Financial advisor for tech professionals
![Financial advisor for tech professionals and executives](https://www.babylonfinance.org/wp-content/uploads/2023/02/Financial-advisor-for-tech-professionals-and-executives-scaled.jpg)
Babylon Wealth Management is a boutique financial advisor for tech professionals in the San Francisco Bay Area and nationally. We are committed to bringing simplicity to your complex world of equity ownership, employee stock options, restricted stock units, deferred comp, and employee stock purchase plans. Our mission is to provide you with unbiased and trustworthy financial advice to help you make well-informed decisions considering your financial goals, risk management, and tax implications.
Why we are different?
“I grew up in an environment which appreciated strong technical and math skills. Therefore, I chose a career in Finance and spent more than fifteen years on Wall Street, managing stock options and derivatives. This experience is instrumental when working with tech professionals and helping you solve complex financial and tax situations.”
Why tech professionals have unique financial needs?
As a financial advisor to tech professionals, I know that you have distinctive financial needs based on the unique characteristics of the tech and start-up industry. As most tech professionals, you receive a large portion of your earnings in the form of equity compensation. The type of equity compensation can vary significantly from one company to another. Your equity compensation can drive a financial windfall and tax burden. Additionally, personal and family circumstances can contribute to the additional complexities of your financial life.
![RSUs and stock options](https://www.babylonfinance.org/wp-content/uploads/2021/11/RSUs-and-stock-options.jpg)
What is Equity compensation?
Many tech professionals receive equity compensation supplementing your regular earnings. Equity compensation gives you ownership of your company. It can be a great source of your future wealth.
What are the main types of Equity compensation?
Download Our Comprehensive Guide to Equity Compensation
![](https://www.babylonfinance.org/wp-content/uploads/2023/03/Guide-to-Equity-Compensation-cover.jpg)
How can we help you?
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Financial Planning
Robust Financial Planning is essential to achieving your personal and financial goals. As fiduciary financial advisors for tech professionals, we believe that your unique circumstances require tailored solutions targeting your specific needs and priorities. We will develop a personalized roadmap to help you meet your personal and financial milestones. Our firm uses the best-in-class fin-tech platform that allows creating collaborative, transparent, and dynamic financial plans which update in real-time as your life and financial circumstances change.
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Retirement Planning
Retirement planning is a natural extension of the financial planning process. Retirement and often Early Retirement is an essential goal for many of our clients. We work hard to make sure that you can pursue your dreams and retire with confidence and peace of mind.
![FINANCIAL PLANNING FOR STOCK OPTIONS](https://www.babylonfinance.org/wp-content/uploads/2021/04/finance-2837085.jpg)
Strategic Tax Planning
For many tech professionals, successful financial planning involves a strategic and effective tax strategy. Our goal is to make sure that you get the most out of your equity compensation. Many of these financial and tax decisions will evolve through the various stages of your company’s business cycle. We encourage you to contact us as early as possible so that we can take a proactive (not reactive) approach to solve your complex tax circumstances.
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Section 83(b) election
The tax code allows certain stock option and restricted stock award owners to elect to pay an ordinary income tax based on the fair market value of the stock on the day it is granted. Section 83(b) election provides a lucrative tax-saving opportunity for many tech and startup professionals. Contact us if your company offers 83(b) election and if it makes sense for you to pursue it.
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Section 83(i) election
A relatively new change in the tax code, section 83 (I), permits qualified employees of eligible private companies to elect to defer, for up to five years, the income recognition related to exercising of stock options or vesting of stock rewards. Under section 83 (i), when an employee makes a deferral election, the “deferral stock” begins its holding period for long-term capital gain tax treatment on the date the qualified stock is transferred to the employee. The employee will not pay taxes on the value of the qualified stock for up to five years. The long-term capital gain holding period and the deferral period will run simultaneously.
![Managing concentrated positions](https://www.babylonfinance.org/wp-content/uploads/2021/06/Managing-concentrated-positions.jpg)
Managing concentrated positions
Having concentrated positions of company stock and stock options is a common premise for tech workers and executives. While concentrated positions could be an enormous source of future wealth, they are also representing a risk to our clients who have short-term and near-term financial needs. As an experienced financial advisor to tech professionals, I can help you create a personalized long-term investment, tax, and exit strategy for your concentrated positions.
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Managing sudden wealth and extra cash
Receiving sudden windfall is a dream of many hardworking tech professionals. While sudden wealth can bring a lot of exciting changes in your life, it can also have various financial, legal, and core repercussions. We strongly encourage you to form a team of financial and tax professionals who can address all your questions in a timely and proactive fashion.
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Corporate executives 10b5-1 plan administration
Rule 10b5-1 is a safe-harbor way for corporate executives and insiders to sell company shares. It requires them to establish a trading plan with a third party that will sell the stock. The plan will include written formula and methodology for determining the number of shares to be traded at a given point in time and price level.
Our Services
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Wealth
Management
Babylon Wealth Management is a boutique financial advisor for tech professionals in the San Francisco Bay Area. Our wealth management platform offers tech professionals and their families a unique one-stop solution combining personalized financial planning, expert investment management, tax-smart asset management, estate planning, tax advisory, and risk management. We employ investment strategies geared towards your specific near-term and long-term financial needs and circumstances.
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Financial
Planning
Our comprehensive financial planning is an ideal solution for do-it-yourself tech professionals who need some initial guidance. Our personalized advisory service brings a comprehensive view of your personal and financial life. We will help you build a roadmap to achieve your financial goals and personal milestones by developing a tailored financial plan. Through the course of our relationship, we will provide you with a specific list of recommendations on how to achieve your priorities and objectives.
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Stock Option
Tax Planning
Our stock options tax planning helps busy tech professionals make the most out of their equity compensation plans. We will work together to build an effective tax strategy to exercise your stock options and maximize your financial outcome. We will craft a personalized strategy that takes a snapshot of your equity holdings, analyzes a wide range of scenarios, and offers a path to unlock the value of your equity ownership.
Contact Us
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