FINANCIAL PLANNING FOR APPLE EMPLOYEES
Are your financial choices as an Apple employee shaping the future you want?
Let’s find out. For nearly 20 years, we’ve helped many Apple employees optimize their compensation and benefits to support the lifestyle and future they want. Deeply familiar with Apple’s benefit plans and restricted stock units, along with common challenges and opportunities you face — like high housing costs, taxes, and the potential to retire early — we’re uniquely equipped to help you uncover strategies, identify risks, and make the most of your earnings.
DON’T WAIT
Download our white paper to explore the seven key decisions that could transform your financial future.
The Challenges (and Opportunities) of High-Cost Real Estate
With stock compensation, salary, and bonuses, you’re making more than you ever have. Our proprietary, industry-recognized Opes Advantage software combines our real estate focus with scenario- based planning to reveal the long-term impact of your decisions.
Navigating Investments in a High Tax Bracket
From managing liabilities to harvesting losses, tax-smart investing matters if you’re in a high bracket. We proactively use management and deferral strategies within both your liquid investments and real estate holdings to identify ways to save on taxes.
Recognizing the Tech Sector’s Impact on
Your Finances
The tech industry impacts more than your career — it shapes your home’s value, investments, and financial decisions. Understanding the implications of your tech connection, we help you navigate complexity, balance trade-offs, and create a future that makes sense for you.
What Makes You Different
With salary, bonuses, and stock compensation, you’re making more than you ever have.
Your career could open the door to an early retirement or career change.
You may have significant exposure to Apple’s share price.
Busy with your career and family, you’ve put financial management on the back burner.
You’re managing expensive housing costs in a high-tax state.
You want to leverage Apple’s financial programs and benefits more effectively.
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By taking full advantage of your Apple benefits — the future of your desire is within reach.
The Seven Decisions You Need to Make
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Frequently Asked Questions From Apple Employees
Do you work with Apple employees at all asset levels?
We’re proud to offer guidance to Apple employees across nearly all asset levels.. Our expertise particularly shines when working with employees experiencing increased financial complexity, such as managing high taxes and housing costs and balancing key choices for the future.
Are you a fiduciary?
Yes, we have an obligation to put client interests first.
Do you work with Apple employees outside the Bay Area?
Are you independent?
Yes, we are an independent investment advisory firm, which means we’re not associated with a brokerage and can focus on recommending the best solutions for our clients without being limited to specific products or services. Our independent structure also helps mitigate conflicts of interest, ensuring our guidance is based solely on what’s best for you.
Do you have backgrounds in real estate?
Several of our team members have extensive expertise in real estate development and financing. We have decades of combined experience helping clients integrate real estate into financial planning to navigate challenges and opportunities in high-cost areas where real estate has an outsized influence to net worth.
Our proprietary software, Opes Advantage, enables us to purposefully integrate real estate in our scenario-based planning to illustrate how financial decisions, including real estate tactics, impact liquidity across various life stages.
What's Your Investment Philosophy?
We embrace modern portfolio theory, bringing decades of combined experience in global portfolio management, investment research, and exchange-traded funds (ETFs). Additionally, many of our clients live in high-risk/high-return geographics with prospects closely tied to the technology sector. We consider these factors through our Location Optimization strategy, strategically incorporating investments outside the traditional stock and bond framework to increase risk-adjusted returns and enhance diversification.
Explore Our Latest Insights For Apple Employees
How Can a Qualified Personal Residence Trust (QPRT) Help Me Reduce My Estate Taxes?
In estate planning, reducing taxes is a primary concern for many clients with significant wealth, and certain trusts can help achieve this goal. For example, a qualified personal residence trust (QPRT) is an irrevocable trust high-net-worth families may use
Year-End Gift Planning
If you are unfamiliar with various tax planning aspects of gifting money or property and are concerned that receiving or making a gift will produce a taxable event, this article will help you. We will clarify key information for giving or receiving money,