For Tech Employees
Financial Planning Built for Tech Employees
Your pay is partly cash and partly stock that vests on a schedule you did not pick. RSUs, ESPP shares, and options each carry their own tax rules, and a job change resets all of it.
What Attend Does for Tech Employees
Attend Wealth Inc. is an independent, fee-based registered investment adviser that works with tech employees from its Midtown Atlanta office and by video across the country. Advisory services are held to a fiduciary standard. There is no account minimum, and the first meeting is a complimentary 30-minute consult. For tech employees, equity compensation is usually the center of the work: RSUs that are taxed as ordinary income when they vest, ESPP purchases with their own holding-period rules, and incentive stock options that can trigger the alternative minimum tax. Around that we review six planning areas, cash flow, taxes, retirement, investments, insurance, and estate, and we coordinate with your CPA on the return.
Three Questions Tech Employees Ask Us
Equity compensation is generous, confusing, and easy to leave on autopilot until the concentration or the tax bill gets uncomfortable.
RSU vesting and a concentrated stock position
RSUs are taxed as ordinary income at vest, and the shares withheld for taxes are often not enough. After a few vesting cycles, one company can be most of your net worth. We set a plan for what to sell, when, and why.
ESPP and ISO decisions, including AMT
ESPP discounts are worth understanding, and so are the holding periods that change how the gain is taxed. Exercising incentive stock options and holding them can create alternative minimum tax in the year of exercise. We model these before you act, not after.
A job change and everything that comes with it
Leaving usually means unvested grants disappear, vested options have a short exercise window, and a 401(k) needs a home. A new offer brings a fresh grant to compare. We help you weigh the old package against the new one, in after-tax terms.
How we work
Every Grant, Every Account, One Plan
We start by pulling every grant agreement, vesting schedule, and account into one view, then decide what to do with the next vest rather than the last one. Most tech clients come to us as young professionals with a first big equity grant, or as families trying to turn stock into a house and a college fund. Some become high-net-worth households after a liquidity event. The work leans on tax planning and investment management that treats company stock as one holding, not a separate universe. Our fees page shows the cost before you meet us.
- Every grant you hold: RSUs, ESPP, ISOs, or NSOs, with vesting and expiration dates
- How much of your net worth is in one company today
- Whether an ISO exercise this year could create AMT
- What our advisory fee would be for your situation
The Six Planning Areas When Half Your Pay Is Stock
Each planning area picks up an equity compensation angle for tech employees.
These are general descriptions of common situations and are not advice for any specific employee, grant, or company.
Common Questions from Tech Employees
Should I sell my RSUs when they vest?
There is no single answer, but the tax question is simpler than most people expect. RSUs are taxed as ordinary income at vest whether you sell or hold, so keeping the shares is a decision to buy more company stock with after-tax money. We help you set a target concentration and a selling schedule that fits it.
Can you help me decide whether to exercise my ISOs?
Yes. Incentive stock options can qualify for long-term capital gain treatment if you meet the holding periods, but exercising and holding can create alternative minimum tax in the exercise year, sometimes on gains you have not received in cash. We model the AMT exposure with your CPA before you exercise, and we look at the expiration window if you are leaving.
Is my company's ESPP worth participating in?
Often it is, but the details matter. The discount, any lookback provision, the purchase period, and the holding periods for qualifying versus disqualifying dispositions all affect the after-tax result. We also check whether the extra payroll deduction fits your cash flow and whether you are already carrying too much of the same stock through RSUs.
What should I do with my 401(k) and equity when I change jobs?
Before you give notice, we review unvested grants you would forfeit, vested options and their post-termination exercise window, and any ESPP purchase in progress. For the 401(k), we compare leaving it, rolling it to the new plan, or rolling it to an IRA. The new offer's equity gets compared with the old one in after-tax terms.
How are you paid, and are you a fiduciary?
Attend is a fee-based registered investment adviser, and advisory services are held to a fiduciary standard. Advisory fees are explained in writing before you sign, and the fees page lays them out. Advisors may earn commissions on insurance products, and any such commission is disclosed before anything is placed.
Do I need a minimum, and do I have to be in Atlanta?
No on both counts. There is no account minimum, and unvested equity does not count against you. Our office is at 999 Peachtree St NE, Suite 418, in Midtown Atlanta, and we meet by video with tech employees anywhere in the country, with screen sharing so you see the same numbers we do.
Last updated September 22, 2026.
Look at the Next Vest Before It Happens
Schedule a complimentary 30-minute conversation, in Midtown or by video, and bring your grant summary so we can start with the real numbers.
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