◈ Homepage — http://www.truerootfinancial.com/Home About Services Tech Companies We Serve Blog Contact Book a free consultation Financial Planning & Investment Management For Tech Professionals Claim your financial independence Invest wisely Minimize taxes Maximize your equity compensation Take The First Step: Let’s Chat! As Seen In   Why Tech Professionals Come To True Root Financial? Company Exit: Your company had a successful exit and you need the clarity around your money, taxes and risks so that you can plan for your future Financial independence: You want to achieve financial independence so that you can retire early or continue in a career you love Maximize stock benefits: You want to make the most of your stock compensation such as ESPP, RSU and stock options so that you can grow your net worth to live the life you want Services Comprehensive financial + investment planning Thinking of your financial future should leave you optimistic and confident. That’s why we start with a clear picture of where things stand today, and then work to create a path toward your vision of the future. We will provide ongoing guidance and fine-tune our plan as your life changes. Learn more Investment Management We will help you articulate your life goals and build an investment portfolio to achieve those goals. The portfolio will be customized to your preferences. We will hold your hand every step of the way. Learn more Why Clients Choose True Root Financial? We are your fiduciary Believe it or not, many financial advisors are not legally required to put your interest first. They go by a lesser standard where their recommendation just has to be suitable enough for you. This means that they can sell you a higher-cost product even when there is a comparable lower-cost product available. As a fiduciary, we will always put your best interest first and recommend what’s best for you. No hidden fees Many advisors may share a lower upfront fee but will charge you commissions on the back-end, which you may never see. They may also put you in high-fee funds where the fee is taken directly out of the fund. So, you will never see it. Our compensation is only what you pay us directly. We are fully transparent. No commissions and no hidden fees. Modern firm with deep-rooted values Although we’re a modern firm catering to the new generation, our work is rooted in evidence-based, time-tested methods and processes. Our comprehensive approach is designed to grow your bottom line Unless you have lots of assets, most firms will only provide you investment management services, leaving it up to you to make critical decisions on taxes, benefits, savings, risks, etc. With us, you have a guide to help you on all aspects of your life related to money. Customized for You Your financial plan will be one of a kind. Solutions are tailored to your personal values and goals. Environmentally and socially responsible investments are also available. Meet Roshani Pandey Roshani started working in Wall Street 16 years ago and as an investment advisor and financial consultant, she has advised ultra-high-net-worth individuals and institutions worth billions of dollars, like university endowments, foundations and retirement plans. She has worked with global firms like Goldman Sachs and BlackRock and also with niche and boutique players. She created True Root Financial to provide tailored advice on all aspects of your life concerning money from investments to tax planning to insurance to cashflows to savings to employee benefits. She holds a Bachelor of Science degree in Information Systems from Brigham Young University and an MBA from McDonough School of Business at Georgetown University. Read More Let’s Chat And See If We Can Help You. Schedule A Call Not Ready To Schedule A Call, Yet? That’s Okay! Download Our Free Guide: The Tech Executive’s Guide to Concentrated Stock Email Address * First Name Last Name Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy ◈ Interior Pages — 11 pages crawledComprehensive financial + investment planning - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Comprehensive financial + investment planning We will do a detailed analysis of your current finances and provide ongoing guidance to manage all aspects of it now and into the future. Common client concerns: “I spend a lot of time working but never think about managing the money I earn.” “I don’t want to make any bad decisions about money and need someone I can trust to guide me. How does it work? Over the course of 5 meetings, we will visualize your ideal life and a roadmap towards it We will deliver a written financial plan articulating this vision of your life and the steps needed to get there The plan will be custom-made for you. It will review all the important aspects of your life, and anything else you have in mind We will then work together on implementing each action item and fine-tune the plan as your life changes You will have full access to our investment management services , included as a part of this service Successive years start with an annual review meeting, and additional quarterly meetings throughout the year, depending on what’s going on in your life You will have ongoing one-on-one access to your planner (via email, phone, and meetings) for any questions You will get secure access to all of your accounts online You can cancel the service at any time. No commitments or lock-ups Our process: Discovery Meeting Focusing on your concerns, goals, and desires will allow us to understand your unique needs and objective. Get Organized Meeting We will collect any necessary information while helping you sort through your financial lives and get organized. Get invested Meeting We will go over your investment plan, make any adjustment and implement your portfolio afterwards. Explore Possiblities Meeting Analyzing and evaluating your current financial status together using our financial planning software. Plan Delivery Meeting Developing and presenting financial planning strategies. The goal is to commit to implementing the top 1 or 2 recommendations. Ongoing Financial Planning We will implement the remaining financial planning recommendations together and meet quarterly to ensure that we are making progress and tackle anything else on your mind. Fee Schedule Fees based on the complexity of planning Fees based on account value as follows Account value: First $1,000,000 Next $1,000,000 Next $1,000,000 Next $1,000,000 Next $1,000,000 & above Annual % fee 1.50% 1.00% 0.70% 0.60% 0.55% Create an ideal vision of your life with our guidance. Book your free consultation today Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top Investment Management - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Investment Management: Investing your hard-earned money can be one of the most daunting but one of the most important decisions you take in securing your financial future. Let a professional do this for you. Common client concerns: “I don’t know how to invest and I’m afraid of losing money.” “I am a DIY investor. I buy stocks on my own but don’t know if I’m doing it right.” How does it work? We will help articulate your investment goals and build a portfolio based on time-tested investment management principles. Your portfolio will be built around your personal values. Environmentally and socially responsible investments are available. When the markets are volatile, which they will inevitably be, we are a phone call away to hold your hand and guide you through it. At every stage of the investment process, we will take steps to minimize your taxes. Our investment beliefs Building your optimal asset allocation is our focus Research shows that asset allocation drives over 80% of your portfolio’s return. So, this will be our biggest focus in investing your portfolio. Once we build your asset allocation, we will implement it using passive strategies. We may thoughtfully change your asset allocation, as we see new opportunities. Diversification is key Our investment universe covers a global set of investment opportunities, investing across geographies and company sizes. We prefer to invest in a large set of companies, which greatly reduces the risk to any single company. We also diversify the portfolio across different asset classes to capture different sources of returns. Take a long-term approach We consider the long-term risk and returns of assets and build a portfolio anticipating that there will be downturns and market corrections. We may change the portfolio when we see new opportunities but we will not be reactive to the market. Instead, we will use these opportunities to re-balance the portfolio and in turn, buy low and sell high. Implement your portfolio in a cost-efficient way We use low-cost ETFs. They are generally much lower in cost compared to mutual funds, while at the same time being more tax- efficient. Invest taking taxes into account We minimize your taxes every step of the way, for example, by holding investments such as bonds in a non-taxable account. We also avoid unnecessary capital gains taxes and opportunistically harvest tax losses. Fee Schedule Account value First $500,000 Next $500,000 Next $1 Million Next $1Million Next $1 Million Next $5 Million and over Annual % fee 1.5% 1.25% .60% 0.50% 0.40% 0.30% Take a step towards financial independence today Book a meeting today Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top Contact Us - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Contact Us True Root Financial is a fiduciary financial advisor located in San Francisco, CA and serves clients across the globe. Roshani Pandey is the founder of True Root Financial. Address True Root Financial 3445 Scott St San Francisco, CA 94123 Phone (415) 323-6602 Email [email protected] Let’s chat and see if we can help you. Schedule A Call Not ready to schedule a call, yet? That’s okay! Download Our Free E-book: 5 must-knows if you have RSUs or stock options Subscribe * indicates required First Name * Last Name * Email Address * Download Our Free E-book: The Tech Executive’s Guide to Concentrated Stock Subscribe * indicates required Email Address * First Name Last Name Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top How We Help - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu We take people from an uncertain and uncomfortable place to a place where they are set for life. This helps us feel accomplished. Here are some ways in which we help Cashflow analysis Provide clear visibility into your income, expenses, assets, and liabilities Prioritize where to most effectively put your next dollar For business owners, separate your personal from business cashflows and get organized Project your cashflows into the next 5 years Investments Build an investment portfolio customized to your goals and preferences Implement portfolio and provide ongoing management Educate on investment topics you may be curious about Ongoing support and guidance through the market ups and downs Savings & retirement analysis Find the best savings plan for you We can help you answer these questions: How much should I save and where? 401K, IRA, ROTH, HSA, SEP Can I retire early? Tax planning Perform a tax diagnostic to evaluate if you’re taking advantage of all tax opportunities Then, work with your tax preparer to implement tax planning opportunities Risk management Review insurance needs, including life, disability and umbrella insurance Guidance on other areas such as key person insurance and buy/sell provisions for business owners Estate planning Guidance on creating a trust, will and powers of attorney Review your succession plan and align it with your wishes College planning Clarify how much you need to save for college (you can even pick a specific school) Guidance on selecting an optimal 529 plan for you Advice on investment selection Employee benefits We can help you answer these questions: How will relocating impact my overall finances? Should I take that higher paying job, but with lower benefits? Should I try to negotiate my current salary? Make the right elections during annual renewal, avoid leaving any money on the table Guidance on equity compensation (stock options, employee stock purchase, RSUs) Let’s chat and see if we can help you. Schedule A Call Not ready to schedule a call, yet? That’s okay! Download Our Free E-book: 5 must-knows if you have RSUs or stock options Subscribe * indicates required First Name * Last Name * Email Address * Download Our Free E-book: The Tech Executive’s Guide to Concentrated Stock Subscribe * indicates required Email Address * First Name Last Name Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top About Us - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Do any of these sound familiar to you? How can I cut taxes and get the most from my equity, especially if I'm changing jobs or my company goes through an IPO/ acquisition? I need someone who really gets equity compensation and can anticipate my needs before I even ask. I'm making more money than I ever expected. How should I invest it? My money's all over the place (401K, CDs, high yield savings) —how do I pull it together to build long-term wealth? Can someone just take this off my plate and handle it? I want to focus on my life and career, not look at spreadsheets or watch stocks all day. If Any Of That Sounds Familiar…You’re In The Right Place. We help you turn your income into long-term wealth by helping you invest smart, minimizing taxes and maximizing your equity compensation. Then, whether you want to continue in a career you love, retire early, take a sabbatical or start your own business… You know you have the option. It’s never too soon and never too late to have a plan. My path into financial planning started halfway around the world and eventually led me to Goldman Sachs, BlackRock, and advising families with generational wealth. Over time, I realized I was most drawn to helping those building wealth for the first time. This video shares that journey and how it shapes the way I work with clients today. Ready to get started? The first step is a short conversation to see if we can help. Schedule a call Our calls are always relaxed and pressure-free. Guaranteed Meet our team Founder and Wealth Advisor Wealth Management Analyst Wealth Management Associate Let’s chat and see if we can help you. Schedule A Call Not ready to schedule a call, yet? That’s okay! Download Our Free E-book: 5 must-knows if you have RSUs or stock options Subscribe * indicates required First Name * Last Name * Email Address * Download Our Free E-book: The Tech Executive’s Guide to Concentrated Stock Subscribe * indicates required Email Address * First Name Last Name Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top True Root Financial Advisor | Financial planner in San Francisco bay area Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Financial Planning & Investment Management for Tech Professionals Claim your financial independence Invest wisely Minimize taxes Maximize your equity compensation Helping busy professionals achieve financial independence so that you can confidently live the life you want. Invest in a tax-advantaged way. Understand cashflows. Safeguard assets. --> Take the first step: let’s chat! Financial Planning & Investment Management for Tech Professionals Claim your financial independence Invest wisely Minimize taxes Maximize your equity compensation Helping busy professionals achieve financial independence so that you can confidently live the life you want. Invest in a tax-advantaged way. Understand cashflows. Safeguard assets. --> Take the first step: let’s chat! As Seen In   Why Tech Professionals Come to True Root Financial? Company Exit: Your company had a successful exit and you need the clarity around your money, taxes and risks so that you can plan for your future Financial independence: You want to achieve financial independence so that you can retire early or continue in a career you love Maximize stock benefits: You want to make the most of your stock compensation such as ESPP, RSU and stock options so that you can grow your net worth to live the life you want Services Comprehensive financial + investment planning Thinking of your financial future should leave you optimistic and confident. That’s why we start with a clear picture of where things stand today, and then work to create a path toward your vision of the future. We will provide ongoing guidance and fine-tune our plan as your life changes. Learn more Investment Management We will help you articulate your life goals and build an investment portfolio to achieve those goals. The portfolio will be customized to your preferences. We will hold your hand every step of the way. Learn more Why Clients Choose True Root Financial? We are your fiduciary Believe it or not, many financial advisors are not legally required to put your interest first. They go by a lesser standard where their recommendation just has to be suitable enough for you. This means that they can sell you a higher-cost product even when there is a comparable lower-cost product available. As a fiduciary, we will always put your best interest first and recommend what’s best for you. No hidden fees Many advisors may share a lower upfront fee but will charge you commissions on the back-end, which you may never see. They may also put you in high-fee funds where the fee is taken directly out of the fund. So, you will never see it. Our compensation is only what you pay us directly. We are fully transparent. No commissions and no hidden fees. Modern firm with deep-rooted values Although we’re a modern firm catering to the new generation, our work is rooted in evidence-based, time-tested methods and processes. Our comprehensive approach is designed to grow your bottom line Unless you have lots of assets, most firms will only provide you investment management services, leaving it up to you to make critical decisions on taxes, benefits, savings, risks, etc. With us, you have a guide to help you on all aspects of your life related to money. Customized for You Your financial plan will be one of a kind. Solutions are tailored to your personal values and goals. Environmentally and socially responsible investments are also available. Meet Roshani Pandey Roshani started working in Wall Street 16 years ago and as an investment advisor and financial consultant, she has advised ultra-high-net-worth individuals and institutions worth billions of dollars, like university endowments, foundations and retirement plans. She has worked with global firms like Goldman Sachs and BlackRock and also with niche and boutique players. She created True Root Financial to provide tailored advice on all aspects of your life concerning money from investments to tax planning to insurance to cashflows to savings to employee benefits. She holds a Bachelor of Science degree in Information Systems from Brigham Young University and an MBA from McDonough School of Business at Georgetown University. Read More Let’s chat and see if we can help you. Schedule A Call Not ready to schedule a call, yet? That’s okay! Download Our Free Guide: The Tech Executive’s Guide to Concentrated Stock Subscribe * indicates required Email Address * First Name Last Name Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top Book a free consultation - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu BOOK YOUR MEETING We’re excited to meet you! Potential clients | Meet & greet Schedule Now Current clients | 60 minute meeting Schedule Now Current clients | 15 minute meeting Schedule Now Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top True Root Financial Advisor | Financial planner in San Francisco bay area Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Financial Planning & Investment Management for Tech Professionals Claim your financial independence Invest wisely Minimize taxes Maximize your equity compensation Helping busy professionals achieve financial independence so that you can confidently live the life you want. Invest in a tax-advantaged way. Understand cashflows. Safeguard assets. --> Take the first step: let’s chat! Financial Planning & Investment Management for Tech Professionals Claim your financial independence Invest wisely Minimize taxes Maximize your equity compensation Helping busy professionals achieve financial independence so that you can confidently live the life you want. Invest in a tax-advantaged way. Understand cashflows. Safeguard assets. --> Take the first step: let’s chat! As Seen In   Why Tech Professionals Come to True Root Financial? Company Exit: Your company had a successful exit and you need the clarity around your money, taxes and risks so that you can plan for your future Financial independence: You want to achieve financial independence so that you can retire early or continue in a career you love Maximize stock benefits: You want to make the most of your stock compensation such as ESPP, RSU and stock options so that you can grow your net worth to live the life you want Services Comprehensive financial + investment planning Thinking of your financial future should leave you optimistic and confident. That’s why we start with a clear picture of where things stand today, and then work to create a path toward your vision of the future. We will provide ongoing guidance and fine-tune our plan as your life changes. Learn more Investment Management We will help you articulate your life goals and build an investment portfolio to achieve those goals. The portfolio will be customized to your preferences. We will hold your hand every step of the way. Learn more Why Clients Choose True Root Financial? We are your fiduciary Believe it or not, many financial advisors are not legally required to put your interest first. They go by a lesser standard where their recommendation just has to be suitable enough for you. This means that they can sell you a higher-cost product even when there is a comparable lower-cost product available. As a fiduciary, we will always put your best interest first and recommend what’s best for you. No hidden fees Many advisors may share a lower upfront fee but will charge you commissions on the back-end, which you may never see. They may also put you in high-fee funds where the fee is taken directly out of the fund. So, you will never see it. Our compensation is only what you pay us directly. We are fully transparent. No commissions and no hidden fees. Modern firm with deep-rooted values Although we’re a modern firm catering to the new generation, our work is rooted in evidence-based, time-tested methods and processes. Our comprehensive approach is designed to grow your bottom line Unless you have lots of assets, most firms will only provide you investment management services, leaving it up to you to make critical decisions on taxes, benefits, savings, risks, etc. With us, you have a guide to help you on all aspects of your life related to money. Customized for You Your financial plan will be one of a kind. Solutions are tailored to your personal values and goals. Environmentally and socially responsible investments are also available. Meet Roshani Pandey Roshani started working in Wall Street 16 years ago and as an investment advisor and financial consultant, she has advised ultra-high-net-worth individuals and institutions worth billions of dollars, like university endowments, foundations and retirement plans. She has worked with global firms like Goldman Sachs and BlackRock and also with niche and boutique players. She created True Root Financial to provide tailored advice on all aspects of your life concerning money from investments to tax planning to insurance to cashflows to savings to employee benefits. She holds a Bachelor of Science degree in Information Systems from Brigham Young University and an MBA from McDonough School of Business at Georgetown University. Read More Let’s chat and see if we can help you. Schedule A Call Not ready to schedule a call, yet? That’s okay! Download Our Free Guide: The Tech Executive’s Guide to Concentrated Stock Subscribe * indicates required Email Address * First Name Last Name Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top Important disclosures - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Important disclosures PRIVACY: We will never disclose or sell your email address or any of your data from this site, without your permission. If you provide us your email by subscribing to the site or by filling out a form in the site, you may receive emails with our posts, newsletters, promotions and emails, from us. DISCLAIMER: The content on the Site should not be interpreted as financial or investment advice nor should it be interpreted as creating any kind of investment advisor or financial advisor relationship. You are solely responsible for any investment and financial decisions, omissions or actions you take. 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When you use one of these links, you are no longer on this site and this Privacy Notice will not apply. When you link to another website, you are subject to the privacy of that new site. When you follow a link to one of these sites neither True Root Financial LLC , nor any agency, officer, or employee of True Root Financial LLC warrants the accuracy, reliability or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk. Follow on social media Contact (415) 323-6602 [email protected] We are located in San Francisco, CA and serve clients across the country. Important Disclosures © Copyright - True Root Financial LLC ADV 2A / 2B & Privacy Policy Scroll to top Scroll to top Scroll to top NVIDIA RSU Tax Strategy for Bay Area Employees Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu For NVIDIA Employees in the Bay Area & Nationwide Your NVIDIA Equity Is Powerful. Do You Have a Plan for It? Between quarterly RSU vesting, ESPP, and the mega backdoor Roth, your compensation is one of the most generous in tech. It is also one of the most complex. We help NVIDIA employees turn equity into lasting wealth. Book a No-Obligation Call True Root Financial is a fee-only fiduciary advisor in San Francisco, CA. We do not sell products or earn commissions. 100% Fiduciary Fee-Only (No Commissions) Ex-Goldman Sachs & BlackRock Specializes in Equity Compensation Sound Familiar? These are the questions NVIDIA employees bring to us every week. If any of them resonate, you are not alone. 📊 Most of my net worth is in NVDA stock Your RSUs have appreciated enormously. But 60%+ of your wealth in one stock is a risk, not a strategy. You know you should diversify, but the tax bill stops you cold. 💰 I owe more taxes than I expected The default 22% withholding on RSUs is not enough. Your actual rate in California is closer to 50%. Every April brings a surprise bill that could have been planned for. 🏠 I need cash but selling triggers huge taxes A home down payment in the Bay Area, college tuition, a renovation. You have the wealth on paper, but accessing it means a six-figure tax bill. 📉 I regret not selling when the stock was higher The stock was at its highs. You were going to sell. But you held. Now it is lower and you are stuck between selling at a loss and hoping for recovery. 🤷 My advisor just put me in a model portfolio They ran a risk tolerance questionnaire and gave you the same allocation as everyone else. No tax strategy, no equity comp expertise, no proactive ideas. ⏰ Retirement is 5 to 7 years away and I have no plan College costs for your kids and retirement planning are colliding. You need a coordinated strategy, not a spreadsheet you update on Sunday nights. We Know Your NVIDIA Benefits Inside and Out We work with NVIDIA employees every day. We understand the details of your compensation structure and how to optimize each component. Restricted Stock Units (RSUs) Quarterly vesting in March, June, September, and December. Taxed as ordinary income at vest. What most employees miss: The default 22% withholding leaves a gap of 28%+ at your income level. On $200K in RSUs, that is $56K+ owed at tax time. We model your full-year income and set withholding to match your actual bracket. Employee Stock Purchase Plan (ESPP) 15% discount with a 2-year lookback provision. One of the most valuable ESPPs in the industry. Our recommendation: Max your contributions, sell immediately after purchase to lock in the guaranteed return, and redeploy into a diversified portfolio. This captures the full benefit while eliminating additional NVDA concentration. 401(k) with Mega Backdoor Roth 100% match on the first $6,000. 50% on the next $11,000. Includes mega backdoor Roth capability. The opportunity: You can shelter $70,000+ per year in tax-advantaged accounts. In California, where state taxes take 13.3%, every dollar in a Roth grows tax-free forever. Most advisors never mention this. Annual Bonuses and Refreshers Performance-based bonuses and RSU refresh grants add complexity to your tax picture every year. The coordination challenge: Bonus timing, RSU vesting, and ESPP purchases all hit your income in the same year. Without coordination, you overpay in taxes. We model all income sources together. Advanced Strategies Your Current Advisor Probably Has Not Mentioned We go beyond "sell and diversify." These are the tools that make a real difference for NVIDIA employees with $3M+ in concentrated stock. 1 Cashless Collars for Downside Protection If you are bullish on NVDA long-term but cannot afford a 40% drawdown, a collar sets a floor below which the stock cannot hurt you and a ceiling where you cap some upside. No cash out of pocket. No shares sold. No taxes triggered. You stay invested while sleeping at night. Protects without selling 2 Securities-Based Lending for Liquidity Need $500K for a home down payment in Palo Alto or college tuition? Borrow against your NVDA holdings at rates comparable to a mortgage. No shares sold. No capital gains triggered. You get cash now and defer the tax event to a lower-income year. Cash without selling 3 Tax-Efficient Phased Diversification with Direct Indexing Instead of selling everything at once, we spread sales across tax years to stay in lower brackets. Direct indexing creates hundreds of individual tax lots that generate losses to offset your gains. This can save tens of thousands compared to a simple index fund approach. Reduces tax drag 4 Structured Sales with Disciplined Exit Plans We build rules-based selling plans with predetermined triggers so you never say "I should have sold." A collar protects the downside while the plan executes automatically over 12 to 18 months. No more emotional decisions quarter by quarter. Prevents regret 5 Mega Backdoor Roth Optimization NVIDIA's 401(k) allows after-tax contributions converted to Roth. We coordinate this with your RSU sales and ESPP proceeds to maximize tax-free growth. At California tax rates, this is one of the highest-impact strategies available to you. Tax-free growth 6 130/30 Long-Short Strategy for Tax-Efficient Diversification If you are sitting on millions in unrealized gains and the tax bill on selling feels paralyzing, this strategy may be the answer. A 130/30 portfolio takes long positions in diversified holdings while using short positions to hedge your concentrated stock exposure. The result is meaningful diversification with significantly less tax impact than a traditional sale. This is a complex, institutional-grade strategy. It is not right for everyone. But for NVIDIA employees with multi-million dollar gains who want to diversify without triggering a massive tax event, it can be transformative. Diversify with minimal tax impact What This Looks Like in Practice An anonymized case study from a real client engagement. Client Case Study A senior engineer with $6M+ in concentrated stock and two kids heading to college. He had been at his company for 8 years. His RSUs had appreciated enormously, but 72% of his net worth was in a single stock. He needed $400K for college tuition over the next 4 years. His retirement target was 5 years away. His previous advisor had him in a model portfolio with no tax strategy and no plan for the concentration. Here is what we built together: We placed a cashless collar on the core position to protect against a major drawdown. We used securities-based lending to fund the first year of college without selling shares or triggering taxes. We built a phased diversification plan, selling a predetermined amount each quarter coordinated with his RSU vesting to stay in the lowest possible tax brackets. We maxed the mega backdoor Roth every year. We coordinated quarterly with his CPA. 72% → 35% Concentration reduced over 18 months $140K+ Estimated tax savings vs. selling all at once $0 Shares sold to fund Year 1 college tuition 5 years Clear retirement roadmap in place Meet Roshani Pandey, Your Advisor I started my career at Goldman Sachs and later worked at BlackRock advising families whose wealth had lasted for seven or eight generations. I saw what well-structured wealth looks like. The disciplined risk management, the proactive tax planning, the integrated systems where everything works together. I founded True Root Financial to bring that same institutional-level strategy to tech professionals in the San Francisco Bay Area who are building wealth in real time. Not inheriting it. Risk reduction without disruption. Diversify thoughtfully, not reactively. Tax awareness as a core discipline. Taxes are central Blog - True Root Financial Home About About Us How We Help Services Comprehensive financial + investment planning Investment Management Tech Companies We Serve NVIDIA Blog Contact Book a free consultation Menu Menu Tax Stock Options Tech Professionals Apple Made You Wealthy. Now Comes the Hard Part. May 5, 2026 RSU Tax Pre-IPO Stock Options Tech Professionals Meta Employees: The Hidden Risk Isn’t the Stock. It’s How You Exit It April 27, 2026 RSU Tax Stock Options Tech Professionals Oracle RSUs After a Stock Drop: How to Manage Concentration Risk & Tax April 10, 2026 RSU Tax SpaceX Stock Options Tech Professionals SpaceX IPO Equity Planning: What Employees Need to Know About RSUs, Stock Options, and Taxes March 31, 2026 RSU Tax Nvidia Stock Options Tech Professionals Financial Planning for NVIDIA Employees in the San Francisco Bay Area: RSU Tax Strategy, ESPP, and Equity Compensation March 31, 2026 Investing How Tech Executives Should Invest To Turn High Income Into Long-Term Wealth March 5, 2026 / 0 Comments True Root Financial is a fee-only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2026/03/March-09.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-03-05 11:13:25 2026-03-05 11:13:25 How Tech Executives Should Invest To Turn High Income Into Long-Term Wealth How Can Tech Executives Begin Investing in 2026? January 2, 2026 / 0 Comments True Root Financial is a fee-only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2026/01/How-Can-Tech-Executives-Begin-Investing-in-2026.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-01-02 09:28:50 2026-01-02 09:36:24 How Can Tech Executives Begin Investing in 2026? Think RSUs Alone Are Enough? Here’s How To Invest Wisely May 3, 2025 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2025/05/May-05.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2025-05-03 04:58:02 2025-05-03 04:58:02 Think RSUs Alone Are Enough? Here’s How To Invest Wisely Got Extra Cash? Boost Your Portfolio When You Can February 27, 2025 / 0 Comments True Root Financial is a fee only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2025/02/March-03.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2025-02-27 16:32:42 2025-02-27 16:32:42 Got Extra Cash? Boost Your Portfolio When You Can Managing Money How Tech Executives Should Invest To Turn High Income Into Long-Term Wealth March 5, 2026 / 0 Comments True Root Financial is a fee-only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2026/03/March-09.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-03-05 11:13:25 2026-03-05 11:13:25 How Tech Executives Should Invest To Turn High Income Into Long-Term Wealth How Much Wealth Is “Enough”? A Strategic Approach To Financial Security For Tech Executives March 2, 2026 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2026/03/March-02.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-03-02 09:30:56 2026-03-02 09:30:56 How Much Wealth Is “Enough”? A Strategic Approach To Financial Security For Tech Executives What Happens When Tech Leaders Partner With The Right Financial Advisor? February 13, 2026 / 0 Comments True Root Financial is a fee-only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2026/02/What-Happens-When-Tech-Leaders-Partner-With-The-Right-Financial-Advisor.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-02-13 05:38:20 2026-02-13 05:38:20 What Happens When Tech Leaders Partner With The Right Financial Advisor? Struggling To Balance Lifestyle, Family, And Philanthropy? Here’s How Legacy Planning Solves It February 11, 2026 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2026/02/Here’s-How-Legacy-Planning-Solves-It.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-02-11 09:54:47 2026-02-11 09:54:47 Struggling To Balance Lifestyle, Family, And Philanthropy? Here’s How Legacy Planning Solves It Retirement Why Smart Tech Executives Sometimes Ignore Powerful ISO Tax Advantages February 17, 2026 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2026/02/Feb-23-.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2026-02-17 07:30:23 2026-02-17 07:30:23 Why Smart Tech Executives Sometimes Ignore Powerful ISO Tax Advantages Who Should Tech Professionals Talk To Before Retiring? February 13, 2025 / 0 Comments True Root Financial is a fee only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2025/02/Blog-Feb-17.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2025-02-13 07:18:23 2025-02-13 07:18:23 Who Should Tech Professionals Talk To Before Retiring? Do I Have to Work Into My 70s to Retire? September 28, 2024 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2024/09/Blog-Sept-30.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2024-09-28 15:39:38 2024-10-05 07:20:06 Do I Have to Work Into My 70s to Retire? High-Yield Savings: Safe Investment or A Cash Trap? July 6, 2024 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2024/07/Blog-July-.jpg 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2024-07-06 06:39:08 2024-07-06 06:39:08 High-Yield Savings: Safe Investment or A Cash Trap? Family Finances Why Giving Back Could Be The Smartest Wealth Move You Ever Make? October 9, 2025 / 0 Comments True Root Financial is a fee-only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2025/10/Oct-20.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2025-10-09 07:35:07 2025-10-09 07:36:19 Why Giving Back Could Be The Smartest Wealth Move You Ever Make? Should I Be Budgeting Differently Now That I’m a Mom? April 25, 2025 / 0 Comments True Root Financial is a financial advisor and financial planner… https://www.truerootfinancial.com/wp-content/uploads/2025/04/April-28.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2025-04-25 04:45:54 2025-04-25 04:45:54 Should I Be Budgeting Differently Now That I’m a Mom? What Happens To Your Stock Options In A Divorce? April 18, 2025 / 0 Comments True Root Financial is a fee only financial advisor and financial… https://www.truerootfinancial.com/wp-content/uploads/2025/04/What-Happens-To-Your-Stock-Options-In-A-Divorce.png 1260 2240 Snapweb Editor https://www.truerootfinancial.com/wp-content/uploads/2020/11/NEWLOGO.png Snapweb Editor 2025-04-18 05:31:51 2025-04-18 05:31:51 What Happens To Your Stock Options In A Divorce? What Should New Parents Do to Manage Their Finances? December 7, 2024 / 0 Comments True Root Finan