Exit Planning Institute - Find a CEPA

Are you paying more in taxes than your financial advisor is saving you?

If you're an executive or business owner in oil & gas, engineering, or tech…

You already know your income is high.

What you may not realize yet… is how much of it is already spoken for.

RSUs vesting on a schedule you don’t control.

Deferred comp stacking future liabilities.

A 401(k) quietly compounding… into a fully taxable income stream later.

I know what you’re thinking: “This doesn’t feel urgent today.”

Because the bill hasn’t arrived yet. But it’s building.

And once it becomes visible… it’s usually fixed.

Most advisors manage your portfolio. Very few are managing your tax exposure.

Because tax exposure is a slow leak… across every decision.

How you’re paid.

How you defer.

How you diversify.

And eventually… how you exit.

That’s the gap.

This is precisely why I work with pre-retirees and executives who are tired of feeling like they're one market swing away from a setback.

My approach follows a framework that is simple in concept… but precise in execution:

Protect what you’ve built.

Reposition concentrated risk.

And restructure future income so it’s not fully exposed to tax.

For clients in your position, that often means:

• Sequencing RSU/NSO liquidation to avoid bracket compression and concentrated exposure risk

• Integrating Roth conversion windows during low-income years pre-RMD phase

• Structuring income layers to reduce IRMAA impact and future Medicare surcharges

If you’ve been working with someone who manages your money… but hasn’t addressed this side of the equation…I'd like to have a 15-minute conversation.

CODY RICHARDSON