for $15M–$30M Families | Brickley Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Solution Protect Your Legacy with Estate & Trust Planning For families in the $15M–$30M range, estate planning typically isn’t just about documents — it’s about decisions. Whether you're creating your first trust or updating outdated strategies, we help ensure your plan reflects your family's values, not just its balance sheet. The Cost of Outdated Planning Even high-achieving families with trusted legal teams can miss critical updates or opportunities in their estate planning: Trusts that no longer reflect current laws or family structure Over-reliance on outdated wills or gifting strategies Lack of alignment between estate plan and portfolio liquidity Combination benefits With Brickley's combined CPA and advisory, we can help you: Partner with estate attorneys to implement and maintain your estate plan Coordinate estate strategies with your investment and tax plans Structure wealth transfer for privacy, efficiency, and control Support multigenerational planning—including heirs and values Featured Insights Aaron Brickley CFP®, CPWA® Tax-Efficient Strategies for Multi-Generational Family Wealth Planning Family wealth planning goes beyond investments—it’s about building a lasting legacy. Learn how trusts, gifting strategies, and education funding can help transfer wealth efficiently while minimizing taxes. Tax Planning Family Office Estate Planning Nathan Brickley CPA The Benefits of Combining CPA and Financial Advisory Services Combining CPA and financial advisory services at Brickley Wealth Management provides a seamless, proactive approach to financial planning. This integration strives for optimal tax strategies, reduces or eliminates tax surprises, and enhances overall financial health. Tax Planning Financial Planning Aaron Brickley CFP®, CPWA® What Is Generational Family Wealth Management? Generational family wealth management is about preserving assets and fostering alignment, transparency, and shared values across generations. Family Office Estate Planning Tax Planning Aaron Brickley CFP®, CPWA® Building a Family Financial Plan with an Integrated CPA and Advisor Team An integrated approach to family financial planning aligns tax, investment, and legacy strategies. Learn how it builds long-term security and generational success. Financial Planning Tax Planning Estate Planning Family Office Aaron Brickley CFP®, CPWA® What Is Family Wealth Planning? A Comprehensive Guide Family wealth planning provides a comprehensive framework to grow, preserve, and pass on wealth across generations, ensuring your values and goals endure. Estate Planning Financial Planning Is It Time to Update Your Estate Plan? Discover the importance of regularly reviewing and updating your estate plan. Ensure it reflects your evolving life circumstances and legal changes. Estate Planning Financial Planning Our Top 6 Guiding Points for Estate Planning Ensure your legacy is well-structured and your loved ones are protected. Estate Planning Financial Planning Tax Planning Secure Your Children's Future: The Importance of Trust and Estate Planning Every now and then we come across high earners that have children but no trust/estate plan in place. This is problematic, costly, and time consuming if something happens to the parents. Financial Planning Investing Tax Planning Estate Planning Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Let’s create your big picture together Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we'll design the most optimized plan that considers the important moments of your life. Financial Planning Tax Planning & Returns Investment Management Trust & Estate Planning Retirement Planning Company Stock & Equity Special Needs Planning Education Planning Philanthropy Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. Equity Compensation Strategy with CPA + Advisor Insight Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Solution Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Concentrated stock and equity compensation can build immense wealth—but unmanaged, they also may create tax surprises, liquidity issues, and planning friction. At Brickley, we can help you align your equity exposure with your estate, tax, and long-term goals so that your holdings fuel the future you’ve envisioned, not complicate it. When Equity Becomes Complexity Whether through IPO, acquisition, or long-term comp plans, you may find yourself heavily exposed to a single stock position—and unsure how or when to sell it. Common risks include: Triggering unnecessary taxes through poor timing Having too much of your net worth tied up in a single place Misaligned equity and estate planning may lead to costly gaps Mismatched cash flow and liquidity when major life events hit Combination benefits With Brickley's combined CPA and advisory, we can help you: Plan RSU vesting and stock option exercises with a focus on timing, taxes, and overall impact Align equity holdings with your estate plan, cash flow needs, and long-term financial goals Diversify concentrated positions and integrate equity into a cohesive, future-ready wealth strategy Structure equity sales to manage tax exposure and ensure access to liquidity when needed Featured Insights Steve Brickley CPA What Should You Do with Your RSUs? Managing RSUs involves navigating tax considerations and making strategic financial decisions. This post outlines the key factors to consider when deciding whether to sell or hold your RSUs, along with options for reinvesting or donating proceeds. Stock Options Financial Planning Tax Planning Nathan Brickley CPA The Benefits of Combining CPA and Financial Advisory Services Combining CPA and financial advisory services at Brickley Wealth Management provides a seamless, proactive approach to financial planning. This integration strives for optimal tax strategies, reduces or eliminates tax surprises, and enhances overall financial health. Tax Planning Financial Planning Steve Brickley CPA Optimizing Equity Compensation Strategies: Balancing Stock Options and Taxes Strategically managing equity compensation involves evaluating stock options like ISOs, NQSOs, and RSUs while considering tax implications. Planning around key events and integrating tax projections are crucial for making informed decisions. Financial Planning Stock Options Tax Planning Investing Nathan Brickley CPA Preparing for an IPO: A Helpful Guide to Managing Your Equity Preparing for an IPO brings exciting financial opportunities, but understanding how to handle equity awards like RSUs and stock options is essential. This guide from Brickley Wealth Management outlines key strategies, tax implications, and timing considerations to help you maximize your financial rewards. Financial Planning Investing Stock Options Tax Planning Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Let’s create your big picture together Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we'll design the most optimized plan that considers the important moments of your life. Financial Planning Tax Planning & Returns Investment Management Trust & Estate Planning Retirement Planning Company Stock & Equity Special Needs Planning Education Planning Philanthropy Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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The specific cookies that we use, and the categories to Contact Brickley Wealth: Let’s Make a Plan Together Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Contact Let’s make a plan together. Book an appointment [email protected] (650) 638-0111 Please schedule time for an introduction to learn more about our firm, our services, and how we help our clients. Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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Private Foundation Services | Integrated Tax & Investment Advisors Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Brickley Wealth Private Foundation Services A private foundation isn’t for everyone — but for families who want a personalized, enduring framework for their giving, it can be an elegant way to blend structure with flexibility. Tailored to your vision. Designed for simplicity. We help you manage the details so your philanthropy reflects your values, not administrative complexity. Our integrated CPA + Wealth Management team offers a tailored suite of services — and you can select only the ones you need. Our Services: À la Carte or Integrated Tax & Regulatory Compliance Preparation and e-filing of Form 990-PF (Federal) and Form 199 / RRF-1 (California) Excise-tax computation, minimum-distribution monitoring, and carry-forward tracking Review of self-dealing, excess-business-holdings, and jeopardizing-investment exposure Coordination with legal counsel for IRS § 507(b)(1)(A) terminations or reorganizations Representation before the IRS or California Attorney General when required Representative Engagements Multi-generational family foundations ($5 million – $250 million AUM) Foundations seeking to streamline administration or transition to a donor-advised fund Stand-alone tax-compliance or accounting-only engagements for established philanthropic entities Accounting & Financial Management General-ledger maintenance using foundation-specific accounting standards Bank and brokerage reconciliation, investment-income and realized-gain tracking Bill-pay and grant-disbursement administration with dual-approval controls Cash-flow projections and 5 % payout-compliance monitoring Quarterly or annual financial statements (balance sheet, income, and qualifying-distribution schedules) Governance & Administration Board-meeting minutes, resolutions, and record-keeping support Grant-approval workflow assistance and documentation retention Coordination with attorneys or family-office staff on governance policies Planning and execution for transitions to donor-advised funds when simplification is desired Investment Oversight Coordination with Brickley Wealth Management for portfolio structure and policy design Asset-allocation guidance emphasizing after-tax and after-excise-tax efficiency Why Families Choose Brickley Integrated Expertise Seasoned CPA and fiduciary investment professionals working together Flexibility Choose only the functions you want handled — tax preparation, accounting, bill pay, investment oversight, or a fully coordinated approach Continuity & Discretion Long-term relationships, personal service, and strict confidentiality Transparent, Value-Based Pricing Fees reflect complexity and scope, not arbitrary annual increases Ready to make a plan? We make it easy. If your foundation would benefit from experienced, high-touch supportwithout institutional layers, we invite you to explore how we can simplify your operations and strengthen your oversight. [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! 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They may also be used to limit the number of times you see an advertisement and measur Post-Liquidity Financial Planning Guide Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management A liquidity event converts concentrated equity into real wealth—but it also introduces new complexity. Post-liquidity planning requires coordinated investment management and CPA guidance to align taxes, portfolio strategy, estate planning, and long-term financial independence. Blog Post by Aaron Brickley , CFP®, CPWA® Post-Liquidity Planning: Building a Financial Life Beyond Equity Compensation Estate Planning Retirement Stock Options Follow Us: Please see important disclosures at the end of this post. The transaction is complete. The shares are sold. The wire hit your account. For years, your financial life revolved around one company, one stock, one outcome. And now—for the first time—you're sitting on real, liquid wealth. So here's the question that keeps you up at night: Now what? This moment is exciting. It's also overwhelming. Because having wealth and managing wealth are two completely different challenges. The liquidity event was the finish line for your equity story. But it's the starting line for something bigger: building a financial life that works whether your old company stock goes up, down, or sideways. In our estate planning post , we talked about using this moment to support family and future generations. Here, we’re focusing on what comes after the event itself: how to transition from equity concentration to financial independence—and how to build a plan designed to evolve with your life and goals. You're No Longer Waiting. So What's Next? When your equity was unvested or illiquid, financial planning was always framed around "what if." What if the IPO happens? What if the stock goes to $100? What if I get laid off before I can exercise? Now the wealth is real. It's yours. And the "what ifs" have been replaced by a new question: "What does this money need to do for me?" This is the moment to shift the conversation from risk management to international planning and life design: What does financial independence actually look like for you? What will it take to support your lifestyle now—and 10, 20, 30 years from now? Do you want to keep working, change careers, or step back entirely? What's your vision for this wealth beyond simply preserving it? These questions are no longer hypothetical. You have the resources to explore them—provided you take the time to clarify what you want this wealth to support. The Transition: From Concentration to Clarity Before the liquidity event, planning often centered on one primary issue: managing concentration risk. Should I exercise ISOs? When should I sell? How much should I hold? Now, the focus changes. You're no longer trying to extract value from one single asset. Instead, you’re looking to build a financial structure that supports a broader set of goals and decisions. The transition often involves moving: From stock to strategy Converting a concentrated position into a diversified portfolio aligned with your personal objectives From narrow exposure to intentional allocation Reducing reliance on a single outcome From waiting to planning – Designing a framework that can function across a range of market environments As we discussed in the diversification post , selling company stock isn't about abandoning belief in the company. It's about managing risk and creating financial flexibility that doesn't depend on the performance of a single security. Defining Your Version of Financial Independence Financial independence means different things to different people. For some, it may mean retiring immediately. For others, it may mean continuing to work by choice rather than necessity. For others still, it may mean supporting family, philanthropy, or entrepreneurial pursuits. We often begin planning conversations with one question: "What would change if money was no longer the primary constraint?" Your answer helps clarify priorities and trade-offs. That clarity then informs: How much do you need to spend annually to live the life you want? What are the major milestones you're planning for (home purchase, education, business ventures)? What level of financial flexibility provides comfort around career or lifestyle changes? How much risk you’re willing—and able—to take Once your version of financial independence is defined, we can work backwards from those goals. What Should Your Portfolio Do Now? Now that you're liquid, your portfolio typically has several objectives: Support your lifestyle - Provide liquidity when needed Grow over time - While managing risk appropriately Adapt to your life - Adjust as goals, timeline, and circumstances change Consider tax efficiency - - As part of broader financial planning This is where financial planning becomes personal. The portfolio that supports someone planning to retire immediately can look very different from one designed for someone planning to work another decade.. Building a Portfolio Around Your Goals, Not Just Returns Instead of asking "what should my allocation be?", we start with a different question: "What does this money need to accomplish, and when?" This doesn't mean building separate portfolios for each goal. Instead, it means designing one integrated portfolio informed by your overall financial picture. Here's how that process may look: We model your cash flow needs - Planned purchases or career changes influence liquidity and risk considerations. We align risk tolerance with your goals - Near-term withdrawals typically require different risk considerations than long-term growth assets. We build one portfolio that works across priorities - Balancing - Time horizon Liquidity needs Capacity for short-term volatility Long-term growth objectives We stress-test its assumptions - Evaluating how different market scenarios could affect planned decisions and adjusting accordingly. The portfolio isn't built in isolation from your life—it's built to support informed decision-making over time. Tax-Smart Investing After a Liquidity Event Once you've sold company stock, tax planning often becomes more important. Post-liquidity tax considerations may include: Tax-loss harvesting Potentially offsetting gains where appropriate Asset location Placing investments in accounts based on tax characteristics Roth conversions in lower-income years Particularly if earned income declines Charitable giving from appreciated assets Donating stock instead of cash avoids capital gains and provides a deduction. As we covered in the charitable giving post , this strategy becomes even more powerful when coordinated with liquidity events. Managin Today’s Markets, Investment Trends and Financial Strategies Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Blog Our Insights Today’s markets, investment trends and financial strategies. Featured What Your Tax Return Reveals That Your Financial Advisor May Not See by Steve Brickley CPA A tax return is more than a compliance document—it's a diagnostic tool that surfaces income sources, carryforwards, and thresholds a portfolio review alone may miss. When investment advisory and CPA services sit under one roof, those details can inform decisions before the tax year closes. Insight Anthropic IPO Planning: A Three-Phase Framework for Employees by Aaron Brickley CFP®, CPWA® Insight Post-Liquidity Planning: Building a Financial Life Beyond Equity Compensation by Aaron Brickley CFP®, CPWA® Insight Estate Planning and Gifting During a Liquidity Event: Pre-IPO Strategies for Generational Wealth by Aaron Brickley CFP®, CPWA® Featured Benefits of Having a CPA and Financial Adviser Under One Roof Knowing who to turn to for help managing your finances can be challenging. A Certified Public Accountant (CPA) is a trained professional specializing in accounting and tax-related matters. Read More Explore Insights Search keywords by Category Retirement Family Office Financial Uncertainty Inflation Tax Planning Stock Options Charitable Giving Estate Planning Financial Planning Firm Letters Investing by Category Retirement Family Office Financial Uncertainty Inflation Tax Planning Stock Options Charitable Giving Estate Planning Financial Planning Firm Letters Investing Aaron Brickley CFP®, CPWA® What Washington’s High Earners Need to Know About the State’s Changing Tax Landscape Washington State’s tax landscape is shifting, with a graduated capital gains tax now in effect, higher top estate tax rates, and a proposed 9.9% income tax on high earners under consideration. For executives, business owners, and retirees, coordinated investment and CPA planning has become increasingly important. Tax Planning Aaron Brickley CFP®, CPWA® Charitable Giving During a Liquidity Event: Tax-Efficient Strategies for IPOs and Acquisitions Liquidity events create meaningful opportunities for charitable giving—if timed correctly. Donating appreciated stock before a sale, often through a Donor-Advised Fund or Charitable Remainder Trust, can align philanthropic goals with tax-efficient planning when coordinated with your CPA and advisor. Charitable Giving Tax Planning Aaron Brickley CFP®, CPWA® How to Sell Company Stock After an IPO: Diversification and Tax Strategy After an IPO, the central question shifts from “What is it worth?” to “How much should I sell?” A disciplined diversification strategy—coordinated across tax planning and investment management—can help reduce concentration risk while aligning liquidity with long-term goals. Stock Options Financial Planning Aaron Brickley CFP®, CPWA® Should You Exercise ISOs Before an IPO? AMT, QSBS, and Pre-IPO Tax Planning Exercising Incentive Stock Options before an IPO can create meaningful tax opportunities—or significant AMT exposure on stock you cannot yet sell. The right answer depends on coordinated modeling across tax, cash flow, concentration risk, and long-term planning. Investing Stock Options Aaron Brickley CFP®, CPWA® Pre-IPO Planning Checklist: Tax and Equity Strategies Before Your Company Goes Public The most valuable pre-IPO planning often happens before the S-1 is filed, not after the bell rings. Understanding your equity, modeling AMT and ordinary income exposure, evaluating QSBS eligibility, and aligning your advisor and CPA can materially influence long-term outcomes. Stock Options Tax Planning Aaron Brickley CFP®, CPWA® What Is a Liquidity Event? How to Turn Equity into Lasting Wealth A liquidity event is when illiquid equity—like ISOs, RSUs, or founder shares—can be converted into cash or tradable stock. But wealth doesn’t manage itself. This guide walks through how to approach liquidity events thoughtfully, from pre-IPO planning through long-term wealth strategy. Financial Planning Investing Retirement Stock Options Tax Planning 1 / 18 Load More Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and descr Explore Our Client Stories, Discover the Many Paths to Success Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Case Studies Explore our client stories to discover the many paths to success. Featured Case Study Planning a Financially Secure Retirement Learn how Brickley Wealth Management helped one couple secure their financial future. Discover the secrets to optimizing distributions, maximizing social security and more. Read More by Category Tax Planning Social Security Health Savings Selling Real Estate IPO Retirement Long-term Planning Legacy Planning Investing Company Planning Family Planning Company Stock Estate Planning College Savings Taxes Financial Planning by Category Retirement Family Office Financial Uncertainty Inflation Tax Planning Stock Options Charitable Giving Estate Planning Financial Planning Firm Letters Investing Retirement Investing Company Planning Retirement and Business Planning for the Owner Learn How Brickley's CPA Firm Helped a Law Firm Owner Choose the Right Retirement Plan for Herself and Her Employees, while preserving the future of the firm. Read More Selling Real Estate Tax Planning Investing Long-term Planning Tackling the Tax Implications When Selling Real Estate Navigate Real Estate Taxes: Learn how Brickley's CPA firm helped one couple. Secrets to after-tax proceeds, tax-efficient portfolio, and long-term financial plan. Read More Retirement Legacy Planning Investing Estate Planning How to Manage an Unplanned Inheritance Learn how to manage an unplanned inheritance with expert guidance. Discover how Brickley Wealth Management helped one woman turn her $2 million inheritance into a plan for financial security, long-term growth, and leaving a legacy for her family. Read More Retirement Social Security Tax Planning Investing Estate Planning Planning a Financially Secure Retirement Learn how Brickley Wealth Management helped one couple secure their financial future. Discover the secrets to optimizing distributions, maximizing social security and more. Read More IPO Company Stock Investing Tax Planning Estate Planning Creating a Clear Plan for Company Stock Learn how Brickley Wealth Management helped a Senior VP turn her stock options into peace of mind and financial security for her family. Read More Investing Family Planning Health Savings Retirement Tax Planning Financial Planning for a Young Family of Four Learn How Brickley Wealth Management Helped a Young Family of Four Optimize Their Finances for a Secure Future. Read More Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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Your submission Key Financial Terms You Should Know Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Key Financial Terms Essential Definitions for a Confident Financial Future 401(k) 401(k) An employer-sponsored retirement plan allowing pre-tax or Roth contributions. Employers may match a portion of contributions. 529 Plan 529 Plan A 529 Plan is a tax-advantaged savings plan designed to encourage saving for future education costs, offering tax-free growth and withdrawals when used for qualified educational expenses. Accredited Investor Accredited Investor An Accredited Investor is a person or entity allowed to invest in higher-risk securities, such as private equity or hedge funds, typically due to meeting specific income or net worth criteria. Active Investment Active Investment Active Investment involves a hands-on approach where portfolio managers make specific investments with the goal of outperforming market indices. Adjusted Gross Income (AGI) Adjusted Gross Income (AGI) Adjusted Gross Income, your total income minus certain deductions. Used to determine eligibility for tax deductions and credits. Alternative Minimum Tax (AMT) Alternative Minimum Tax (AMT) Alternative Minimum Tax, a parallel tax system ensuring high-income individuals pay a minimum amount of tax. Asset Allocation Asset Allocation The mixture of investments that you hold inside of your investment portfolio. Balance Sheet Balance Sheet The financial statement that contains details of an individual’s or company’s assets and liabilities at a specific point in time. Bearer Bond Bearer Bond A Bearer Bond is a fixed-income security owned by the holder (bearer), with no registered owner, making it transferable and payable to anyone in possession of the physical certificate. Bear Market Bear Market A market characterized by falling prices and investor pessimism. Often signals an economic downturn. Black Friday Black Friday Black Friday refers to the day after Thanksgiving in the U.S., known for major retail sales and the start of the holiday shopping season, often resulting in significant consumer spending. Bond Bond A financial instrument where an investor lends money to a borrower, who agrees to repay the borrowed amount with interest at a later date. Bull Market Bull Market A market characterized by rising prices and investor optimism. Generally indicates economic growth. Capital Gains Tax Capital Gains Tax Capital Gains Tax: The tax on the profit from the sale of assets like stocks or real estate. Certificate of Deposit (CD) Certificate of Deposit (CD) A savings vehicle issued by a bank, offering a fixed interest rate in exchange for keeping your money deposited for a set term. Certified Financial Planner™ (CFP) Certified Financial Planner™ (CFP) Certified Financial Planner, a professional who helps individuals with personal financial planning and decision-making. Certified Public Accountant (CPA) Certified Public Accountant (CPA) A licensed professional qualified to perform accounting, taxation. Charitable Bunching Charitable Bunching A tax strategy to maximize deductions by consolidating charitable donations into a single tax year. Charitable Remainder Trust (CRT) Charitable Remainder Trust (CRT) A trust that provides income to beneficiaries for a set term, with the remainder going to charity. Compound Interest Compound Interest When you earn interest on both the money you’ve saved and the past interest you’ve earned. Custodian Custodian A financial institution that holds and safeguards assets, such as stocks and bonds, on behalf of clients. Debt Ceiling Debt Ceiling A maximum limit on the amount of debt a government can issue to fund its operations. Direct Indexing Direct Indexing Direct Indexing involves creating a personalized index by directly investing in individual securities rather than a mutual fund or ETF, allowing for customized tax and investment strategies. Diversification Diversification Spreading investments across different assets to reduce risk. Dividend Dividend A portion of a company's earnings paid to shareholders, usually in cash or additional shares. Dollar Cost Averaging Dollar Cost Averaging Investing a fixed amount at regular intervals, regardless of market conditions. Can reduce the impact of market fluctuations. Donor Advised Fund (DAF) Donor Advised Fund (DAF) A Donor Advised Fund (DAF) is a charitable giving vehicle where donors contribute assets, receive an immediate tax deduction, and recommend grants to charities over time. Equity Equity Typically, the value you may realize in owning shares of a company. Estate Planning Estate Planning Preparing for the transfer of assets, typically to heirs, in a tax-efficient and legally sound manner. Exchange-Traded Fund (ETF) Exchange-Traded Fund (ETF) Exchange Traded Fund, a type of investment fund that holds a basket of assets and trades like a stock on an exchange. Family Office Family Office A private advisory firm serving one affluent family, managing investments, tax strategy, estate planning, and more in-house. Federal Deposit Insurance Corporation (FDIC) Federal Deposit Insurance Corporation (FDIC) Federal Deposit Insurance Corporation, a U.S. agency that insures deposits at banks and savings institutions. Fiduciary Fiduciary A Fiduciary is an individual or organization that is legally required to act in the best interest of another person or persons, putting their clients' interests ahead of their own with a duty to preserve good faith and trust. Fixed Interest Rate Fixed Interest Rate The interest rate on a loan or security that does NOT change. Halloween Effect Halloween Effect The Halloween effect is the idea that markets perform better from November to April, supporting the adage "Sell in May and go away." Incentive Stock Option (ISO) Incentive Stock Option (ISO) A type of employee stock option that provides tax advantages if specific holding and timing requirements are met. Index Funds Index Funds A type of mutual fund or ETF designed to track a specific market index, such as the S&P 500. Inflation Inflation The rate at which the general level of prices for goods and services is rising, causing a decrease in purchasing power. Initial Public Offering (IPO) Initial Public Offering (IPO) The first sale of a company's stock to the public, marking the transition from private to public ownership. Intentionally Defective Grantor Trust (IDGT) Intentionally Defective Grantor Trust (IDGT) A trust used in estate planning to transfer wealth while freezing estate tax value. Interest Rate Interest Rate The cost of borrowing money or the return earned on savings, set by market forces and central bank policy decisions. Irrevocable Life Insurance Trust (ILIT) Irrevocable Life Insurance Trust (ILIT) A Comprehensive Wealth Management Services from Brickley Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Service Wealth Management Discover the many ways to build a strong financial future. Comprehensive Wealth Management Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we’ll design the most optimized plan that considers the important moments of your life. Customized for Each Client Below are common offerings that we recommend for our Comprehensive Wealth Management clients. Financial Planning Quantifying your goals and making sure that we’re thoughtfully addressing them ahead of time. This may be company stock planning, retirement planning, college savings planning, or philanthropic planning. Tax Planning Understanding the taxable impact of financial decisions and performing thoughtful planning to prevent any costly surprises. Explore our tax planning services Investment Management Oversee, manage, and grow client’s investable assets. Estate Planning Making sure that your estate is set up to follow your transfer wishes. We also offer more advanced estate planning techniques with the goal of reducing overall estate taxes and providing more money to our clients’ heirs. Investment Management We’re mindful and strategically tax efficient to optimize returns. Work towards achieving your financial goals through investments with a personalized plan. Brickley helps build your unique investment portfolio by monitoring the markets, finding opportunities and measuring your risk appetite. We continuously manage related taxes that can improve returns. From the little details to the big picture, you have our support. Featured Resource Tackling the Tax Implications When Selling Real Estate Retirement Planning Work towards a sustainable and stress-free retirement with Brickley’s support. Whether you’re trying to consolidate your accounts or determining a budget, we will help create a tax-efficient plan that allows you to focus on what matters most—living. Featured Resource Planning a Financially Secure Retirement Brickley versus Others The Benefits of Having a Combined CPA & Financial Advisor at Your Service Services Brickley CPA Only Financial Advisor Only Fully Integrated CPA & Investment Advisory Services We combine tax, investment, and financial planning into one seamless approach. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Comprehensive Financial Planning Beyond just tax preparation or investment management, we create a full financial roadmap. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax-Smart Investment Management We ensure investments are structured and managed with tax efficiency in mind. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Proactive Tax Planning We don’t just prepare taxes—we develop forward-looking tax strategies. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax Preparation As a full CPA firm, we handle personal, trust, and gift tax preparation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Guidance on Major Financial Decisions We help navigate liquidity events, retirement timing, real estate, and more. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Liquidity Planning for Business Owners We provide tax and investment guidance for business owners selling their company to maximize after-tax proceeds and long-term financial security. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Liquidity Planning for Real Estate Sales We integrate real estate transaction proceeds into a broader financial and tax strategy, considering capital gains planning and reinvestment options. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Multi-Generational Wealth & Estate Structuring We develop long-term strategies to preserve and transfer family wealth. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Stock Options Planning We integrate tax and investment strategies to optimize stock-based compensation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Company Stock & Equity Maximize and understand your company stock with a personalized plan from Brickley. From establishing your financial goals to considering tax implications, we help evaluate opportunities and risks that can promote long term growth. Whether you’re a new employee, starting up or going public, we’ll guide you with every step. Creating a Clear Plan for Company Stock We Work With: ISOs (incentive stock option) RSUs (restricted stock units) NQSOs (non-qualified stock options) ESPPs (employee stock purchase plan) Section 10b5-1 Trading Plans QSBS (qualified small business stock) Get the answers you’re looking for. Are there company rules when exercising or selling company stock? What are the differences between my employer stock grants? What estate planning strategies should be considered? How do you diversify and reinvest the proceeds of company stock? How to plan a diversification strategy for Restricted Stock Units (RSUs). How many shares do you retain for long term growth? What to consider for short-term and long-term wealth planning. Special Needs Planning Brickley works with families to navigate the complexities of safeguarding the future for your special needs family member. We’ll help create a plan that can support their lifetime needs. Education Planning With proper planning, college tuition doesn’t have to be a burden. Based on your goals, Brickley will help develop a tax-advantaged savings strategy that allows you to plan confidently for your family’s education. Featured Resource Financial Planning for a Young Family of Four Philanthropy Make a lasting impact with more effective giving methods. Whether you’re making financial gifts within your family or donating to a charity, we’ll work with you to build your legacy while working to optimize your tax deductions. Maximize your giving with our sustainable giving platforms and financial strategies. Plan a legacy that changes lives. Trust & Estate Planning Planning for the future impacts today. Providing CPA and CFP services, Brickley works with you to preserve, manage, and distribute your estate. We serve as both fiduciaries and trusted advisors to guide you at every step of developing and administering your plan. Trust and Estate Planning creates a legacy unique to you. Invaluable Insights A well-drawn estate plan makes a world of difference for your family’s long-term financial stability. Brickley helps you navigate from basic to complex trus Plan for Liquidity Events with CPA + Advisor Expertise Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Solution Prepare for a Major Liquidity Event Whether you're approaching an IPO, navigating a tender offer, or preparing for an acquisition, a liquidity event can reshape your entire financial picture. At Brickley, we help you build a coordinated plan across tax, investment, and estate strategy — so you're ready before the window closes, not after. The Decisions Before the Event Often Matter Most A liquidity event isn't just a payout — it's a sequence of interconnected decisions that can affect your taxes, your portfolio, your estate, and your family for years to come. Most people start planning after the money moves. The most impactful strategies tend to happen well before that.Getting this right means thinking through: How to model and manage AMT exposure, QSBS eligibility, and exercise timing before an IPO When and how much to sell post-IPO — balancing concentration risk against long-term conviction Whether charitable giving or family gifting structures should be funded before or after the transaction How to transition from equity concentration into a diversified, tax-efficient portfolio built around your actual goals Combination benefits With Brickley's combined CPA and advisory, we can help you: Model your tax exposure and equity decisions before the transaction Create a strategy for handling sudden wealth across taxable, trust, and charitable vehicles Align your diversification plan with retirement, estate, and family goals Design a post-liquidity financial plan that evolves with your lifer Featured Insights Aaron Brickley CFP®, CPWA® What Is a Liquidity Event? How to Turn Equity into Lasting Wealth A liquidity event is when illiquid equity—like ISOs, RSUs, or founder shares—can be converted into cash or tradable stock. But wealth doesn’t manage itself. This guide walks through how to approach liquidity events thoughtfully, from pre-IPO planning through long-term wealth strategy. Financial Planning Investing Retirement Stock Options Tax Planning Aaron Brickley CFP®, CPWA® Pre-IPO Planning Checklist: Tax and Equity Strategies Before Your Company Goes Public The most valuable pre-IPO planning often happens before the S-1 is filed, not after the bell rings. Understanding your equity, modeling AMT and ordinary income exposure, evaluating QSBS eligibility, and aligning your advisor and CPA can materially influence long-term outcomes. Stock Options Tax Planning Aaron Brickley CFP®, CPWA® Should You Exercise ISOs Before an IPO? AMT, QSBS, and Pre-IPO Tax Planning Exercising Incentive Stock Options before an IPO can create meaningful tax opportunities—or significant AMT exposure on stock you cannot yet sell. The right answer depends on coordinated modeling across tax, cash flow, concentration risk, and long-term planning. Investing Stock Options Aaron Brickley CFP®, CPWA® How to Sell Company Stock After an IPO: Diversification and Tax Strategy After an IPO, the central question shifts from “What is it worth?” to “How much should I sell?” A disciplined diversification strategy—coordinated across tax planning and investment management—can help reduce concentration risk while aligning liquidity with long-term goals. Stock Options Financial Planning Aaron Brickley CFP®, CPWA® Charitable Giving During a Liquidity Event: Tax-Efficient Strategies for IPOs and Acquisitions Liquidity events create meaningful opportunities for charitable giving—if timed correctly. Donating appreciated stock before a sale, often through a Donor-Advised Fund or Charitable Remainder Trust, can align philanthropic goals with tax-efficient planning when coordinated with your CPA and advisor. Charitable Giving Tax Planning Aaron Brickley CFP®, CPWA® Estate Planning and Gifting During a Liquidity Event: Pre-IPO Strategies for Generational Wealth Liquidity events can create a narrow window for estate planning leverage. Gifting shares before an IPO or acquisition may transfer future appreciation out of your taxable estate—when coordinated carefully across legal, tax, and financial planning. Estate Planning Family Office Stock Options Aaron Brickley CFP®, CPWA® Post-Liquidity Planning: Building a Financial Life Beyond Equity Compensation A liquidity event converts concentrated equity into real wealth—but it also introduces new complexity. Post-liquidity planning requires coordinated investment management and CPA guidance to align taxes, portfolio strategy, estate planning, and long-term financial independence. Estate Planning Retirement Stock Options Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Let’s create your big picture together Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we'll design the most optimized plan that considers the important moments of your life. Financial Planning Tax Planning & Returns Investment Management Trust & Estate Planning Retirement Planning Company Stock & Equity Special Needs Planning Education Planning Philanthropy Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conduct WA Tax Changes 2026: High Earner Guide Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Washington State’s tax landscape is shifting, with a graduated capital gains tax now in effect, higher top estate tax rates, and a proposed 9.9% income tax on high earners under consideration. For executives, business owners, and retirees, coordinated investment and CPA planning has become increasingly important. Blog Post by Aaron Brickley , CFP®, CPWA® What Washington’s High Earners Need to Know About the State’s Changing Tax Landscape Tax Planning Follow Us: Please see important disclosures at the end of this post. For decades, Washington State has been known for what it doesn’t have: a state income tax. That distinction has made Washington particularly attractive for tech executives, business owners, and high-net-worth families who benefit from the combination of a thriving economy and favorable tax treatment. That landscape is shifting. Over the past year, Washington has enacted significant changes to its capital gains and estate taxes, and state legislators have now introduced a proposed income tax on high earners that, if passed, would fundamentally alter the calculus for residents with income above $1 million. Whether you’re a tech executive with equity compensation, a business owner weighing a liquidity event, or a retiree managing a substantial portfolio, these developments warrant careful attention. Here’s what’s changed, what’s proposed, and what it may mean for your planning. What’s Already in Effect: The 2025 Capital Gains and Estate Tax Changes In May 2025, Governor Ferguson signed SB 5813 into law, making two significant changes that are already affecting high-net-worth Washingtonians. A More Progressive Capital Gains Tax Washington’s capital gains tax, which took effect in 2022, originally imposed a flat 7% tax on long-term capital gains exceeding $250,000. The standard deduction is adjusted annually for inflation and has risen to $278,000 for 2025. The rate structure has now become graduated: 7% on long-term gains between $278,000 and $1 million 9.9% on long-term gains exceeding $1 million This change applies retroactively to January 1, 2025. For context, when combined with the federal long-term capital gains rate (20% for high earners) and the 3.8% Net Investment Income Tax, Washington residents selling concentrated stock positions or businesses with gains above $1 million now face a combined marginal rate approaching 34%. The standard exemptions remain in place — real estate sales, retirement account distributions, and certain small business transactions are excluded — but for those with significant equity compensation, concentrated stock, or pending liquidity events, this rate increase is material. A Higher Estate Tax Exemption — With a Higher Top Rate The estate tax changes, effective July 1, 2025, present a more nuanced picture. The exemption amount increased from $2.193 million to $3 million, providing relief for estates in that range. However, the top marginal rate increased from 20% to 35% for taxable amounts exceeding $9 million above the exemption. That 35% rate makes Washington’s estate tax among the highest of any state in the nation. Perhaps more significantly, Washington still does not allow portability of the estate tax exemption between spouses. Under federal law, a surviving spouse can inherit any unused portion of their deceased spouse’s exemption. Washington offers no such provision. Without proper planning, a married couple could permanently lose one spouse’s $3 million exemption, resulting in substantial unnecessary state estate tax. What’s Proposed: The Washington Millionaires Tax On February 3, 2026, legislative leaders introduced SB 6346 (and its House companion HB 2724), proposing a 9.9% income tax on Washington residents with more than $1 million in annual income. The bill is moving through the 60-day legislative session, which ends March 12, 2026. Here are the key structural elements from the legislative draft: Who Would Be Affected The tax would apply to Washington residents — defined as either someone domiciled in the state, or someone who maintains a place of abode in Washington and is present more than 183 days per year. A domiciliary can avoid Washington tax residency only by maintaining no permanent abode in the state, maintaining one elsewhere, and spending 30 or fewer days in Washington during the tax year. For those who meet the residency threshold and have income exceeding $1 million, the 9.9% rate would apply to the excess. How Income Would Be Calculated The proposed tax starts with federal adjusted gross income and makes several adjustments relevant to high earners: Capital gains coordination: Long-term capital gains already included in federal AGI would be removed and replaced with Washington capital gains as defined under the existing capital gains tax. A credit would be available for Washington capital gains taxes already paid, preventing double taxation on the same gains. Out-of-state municipal bonds: Interest from municipal bonds issued outside Washington would be added back to income (Washington bond interest would remain exempt). Business taxes: B&O taxes deducted from federal income would be added back, with a corresponding credit for B&O taxes paid on income included in the Washington tax base. Deductions and Credits The bill provides a $1 million standard deduction per individual. Notably, married couples would share a combined $1 million deduction regardless of filing status — not $2 million. An additional charitable deduction of up to $50,000 would be available. For married couples or domestic partners, the combined charitable deduction is limited to $50,000 regardless of filing status; unmarried individuals each receive a separate $50,000 deduction. Credits would be available for income taxes paid to other states, Washington capital gains taxes, B&O taxes, and taxes paid through the pass-through entity election. However, these credits would not be refundable and could not be carried forward to other tax years. Timing If enacted as drafted, the tax would take effect January 1, 2028, with first returns due in April 2029 and estimated tax payments beginning in July 2029. What This Could Mean for Your Planning While the proposed income tax has not been enacted and may be amended or defeated, the combination of existing changes and potential future changes creates a planning environment that rewards proactive analysis. For Those with Equity Compensation or Concentrated Stock The graduated capital gains tax is already in effect, meaning large equity dispositions in 2025 and beyond face the 9.9% rate on gains exceeding $1 million. For executives considering tender offers, IPO liquidity, Should You Combine a CPA and CFP? Here’s What to Know Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Brickley Wealth Wondering About Combining Your CPA and CFP? You’re Not Alone What are the benefits? What’s the advantage? What steps are involved? We’ve got answers to get you started. Questions from people like you, answered by our team Find answers to real questions about the benefits of combined tax and financial planning—explained by our team of professionals. r/ personalfinance Posted by reddituser Is finding a CPA/CFP combo worth it? Explore the question r/ cfp Posted by reddituser Adding CPA to CFP worth it? Explore the question r/ taxpros Posted by reddituser Opinion on combo CPA/CFP? Explore the question r/ taxpros Posted by reddituser Thoughts on combo CPA/financial planners? Explore the question Blog Post Benefits of Having a CPA and Financial Adviser Under One Roof Knowing who to turn to for help managing your finances can be challenging. A Certified Public Accountant (CPA) is a trained professional specializing in accounting and tax-related matters. Read More Let's create your big picture together. Investment Strategy The investment strategy that balances risk, return, and tax efficiency for long-term investors. Read Our Investment Strategy Wealth Management We take a comprehensive and customized approach to create a plan that considers the present and the big picture. Explore Wealth Management Tax Services We’re mindful and strategically tax efficient to optimize returns. Explore Tax Services Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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Coordinate Investment, Tax & Estate Plans Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Solution Coordinate Your Investment, Tax, and Estate Planning Have you outgrown siloed advice? When your financial strategy is integrated across disciplines, you ideally preserve more of what you’ve built—and avoid costly, hidden gaps. You may be able to substantially reduce your tax or even eliminate it in some cases. It’s not about the money you make, it’s about the money you keep. Even with trusted advisors in place, high-net-worth families can still face blind spots if those strategies aren’t connected. Without coordination, key planning opportunities can be missed: Estate strategies that undermine investment flexibility Tax inefficiencies potentially costing hundreds of thousands Overlapping or duplicated risk exposure Combination benefits With Brickley's combined CPA and financial advisory, we can help you: Coordinate your CPA and wealth management with your estate attorney and other key advisors Structure tax-smart portfolios to support your long-term planning Build or update your estate plan with investment and liquidity in mind Design a forward-looking strategy tailored to your family’s values and goals Featured Insights Nathan Brickley CPA The Benefits of Combining CPA and Financial Advisory Services Combining CPA and financial advisory services at Brickley Wealth Management provides a seamless, proactive approach to financial planning. This integration strives for optimal tax strategies, reduces or eliminates tax surprises, and enhances overall financial health. Tax Planning Financial Planning Steve Brickley CPA Why Combining CPA and CFP Services Strengthens Your Financial Plan Combining CPA and CFP services offers a more strategic approach to financial planning. At Brickley Wealth Management, our integrated team helps align tax and investment strategies for a well-rounded financial plan. Tax Planning Investing Financial Planning Aaron Brickley CFP®, CPWA® Advanced Tax Strategies for High-Income Investors For high-income investors, strategic tax planning can play a key role in long-term wealth efficiency. Learn how Roth conversions, tax diversification, and estate strategies may help manage tax exposure and support financial goals. Tax Planning Financial Planning Investing Aaron Brickley CFP®, CPWA® Help Simplify Complex Wealth with Integrated CPA and Financial Advisory Services Managing significant wealth can be overwhelming, but integrating CPA and financial advisory services helps to simplify the process. Learn how aligning your financial strategies can increase opportunities and streamline decision-making. Financial Planning Tax Planning Nathan Brickley CPA A Year-End Guide for High Earners with Company Stock Preparing your year-end finances? Brickley Wealth Management's latest blog is your guide to optimizing finances and navigating the new year with confidence. Stock Options Financial Planning Tax Planning Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Let’s create your big picture together Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we'll design the most optimized plan that considers the important moments of your life. Financial Planning Tax Planning & Returns Investment Management Trust & Estate Planning Retirement Planning Company Stock & Equity Special Needs Planning Education Planning Philanthropy Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. Your Privacy is important to us Customize your cookie preferences or click “Accept All” to agree to the storing of cookies on your device. View our Privacy Policy for more information. Preferences Accept Deny Privacy Preference Center Below we list the different types of cookies that we use on the Site. The specific cookies that we use, and the categories to which they belong, are available in the cons Comprehensive Tax Planning and CPA Services from Brickley Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Service Tax Planning Seamless tax prep and filing without surprises. Combination benefits With Brickley's combined CPA and financial advisory, we can help you: Coordinate your CPA and wealth management with your estate attorney and other key advisors Structure tax-smart portfolios to support your long-term planning Build or update your estate plan with investment and liquidity in mind Design a forward-looking strategy tailored to your family’s values and goals Tax Planning & Returns We are two firms built into one team. As CPAs, we provide customized tax planning and tax return preparation in coordination with your investment plan and portfolios. This helps reduce missed opportunities to enhance your finances. The Brickley team plans and addresses your future tax picture while finding opportunities to respond to throughout the year. Tax Planning Offerings Capital gain and loss timing Stock option planning Retirement modeling Tax deferred retirement plans Business succession planning Residential or rental property Plan cash needs for tax payments Brickley versus Others The Benefits of Having a Combined CPA & Financial Advisor at Your Service Services Brickley CPA Only Financial Advisor Only Fully Integrated CPA & Investment Advisory Services We combine tax, investment, and financial planning into one seamless approach. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Comprehensive Financial Planning Beyond just tax preparation or investment management, we create a full financial roadmap. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax-Smart Investment Management We ensure investments are structured and managed with tax efficiency in mind. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Proactive Tax Planning We don’t just prepare taxes—we develop forward-looking tax strategies. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax Preparation As a full CPA firm, we handle personal, trust, and gift tax preparation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Guidance on Major Financial Decisions We help navigate liquidity events, retirement timing, real estate, and more. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Liquidity Planning for Business Owners We provide tax and investment guidance for business owners selling their company to maximize after-tax proceeds and long-term financial security. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Liquidity Planning for Real Estate Sales We integrate real estate transaction proceeds into a broader financial and tax strategy, considering capital gains planning and reinvestment options. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Multi-Generational Wealth & Estate Structuring We develop long-term strategies to preserve and transfer family wealth. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Stock Options Planning We integrate tax and investment strategies to optimize stock-based compensation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Company Stock & Equity Maximize and understand your company stock with a personalized plan from Brickley. From establishing your financial goals to considering tax implications, we help evaluate opportunities and risks that can promote long term growth. Whether you’re a new employee, starting up or going public, we’ll guide you with every step. Explore our wealth management services We Work With: ISOs (incentive stock option) RSUs (restricted stock units) NQSOs (non-qualified stock options) ESPPs (employee stock purchase plan) Section 10b5-1 Trading Plans QSBS (qualified small business stock) Get the answers you’re looking for. Are there company rules when exercising or selling company stock? What are the differences between my employer stock grants? What estate planning strategies should be considered? How do you diversify and reinvest the proceeds of company stock? How to plan a diversification strategy for Restricted Stock Units (RSUs). How many shares do you retain for long term growth? What to consider for short-term and long-term wealth planning. Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note Philanthropy Planning with Tax and Estate Considerations Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Solution Craft Your Philanthropic Impact Your wealth can do more than grow—it can reflect what matters to you. We help families craft intentional giving strategies and involve the next generation in meaningful decisions around generosity and impact. Why Philanthropy is Often the First Legacy Move For many high-net-worth families, philanthropy is the doorway to bigger conversations: “What kind of impact do we want to have?” “How can we use wealth to teach values to our children?” “What’s the most tax-smart way to give?” Combination benefits With Brickley's combined CPA and advisory, we can help you: Create a giving plan aligned with your values and goals Set up Donor-Advised Funds (DAFs), charitable trusts, or private foundations Integrate philanthropy with your broader tax and estate strategy Involve family members in legacy-focused decision-making Featured Insights Aaron Brickley CFP®, CPWA® How Thoughtful Investment Assumptions Drive Confident Financial Plans At Brickley Wealth, we use Capital Market Assumptions to create informed financial plans that adapt to current market conditions. Unlike historical averages, CMAs offer a forward-looking approach to planning for long-term goals. Financial Planning Inflation Nathan Brickley CPA The Benefits of Combining CPA and Financial Advisory Services Combining CPA and financial advisory services at Brickley Wealth Management provides a seamless, proactive approach to financial planning. This integration strives for optimal tax strategies, reduces or eliminates tax surprises, and enhances overall financial health. Tax Planning Financial Planning Aaron Brickley CFP®, CPWA® Tax-Efficient Strategies for Multi-Generational Family Wealth Planning Family wealth planning goes beyond investments—it’s about building a lasting legacy. Learn how trusts, gifting strategies, and education funding can help transfer wealth efficiently while minimizing taxes. Tax Planning Family Office Estate Planning Aaron Brickley CFP®, CPWA® Advanced Tax Strategies for High-Income Investors For high-income investors, strategic tax planning can play a key role in long-term wealth efficiency. Learn how Roth conversions, tax diversification, and estate strategies may help manage tax exposure and support financial goals. Tax Planning Financial Planning Investing Charitable Giving and Tax Benefits: Understanding Donor Advised Funds Discover the art of giving smartly with Donor Advised Funds. Learn how you can support your favorite charities while enjoying tax benefits in our latest article. Financial Planning Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Let’s create your big picture together Taking a comprehensive and customized approach to all of your finances can be an effective way to help achieve your present and future goals. Brickley combines wealth management and tax planning to provide a responsive and streamlined process. Together we'll design the most optimized plan that considers the important moments of your life. Financial Planning Tax Planning & Returns Investment Management Trust & Estate Planning Retirement Planning Company Stock & Equity Special Needs Planning Education Planning Philanthropy Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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Wit Tailored Wealth Management Solutions for Tech Professionals Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Wealth Management Tailored for Tech Employees The tech industry is constantly changing—meet the financial plan that stays ahead. EST. 1985 Innovative thinking demands future planning. That’s where we come in. One team that does it all. We are your CPA, financial advisor, and wealth management professionals. Company Stock & Equity Maximize and understand your company stock with a personalized plan from Brickley. From establishing your financial goals to considering tax implications, we help evaluate opportunities and risks to cultivate long term growth. Whether you’re a new employee, starting up or going public, we’ll guide you with every step. Explore our wealth management services We Work With: ISOs (incentive stock option) RSUs (restricted stock units) NQSOs (non-qualified stock options) ESPPs (employee stock purchase plan) Section 10b5-1 Trading Plans QSBS (qualified small business stock) Watch: 5 Tips to Optimize Your Company Equity Investment Management Creating an investing strategy you can use regardless of market movement. Achieve your financial goals through investments with a personalized plan. Brickley helps build your unique investment portfolio by monitoring the markets, finding opportunities and measuring your risk appetite. From the little details to the big picture, you have our support. Tax Planning & Returns We’re mindful and strategically tax efficient to optimize returns. From IPO to company stock compensation, no matter how complex, we have a solution and strategy to optimize your tax returns. We continuously manage from prep to filing and help you understand the tax implications of major decisions. This is stress-free, strategic tax planning. Retirement Planning Make your retirement stress-free and sustainable with Brickley’s support. Whether you’re trying to consolidate your accounts or determining a budget, we will create a tax-efficient plan that allows you to focus on what matters most—living. Get the answers you’re looking for. Are there company rules when exercising or selling company stock? What are the differences between my employer stock grants? What estate planning strategies should be considered? How do you diversify and reinvest the proceeds of company stock? How to plan a diversification strategy for Restricted Stock Units (RSUs). How many shares do you retain for long term growth? What to consider for short-term and long-term wealth planning. The Brickley Difference Hear From Our Clients The team at Brickley has been an amazing team to work with for our family and a true one stop shop. They take a complicated set of factors for us (ISO’s vesting & exercise, RSU vesting, Investment Management, and tax planning) and provide invaluable advice, while still giving our family a chance to chart our own course. Whether you want more of an ‘easy button’ for a complex set of factors or someone to work closely with along the way, Brickley is an easy choice for your Wealth Management & Tax needs — Tech Sales Professional, Referred by Colleague After Successful IPO Brickley Wealth has been instrumental as my financial situation has grown more complex. Their guidance gives me confidence as I navigate the tax implications of incentive stock options and restricted stock units. Not only do they educate me on the matter but also provide advanced projections to back up the advice with data. I know that I can trust the team no matter where my career takes me. — Early Employee at High-Growth Tech Company, Post-IPO Planning Client Disclaimer We encourage our clients to provide testimonials on their experience with our firm in their own words. We appreciate their testimonial however we do not compensate them in any manner. We are sharing the positive experiences the clients have shared with us on this website. To help protect the clients identity we are not providing their full names. Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. Your Privacy is important to us Customize your cookie preferences or click “Accept All The Latest Videos About Investment Trends and Financial Strategies Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Videos Brickley’s Latest Financial Videos Video guides for today's markets, investment trends and financial strategies. April 30, 2024 Video: 5 Tips to Optimize Your Cash Flow April 11, 2024 Video: 5 Tips to Optimize Nonqualified Stock Options (NSOs) March 28, 2024 Video: 5 Tips for Better Investing March 20, 2024 Video: 5 Tips to Optimize Incentive Stock Options (ISOs) February 20, 2024 Video: How We Define Wealth Management February 6, 2024 Video: 5 Tips to Optimize Your RSUs January 25, 2024 Video: 5 Tips to Optimize Your Company Equity January 11, 2024 Video: Benefits of Combining Investment and CPA Services Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. Ready to make a plan? We make it easy. Book a Call [email protected] (650) 638-0111 Services Wealth Management Tax Planning Investment Strategy Private Foundation Services Financial Planning x Tech Learn Case studies About Us BLOG Benefits of combining CPA & CFP Finance Definitions Wealth Solutions Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation when you’re exposed to a single stock position Connect Contact Financial Plan Login Investment Report Login Charles Schwab Brickley Insights Subscribe to practical insights on important wealth management topics. Your submission has been received! Oops! Something went wrong while submitting the form. We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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Estate Planning Before an IPO Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Liquidity events can create a narrow window for estate planning leverage. Gifting shares before an IPO or acquisition may transfer future appreciation out of your taxable estate—when coordinated carefully across legal, tax, and financial planning. Blog Post by Aaron Brickley , CFP®, CPWA® Estate Planning and Gifting During a Liquidity Event: Pre-IPO Strategies for Generational Wealth Estate Planning Family Office Stock Options Follow Us: Please see important disclosures at the end of this post. You're about to experience a life-changing financial event. An IPO. An acquisition. A tender offer. And you're starting to think beyond just yourself. Maybe you want to set up your children for financial security. Maybe you're thinking about grandchildren who aren't even born yet. Or maybe you simply want to ensure that the wealth you're creating doesn't get destroyed by estate taxes a generation from now. Here's what most people don't realize:some of the most powerful estate planning and gifting strategies only work if you execute them before the liquidity event. Gift shares before the IPO, and you can potentially lock in a low valuation while moving future appreciation out of your taxable estate. Wait until after, and you've missed the window—which may increase the future tax cost to your family. In our charitable giving post , we talked about using your liquidity event to support causes you care about. Now we're covering how to use that same moment to support your family—in ways that may compound for generations. Why Liquidity Events Create Estate Planning Leverage When your company is still private, your equity has a certain fair market value—based on the 409A valuation or recent funding rounds. But once the IPO happens or the acquisition closes, that same equity might be worth significantly more. Here's the opportunity: if you gift shares before the liquidity event, you can transfer them at the lower pre-event valuation. All the future appreciation—everything the shares gain after the gift—generally occurs outside your taxable estate. The Math of Pre-Event Gifting Let's say you hold private company stock currently valued at $2 million (based on 409A). Your company is approaching an IPO, and you expect the post-IPO value to be around $10 million. Gift after the IPO: You transfer $10 million in value That $10 million counts against your lifetime gift and estate tax exemption Future appreciation beyond $10 million happens outside your estate Gift before the IPO: You transfer $2 million in value (using only $2 million of your exemption) The stock appreciates to $10 million post-IPO—but that growth happens outside your estate If it continues growing to $15 million, all of that appreciation ($13 million total growth) is outside your estate The timing difference? You've used less of your lifetime exemption by gifting earlier and moved significantly more appreciation out of your taxable estate. Actual outcomes depend on future valuation and individual circumstances. The Current Estate Tax Landscape (2025) Understanding the current rules is critical because they can change over time. Lifetime Gift and Estate Tax Exemption: For 2025, each individual has a $13.99 million lifetime exemption. Married couples effectively have $27.98 million combined. This means you can gift or bequeath up to that amount without triggering federal gift or estate taxes. Recent legislative changes: In July 2025, the One Big Beautiful Bill Act (OBBBA) was signed into law, which: Made the increased exemption permanent (no sunset) Increased it to $15 million per person for 2026 ($30 million for couples) Provides for inflation adjustments going forward As a result, the urgency around "use it before 2026" has been eliminated. However, for those with estates that may exceed even the new higher limits, proactive gifting during liquidity events can remain a meaningful wealth transfer strategy. Annual Gift Exclusion: Separately from the lifetime exemption, you can gift up to $19,000 per person per year (2025) without using any of your lifetime exemption. Married couples can jointly gift $38,000 per person per year. This can be useful for ongoing gifts, but it is typically insufficient on its own to move significant equity during a liquidity event. Common Gifting Strategies to Consider There's no one-size-fits-all approach. The appropriate strategy depends on your net worth, your goals, your family structure, and your relationship with your wealth. Here are the most commonly used tools: Outright Gifts The simplest approach: you gift shares directly to your children, grandchildren, or other family members. Pros: Simple and straightforward No ongoing trust administration Recipient has complete control Cons: No asset protection for the recipient Loss of control over how the assets are used May be inappropriate for younger or financially inexperienced recipients This works well for modest gifts or for adult children who you trust to manage the assets responsibly. Intentionally Defective Grantor Trusts (IDGTs) An IDGT is a trust that's treated as "owned" by you for income tax purposes, but not for estate tax purposes. How it works: You create the trust and transfer assets (like pre-IPO stock) into it You pay income taxes on the trust's earnings—which allows the trust to grow faster The trust assets (and all future appreciation) are outside your estate Why "defective"? The trust is intentionally structured so that you, not the trust, pay the income taxes. This is actually a benefit—you're essentially making additional tax-free gifts to the trust by paying its taxes. When it makes sense: You want to move significant assets out of your estate You're comfortable with irrevocability You have sufficient other assets to pay your own living expenses and taxes Spousal Lifetime Access Trusts (SLATs) A SLAT is an irrevocable trust created for the benefit of your spouse (and potentially your children). How it works: You gift assets to the trust Your spouse may receive distributions from the trust Because your spouse has access, you indirectly retain some benefit The assets are outside your estate This strategy may be appropriate for couples seeking estate planning benefits while retaining indirect access, but it involves meaningful tradeoffs. . The risks: If you divorce, your ex-spouse still has access to the trust If your spouse dies first, you lose the indirect access Once created, you can't easily undo it This strategy works well for married couples who want the estate planning benefits of gifting but aren&#x Charitable Giving During an IPO Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Liquidity events create meaningful opportunities for charitable giving—if timed correctly. Donating appreciated stock before a sale, often through a Donor-Advised Fund or Charitable Remainder Trust, can align philanthropic goals with tax-efficient planning when coordinated with your CPA and advisor. Blog Post by Aaron Brickley , CFP®, CPWA® Charitable Giving During a Liquidity Event: Tax-Efficient Strategies for IPOs and Acquisitions Charitable Giving Tax Planning Follow Us: Please see important disclosures at the end of this post. You're about to experience a major financial milestone—an IPO, acquisition, or tender offer. And you're thinking about giving back. Maybe you've always supported certain causes. Maybe you want to establish a family giving legacy. Or maybe you just want to do something meaningful with this windfall beyond paying taxes and buying things. Here's what most people don't know: the timing of your charitable giving can make a meaningful difference in both how much you can give and how much you keep. Give before you sell, and you can potentially reduce or eliminate capital gains taxes, depending on your specific tax situation, while maximizing your charitable deduction. Wait until after the sale, and you've likely missed the window for the most tax-efficient strategies. In our diversification post , we talked about selling stock strategically to reduce concentration risk. Now we're covering how charitable giving—done right—can amplify your impact while reducing your tax bill. The Golden Rule: Give Before the Sale This is the single most important thing to understand about charitable giving during a liquidity event: Once you sell the stock, the opportunity for maximum tax efficiency may be significantly reduced. When you donate appreciated stock held in excess of one year before selling it, you can: Potentially avoid paying capital gains taxes on the donated shares Receive a charitable deduction for the full fair market value (subject to AGI limits) Give more to the causes you care about—at a lower personal cost When you sell first and donate cash later, you've already triggered the capital gains tax. You can still get a deduction for the cash donation, but you've severely limited the ability to avoid the gains tax entirely. The difference can be substantial in some cases—potentially tens or hundreds of thousands of dollars depending on the size of your gift and your tax situation. Why Timing Matters: Donate Before You Sell Let's say you hold stock that's about to become liquid through an IPO or has recently gone public. The current fair market value is significantly higher than what you paid (or your strike price if you exercised options). Once your stock is publicly traded, donating becomes straightforward—clear valuation, easy transfer, any charity will accept it. But here's the critical timing decision: you need to donate the shares before you sell them. If you're charitably inclined, donating shares while you still own them allows you to: Lock in the tax benefit now Even if you're not ready to decide exactly which charities to support, you can donate long term held publicly traded stock to a Donor-Advised Fund (DAF) and take the deduction immediately. The key is donating the actual shares rather than selling first and donating cash. More on DAFs below. Offset high-income year Liquidity events often create your highest-income year ever. Charitable deductions can help offset some of that tax burden. Avoid state taxes too In high-tax states, avoiding capital gains may mean avoiding both federal and state taxes on the appreciation. What Is a Donor-Advised Fund (DAF)? A Donor-Advised Fund is a practical tool for charitable giving during a liquidity event. Here's how it works: You donate long term held appreciated stock to the DAF before selling it You receive an immediate tax deduction for the fair market value (subject to AGI limits) The DAF sells the stock tax-free (since it's a charitable entity) You recommend grants to charities over time on your own schedule The key advantage: you get the tax benefit now, but you don't have to rush to decide which charities to support. You can take years to make those decisions. This is especially valuable during a liquidity event when you're dealing with multiple competing priorities and don't have time to research and vet charities. DAF Benefits Immediate deduction in a high-income year Take the deduction when it's worth the most to you—during the year of your liquidity event. No pressure to choose charities immediately You can think strategically about your giving over time rather than making rushed decisions. Easy to set up and manage Major providers like Fidelity Charitable, Schwab Charitable, Vanguard Charitable and local community foundations make this simple. Family involvement Many families use DAFs to involve children in philanthropy, teaching values while making real-world giving decisions together. Flexibility for future giving You can grant to multiple charities over many years, adjusting as your priorities evolve. What Types of Equity Can You Donate? Not all equity is equally easy to give. Here's what you need to know: ✅ Publicly-traded stock (post-IPO) Easy to donate, straightforward to value, immediate deduction based on market price. This is the simplest scenario. ⚠️ Private company stock (pre-IPO) Possible, but more complex. You'll need: Company approval (many private companies restrict transfers) A qualified appraisal to establish fair market value A charity willing to accept illiquid shares (many won't) Time to execute before the liquidity event If you're considering donating pre-IPO shares, start the conversation with your company's legal team and your advisors well in advance. ❌ RSUs (Restricted Stock Units) RSUs cannot be donated until they vest and convert to actual shares. Once they vest, they're immediately taxed as ordinary income. After that, you can donate the shares—but you've already paid the income tax at vesting. ⚠️ ISOs (Incentive Stock Options) Long term held ISOs may be able to be donated after you exercise them and they become actual shares. But remember: exercising ISOs triggers Alternative Minimum Tax. The charitable deduction may help offset some of that, but the mechanics are complex and require careful planning. ⚠️ NSOs (Non-Qualified Stock Options) Like ISOs, NSOs can only be donated after exercise. And exercising NSOs triggers ordinary income tax immediately. You'll get a charitable deduction for the donation, but you've alrea What Your Tax Return Tells Your Advisor Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management A tax return is more than a compliance document—it's a diagnostic tool that surfaces income sources, carryforwards, and thresholds a portfolio review alone may miss. When investment advisory and CPA services sit under one roof, those details can inform decisions before the tax year closes. Blog Post by Steve Brickley , CPA What Your Tax Return Reveals That Your Financial Advisor May Not See Tax Planning Follow Us: Please see important disclosures at the end of this post. How much does your financial advisor actually know about your finances? They likely know your asset allocation down to the decimal. They know your risk tolerance, your retirement timeline, and how your portfolio performed last quarter. But unless they're also preparing your taxes, there may be additional layers they likely do not see, details that can shape the advice they give you. Your tax return is a diagnostic tool. It reveals patterns, carryforwards, and income sources that don't show up in a portfolio statement. And when that diagnostic is combined with forward-looking information—vesting schedules, planned sales, retirement timing—it becomes possible to make more informed decisions before the tax year closes, not after. Here's what shows up on a tax return that rarely makes it into a typical investment review—and why it matters for proactive planning. The Full Picture of Your Income A financial advisor typically knows your salary and maybe your bonus structure. But the tax return shows everything: rental income from that property you bought years ago, K-1 distributions from a business you invested in, and the consulting income you pick up on the side. This matters because total income drives your tax bracket, your eligibility for Roth contributions, and whether you'll owe the 3.8% Net Investment Income Tax. A Roth conversion that looks smart based on your W-2 alone might push you into a higher bracket once all these other sources are accounted for. With full visibility, that decision can be modeled in advance—not identified at filing time. Equity Compensation Complexity For tech workers especially, equity compensation creates planning opportunities that may be invisible without return-level detail. ISO exercises, ESPP sales, and RSU income each have different tax treatments. The return reveals how prior equity events were taxed—whether you triggered AMT, whether an ESPP sale was a disqualifying disposition, and what that means for your overall tax picture. But one potential benefit comes from pairing that history with what's ahead. When your advisor also knows your vesting schedule and can model the tax impact of an upcoming ISO exercise or RSU vest, decisions may be considered proactively—adjusting withholding, timing sales, or coordinating with other income events before the year closes. Estimated Tax Payments and Withholding Patterns The tax return shows whether you owed a big balance or got a refund—and more importantly, why. Chronic underpayment often signals variable income that's not being planned for. Large refunds suggest withholding may be too high, which means cash could potentially have been invested. This information shapes cash flow planning in ways that don't show up in a portfolio review. If you routinely owe a significant amount every April, that changes how much liquidity you may need to keep outside your investment accounts—and influences when you might harvest gains or make charitable contributions. Seeing the pattern allows for adjustments throughout the year, not a scramble in Q4. Carryforwards You May Have Forgotten About Your advisor knows what's in your current portfolio. But the tax return shows the full history: capital loss carryforwards from years past, AMT credits waiting to be recovered, and passive losses that could be released with the right strategy. These carryforwards directly affect current-year decisions. A substantial capital loss carryforward might mean there's no need to harvest additional losses this year—or that it may be worth evaluating whether to recognize gains. AMT credits can be recovered through careful income management. Passive losses may be unlocked by a property sale or change in participation. Without visibility into these balances, planning happens in the dark. Income Thresholds That Trigger Hidden Costs High earners face a web of income-based surcharges and phase-outs that can create effective marginal rates well above the stated bracket. The Net Investment Income Tax kicks in at certain thresholds. IRMAA surcharges increase Medicare premiums based on income from two years prior. Various deductions phase out as income rises. The tax return provides the data to anticipate where you'll land relative to these thresholds. With that information in hand, a well-timed Roth conversion, charitable gift, or deferred income strategy may help manage exposure—but only if the decision is made with full visibility and enough time to act. What Integration Actually Looks Like The traditional model—where your CPA and financial advisor operate independently and maybe exchange a few emails at year-end—may not always capture every planning opportunity. By the time your CPA sees the full picture, the tax year is often closed. By the time your advisor makes portfolio decisions, they may be working with incomplete information. At Brickley Wealth, we can prepare your taxes and manage your investments under one roof. That means the person recommending a Roth conversion is the same person who knows your K-1 income, your carryforward balances, and your exposure to income-based surcharges. And because we're also tracking what's ahead—vesting schedules, expected bonuses, planned asset sales—we can model decisions before they're locked in, not after. Alternatively, we can work with your tax advisor, but with our depth of experience added to the conversation. Your tax return isn't just a compliance document. It's a diagnostic tool that reveals patterns and opportunities your investment strategy should account for. But diagnostics are more useful when they inform action—and action requires seeing what's coming, not just what's passed. If those two views are happening in separate rooms, it may be worth asking what's getting lost in translation. If you'd like to explore whether an integrated approach might benefit your situation, we're happy to have a conversation. Why should your financial advisor see your tax return? A tax return reveals income sources, capital loss carryforwards, AMT credits, and equity compensation history that a portfolio statement does not Anthropic IPO Planning: Three-Phase Equity Framework Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Most Anthropic employees hold a mix of RSUs, ISOs, and NQSOs—each with different tax consequences and different planning windows. This three-phase framework walks through what matters before the IPO, during lockup, and after shares become tradable. Blog Post by Aaron Brickley , CFP®, CPWA® Anthropic IPO Planning: A Three-Phase Framework for Employees Financial Planning Stock Options Tax Planning Follow Us: Please see important disclosures at the end of this post. If you're an Anthropic employee, you probably already know your equity could be significant. What's less clear is what to actually do about it, and when. With a potential IPO on the horizon, some of the most valuable planning decisions need to happen before the company goes public, not after. Others don't matter until lockup expires. And a few will follow you for years. We work with people in exactly this situation, and we've found it helps to break the timeline into three phases: Pre-IPO, IPO Through Lockup, and Post-Lockup. Each one has different priorities, and different deadlines. Phase 1: Pre-IPO, The Window That's Open Now This is where the most time-sensitive planning happens. Once the company is public, several of these doors close. Start by understanding exactly what you hold. Anthropic employees may have RSUs, ISOs, NQSOs, or a mix, and many RSUs have double-trigger vesting, meaning they won't actually become yours until both a time-based schedule and a liquidity event like an IPO are met. Each type is taxed differently. RSUs and NQSOs are taxed like your regular salary. ISOs can qualify for a lower rate, but exercising them before the IPO can trigger a separate tax called the Alternative Minimum Tax (AMT), a tax that can create a meaningful bill on stock you can't yet sell. For employees holding ISOs, the question of when to exercise is one of the most time-sensitive decisions in this window. Here's why: when you exercise ISOs, the difference between your strike price and the current valuation can trigger AMT. For an employee with a meaningful ISO position, exercising everything in one year could mean a large tax bill before you have any liquidity. But exercising a smaller portion this year and the rest next year may help reduce the total tax cost, depending on your individual circumstances, because you're spreading the income across two years rather than overwhelming one. The specific numbers depend on your full income picture, but in many cases, spreading exercises across tax years may result in a lower total tax cost than exercising everything at once. Always model with a tax advisor first. (For a deeper look at this analysis, see our post on whether to exercise ISOs before an IPO .) These decisions don't happen in isolation. They need to be modeled together. Most people have their CPA and their financial advisor as separate relationships, which means the tax analysis and the investment strategy are being built in different rooms. At Brickley, we have both advisory and CPA services under one team. Coordinating tax, investment, and planning decisions together may help reduce the risk of gaps or conflicting strategies. ( Our pre-IPO planning checklist walks through the full coordination process.) Phase 2: IPO Through Lockup, Plan Now, Execute Later The IPO doesn't immediately give you access to your money. If Anthropic follows standard practice, there's a lockup period, typically 90 to 180 days after the listing, during which employees cannot sell shares. That constraint is actually useful. It gives you time to plan without the pressure to act. The employees who navigate IPOs well use this window to make decisions, not react to a stock price. First, solve the cash flow problem. When your double-trigger RSUs finally vest at the IPO, the full value is taxed as ordinary income, just like your salary, but potentially a much larger number. The issue is that the taxes withheld from your RSUs at vesting may not be enough to cover what you actually owe, especially when that RSU income stacks on top of your regular paycheck and any option exercises in the same year. In California, based on 2026 federal and state tax rates, the combined rate on ordinary income above $1 million can exceed 50% for certain taxpayers, depending on filing status and overall income composition. If there's a gap between what's been withheld and what you'll owe, you need cash to cover it, and during lockup, that cash can't come from selling shares. Then, design your sell plan. How much of your Anthropic position do you want to sell once lockup expires, and on what timeline? What does reducing your concentration actually look like for you: selling 25% of your shares? 50%? More? The right answer depends on what you need the proceeds for, how comfortable you are with the bulk of your wealth tied to a single stock, and what the rest of your financial picture looks like. Set those targets now, model what the tax bill would look like at different stock prices, and decide your approach before lockup expires. ( Our post on how to sell company stock after an IPO covers structured selling strategies in detail.) Phase 3: Post-Lockup, From Concentration to Diversification Lockup expires, and shares become tradable. For many Anthropic employees, the majority of their net worth may be tied to a single company. Moving from a concentrated position to a diversified portfolio may be one of the most significant financial decisions people in this situation face. Diversification does not guarantee against loss or eliminate risk, and selling a concentrated position will typically trigger a taxable event that should be evaluated in the context of your full financial plan. Concentration may have built this wealth, but it doesn't necessarily protect it going forward. Holding 70 to 90% of your net worth in one stock, no matter how much you believe in the company, carries a very different level of risk than a diversified portfolio. A single earnings miss, a regulatory change, or a competitive shift can move a concentrated position in ways that a diversified portfolio may not. The goal of Phase 3 isn't to bet against Anthropic. It's to build a financial foundation. Start with goals, then work backward. What does financial independence actually require for your household? What about a home purchase, education funding, or other near-term priorities? Quantify those goals, figure out the after-tax proceeds required to fund them, and sell enough to get there. The remaining shares can be held with intention, because you've decided to, not because Meet the Brickley Team: Personalized Financial Solutions Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management EST. 1985 On paper we’re financial advisors. But to our clients, we are future planners. With a holistic approach we design personalized solutions that make dreams tangible. Our business is built on building community, opportunities, legacies, and thriving futures. Founded in 1985, our firm began with one mission—to support people. From families to future generations, business leaders to sprouting startups, and everyone in between. We continue our commitment to our clients and community to reach greater goals and generate growth. The Brickley Team We are solution-oriented with one simple goal—to exceed your goals. Steve Brickley CPA Aaron Brickley CFP®, CPWA® Nathan Brickley CPA Carissa Yen FPQP® Cindy Cutler Tatiane Saravia Rebecca Hoeg Ebi Mathew Brickley versus Others The Benefits of Having a Combined CPA & Financial Advisor at Your Service Services Brickley CPA Only Financial Advisor Only Fully Integrated CPA & Investment Advisory Services We combine tax, investment, and financial planning into one seamless approach. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Comprehensive Financial Planning Beyond just tax preparation or investment management, we create a full financial roadmap. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax-Smart Investment Management We ensure investments are structured and managed with tax efficiency in mind. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Proactive Tax Planning We don’t just prepare taxes—we develop forward-looking tax strategies. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax Preparation As a full CPA firm, we handle personal, trust, and gift tax preparation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Guidance on Major Financial Decisions We help navigate liquidity events, retirement timing, real estate, and more. 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We respect your privacy . 161 W 25th Ave, Suite #204, San Mateo, CA 94403 [email protected] (650) 638-0111 Brickley Wealth Management is a Registered Investment Adviser*. Advisory services are offered only to clients or prospective clients where Brickley Wealth Management and its representatives are properly licensed or exempt from licensure. The information provided is for informational purposes only and is not intended as investment, tax, or legal advice. The content is based on sources believed to be reliable, and reasonable due diligence is conducted; however, accuracy and completeness cannot be guaranteed and information is subject to change without notice. Past performance is no guarantee of future returns. Investing involves risk, including possible loss of principal. Readers should carefully consider their own investment objectives, financial situation, and risk tolerance before making any investment decision, and should not rely solely on any communication, chart, or illustration as the basis for action. No investment or tax advice is provided unless a client service agreement is in place with Brickley Wealth Management or Brickley & Company. Brickley Wealth Management does not provide legal advice. Please consult your investment, tax, or legal professional regarding your individual circumstances. For additional information about our firm, our services, and our advisers, please refer to our latest Form ADV, Part 2 Brochures, and Client Relationship Summary . Our Privacy Notice is also available for review. *Please note that the term "registered investment adviser" and description of our firm and/or our associates as "registered" does not imply a certain level of skill or training. 2020 Brickley Wealth Management. All rights reserved. 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Brickley Wealth Management's Investment Strategy Skip to main content Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Prepare for a Major Liquidity Event Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Financial Plan Login Investment Report Login Schedule a Call Services Services Investment Strategy Wealth Management Tax Planning Private Foundation Services Financial Planning x Tech Wealth Solutions Services Coordinate Your Investment, Tax, and Estate Planning Protect Your Legacy with Estate & Trust Planning Craft Your Philanthropic Impact Stabilize Your Retirement Income Without Sacrificing Flexibility Prepare for a Major Liquidity Event Strategize for Equity Compensation When You’re Exposed to a Single Stock Position Learn Learn Insights Videos Case Studies Benefits of combining CPA & CFP Firm Log in Log in Financial Plan Login Investment Report Login Book a Call © 2020 Brickley Wealth Management Brickley Wealth Our Investment Strategy At Brickley Wealth, we are committed to delivering a thoughtful, disciplined approach to investment management—one designed to help manage risk and seek long-term growth. By taking the time to understand your unique financial circumstances and goals, we craft a personalized investment strategy tailored to support you at every stage of life. Investing for the Long Term Our investment strategy emphasizes a long-term, multi-year perspective. While short-term market volatility is inevitable, reacting impulsively to these fluctuations can often harm your portfolio. Instead, we advocate for a patient, steady approach that prioritizes long-term objectives and leverages the power of compounding over time. At the core of our strategy is a focus on “total return,” which accounts for capital appreciation, dividends, and interest. By emphasizing total return, we aim to strike an optimal balance between risk, return, and tax efficiency, helping you pursue sustainable growth. Brickley versus Others The Benefits of Having a Combined CPA & Financial Advisor at Your Service Services Brickley CPA Only Financial Advisor Only Fully Integrated CPA & Investment Advisory Services We combine tax, investment, and financial planning into one seamless approach. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Comprehensive Financial Planning Beyond just tax preparation or investment management, we create a full financial roadmap. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax-Smart Investment Management We ensure investments are structured and managed with tax efficiency in mind. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Proactive Tax Planning We don’t just prepare taxes—we develop forward-looking tax strategies. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Tax Preparation As a full CPA firm, we handle personal, trust, and gift tax preparation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Guidance on Major Financial Decisions We help navigate liquidity events, retirement timing, real estate, and more. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Liquidity Planning for Business Owners We provide tax and investment guidance for business owners selling their company to maximize after-tax proceeds and long-term financial security. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Liquidity Planning for Real Estate Sales We integrate real estate transaction proceeds into a broader financial and tax strategy, considering capital gains planning and reinvestment options. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Multi-Generational Wealth & Estate Structuring We develop long-term strategies to preserve and transfer family wealth. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Stock Options Planning We integrate tax and investment strategies to optimize stock-based compensation. Label Brickley CPA Only Brickley Financial Advisor Only Brickley Diversification A broadly diversified portfolio balances risk and reward by spreading investments across various asset classes, markets, regions, and investment styles. Key Diversification Strategies: Asset Allocation : Choosing the right mix of stocks, bonds, and cash equivalents. Industry Allocation : Diversifying across various sectors and industries. Style Integration : Combining different investment styles like value and growth. Size Diversification : Investing in companies of different sizes.  Bond Portfolio Diversification : Balancing bond duration and credit quality. Global Reach : Investing int