Executive Team and Leadership
Group Onboarding

Typical Net Worth:

• Varies by role and equity participation across the leadership team
• Often ranging from $5M to $100M+ in aggregate executive wealth

Key Needs:

• Coordinated equity and compensation planning across roles
• Aligned tax strategy to reduce surprises and inefficiencies
• Liquidity planning within blackout and compliance constraints
• Consistency across executive planning without sacrificing personalization
• Centralized oversight to reduce fragmented decision making

Our Services:

• Equity compensation and liquidity planning
• Tax planning and regulatory navigation
• Investment management and portfolio design
• Risk management and asset protection
• Estate and legacy planning
• Executive wealth coordination

Founder & Entrepreneur
Executives (Pre-Exit & 
Post-Exit)

Typical Net Worth:

$10M–$100M+

Key Needs:

Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

Mapped Services:

• Equity Compensation & Liquidity Planning
• Investment Management & Portfolio Design
• Tax Planning & Strategic Tax Services
• Risk & Asset Protection
• Estate & Legacy Planning
• Wealth Planning

Retired or Transitioning Executives

Typical Net Worth:

$10M–$100M+

Key Needs:

Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

Mapped Services:

• Equity Compensation & Liquidity Planning
• Investment Management & Portfolio Design
• Tax Planning & Strategic Tax Services
• Risk & Asset Protection
• Estate & Legacy Planning
• Wealth Planning

Global Executives

Typical Net Worth:

$10M–$100M+

Key Needs:

Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

Mapped Services:

• Equity Compensation & Liquidity Planning
• Investment Management & Portfolio Design
• Tax Planning & Strategic Tax Services
• Risk & Asset Protection
• Estate & Legacy Planning
• Wealth Planning

PE-Backed Executives

Typical Net Worth:

$10M–$100M+

Key Needs:

Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

Mapped Services:

• Equity Compensation & Liquidity Planning
• Investment Management & Portfolio Design
• Tax Planning & Strategic Tax Services
• Risk & Asset Protection
• Estate & Legacy Planning
• Wealth Planning

Tech & Pre-IPO Executives

Typical Net Worth:

$10M–$100M+

Key Needs:

Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

Mapped Services:

• Equity Compensation & Liquidity Planning
• Investment Management & Portfolio Design
• Tax Planning & Strategic Tax Services
• Risk & Asset Protection
• Estate & Legacy Planning
• Wealth Planning

Public Company CEOs & CFOs

Typical Net Worth:

$10M–$100M+

Key Needs:

Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

Mapped Services:

• Equity Compensation & Liquidity Planning
• Investment Management & Portfolio Design
• Tax Planning & Strategic Tax Services
• Risk & Asset Protection
• Estate & Legacy Planning
• Wealth Planning

Hold / Monitor

What TQM does

• We help you understand what you’ve been granted
  and how to plan actions.
• AMT expo n from day one.

How TQM helps:

• Equity analysis and modeling
• Vesting calendar review
• 83(b) considersure awareness
• Coordination with corporate counsel

Legacy

What TQM does

• We help you understand what you’ve been granted
  and how to plan actions.
• AMT expo n from day one.

How TQM helps:

• Equity analysis and modeling
• Vesting calendar review
• 83(b) considersure awareness
• Coordination with corporate counsel

Liquidity

What TQM does

• We help you understand what you’ve been granted
  and how to plan actions.
• AMT expo n from day one.

How TQM helps:

• Equity analysis and modeling
• Vesting calendar review
• 83(b) considersure awareness
• Coordination with corporate counsel

Exercise

What TQM does

• We help you understand what you’ve been granted
  and how to plan actions.
• AMT expo n from day one.

How TQM helps:

• Equity analysis and modeling
• Vesting calendar review
• 83(b) considersure awareness
• Coordination with corporate counsel

Vest

What TQM does

• We help you understand what you’ve been granted
  and how to plan actions.
• AMT expo n from day one.

How TQM helps:

• Equity analysis and modeling
• Vesting calendar review
• 83(b) considersure awareness
• Coordination with corporate counsel

Grant

What TQM does

• We help you understand what you’ve been granted
  and how to plan actions.
• AMT expo n from day one.

How TQM helps:

• Equity analysis and modeling
• Vesting calendar review
• 83(b) considersure awareness
• Coordination with corporate counsel

Liquidity & Major Event
Planning

We help you make confident decisions around your
employer stock and compensation: 

• RSUs, PSUs, ISOs, NSOs
• Exercise timing and tax optimization
• 10b5-1 plans
• Hedging and diversification strategies
• Pre-IPO and post-liquidity planning

Outcome:

Reduce risk, avoid tax surprises, and turn concentrated
wealth into long-term financial stability.

Executive-Life
Coordination

We help you make confident decisions around your
employer stock and compensation: 

• RSUs, PSUs, ISOs, NSOs
• Exercise timing and tax optimization
• 10b5-1 plans
• Hedging and diversification strategies
• Pre-IPO and post-liquidity planning

Outcome:

Reduce risk, avoid tax surprises, and turn concentrated
wealth into long-term financial stability.

Family Wealth, Estate
Planning & Legacy

We help you make confident decisions around your
employer stock and compensation: 

• RSUs, PSUs, ISOs, NSOs
• Exercise timing and tax optimization
• 10b5-1 plans
• Hedging and diversification strategies
• Pre-IPO and post-liquidity planning

Outcome:

Reduce risk, avoid tax surprises, and turn concentrated
wealth into long-term financial stability.

Personalized Wealth &
Portfolio Management

We help you make confident decisions around your
employer stock and compensation: 

• RSUs, PSUs, ISOs, NSOs
• Exercise timing and tax optimization
• 10b5-1 plans
• Hedging and diversification strategies
• Pre-IPO and post-liquidity planning

Outcome:

Reduce risk, avoid tax surprises, and turn concentrated
wealth into long-term financial stability.

Tax Planning &
Regulatory Navigation

We help you make confident decisions around your
employer stock and compensation: 

• RSUs, PSUs, ISOs, NSOs
• Exercise timing and tax optimization
• 10b5-1 plans
• Hedging and diversification strategies
• Pre-IPO and post-liquidity planning

Outcome:

Reduce risk, avoid tax surprises, and turn concentrated
wealth into long-term financial stability.

Equity Compensation &
Concentration Strategy

We help you make confident decisions around your
employer stock and compensation: 

• RSUs, PSUs, ISOs, NSOs
• Exercise timing and tax optimization
• 10b5-1 plans
• Hedging and diversification strategies
• Pre-IPO and post-liquidity planning

Outcome:

Reduce risk, avoid tax surprises, and turn concentrated
wealth into long-term financial stability.

Inherited Wealth
Recipients/Family Trustees 

Challenges: 

• Lack of understanding of trust mechanics and obligations. 
• Anxiety over “ruining” heirs with too much privilege. 
• Poor tax efficiency in trust distributions. 
• No long-term structure for wealth stewardship. 

TQM Value: 

• Designs trust-optimized investment strategies. 
• Helps educate heirs on financial responsibility. 
• Aligns trust structures with family purpose and charitable intent. 

Our Services 

• Comprehensive Financial Planning 
• Investment Management 
• Insurance & Risk Management 
• Legacy & Estate Planning 

Executives & Corporate
Professionals Nearing Retirement 

Challenges:

• Fear of outliving assets (longevity risk). 
• Unclear withdrawal and tax strategy. 
• Market volatility concerns. 
• Complexity managing multiple retirement accounts. 
• Desire for lifestyle preservation without financial stress. 

TQM Value:

• Builds a Liability-Driven Investment (LDI) framework for predictable income. 
• Aligns asset allocation with lifestyle and philanthropic goals. 
• Benchmarks investment performance against personal required rate of return. 

Our Services 

• Comprehensive Financial Planning 
• Investment Management 
• Insurance & Risk Management 
• Legacy & Estate Planning 

High-net-worth Families
with Complex Wealth Structures 

Challenges: 

• No single, integrated household balance sheet across trusts, entities, investments, and family members. 
• Tax inefficiencies created by overlapping advice and disconnected planning. 
• Risk exposures that are not clearly mapped to family goals or long-term needs. 
• Lack of coordinated oversight across advisors, generations, and decision-makers. 

TQM Value: 

• Creates a centralized financial operating system that brings full visibility across the family’s wealth. 
• Uses TQM’s Total Quality Wealth Management to connect investment strategy, tax planning, and estate design. 
• Applies the Critical Path framework to identify the family’s minimum required rate of return to meet long-term goals. 
• Uses that insight to guide disciplined portfolio decisions, including when to rebalance or take gains during strong markets. 
• Benchmarks progress against a living financial plan and clearly defined risk capacity metrics.  

Our Services

• Comprehensive Financial Planning 
• Investment Management 
• Risk & Insurance Review 
• Family Wealth & Philanthropy

Families with Generational
Wealth/Nearing Estate Transition 

Challenges: 

• Estate tax exposure: Concern about losing up to 40%+ of estate to taxes. 
• Wealth transfer complexity: Fragmented trusts, entities, and outdated structures. 
• Heir preparedness: Lack of education or discipline among next generation. 
• Family tension: Conflicting views about legacy or wealth values. 
• Philanthropy strategy: Uncoordinated charitable giving without impact alignment. 

TQM Value: 

• Builds an integrated legacy and tax minimization strategy using advanced planning. 
• Coordinates attorneys, trustees, and CPAs to ensure efficiency and compliance. 
• Uses Critical Path modeling to simulate estate outcomes under different tax scenarios. 
• Facilitates family governance and next-gen financial education. 

Our Services 

• Legacy & Estate Planning 
• Family Wealth & Philanthropy 
• Comprehensive Financial Planning 
• Risk & Insurance Review 

Woman In Transition
(Divorced, Inheritance, or Widowhood) 

Challenges: 

• Uncertainty about total wealth, income sufficiency, and long-term financial security. 
• Managing multiple accounts, attorneys, and advisors without a clear financial lead. 
• Risk of emotional or reactive decisions during a highly personal life transition. 
• Loss of financial confidence and growing decision fatigue. 
• Need to establish independence while protecting future lifestyle and family priorities. 

TQM Value:

• Rebuilds a comprehensive household balance sheet to create immediate clarity and control. 
• Provides fiduciary, non-judgmental guidance, helping you make confident decisions at your own pace. 
• Designs a Critical Path plan focused on lifetime income, stability, and purpose. 
• Acts as a steady partner, helping you move forward with confidence rather than urgency. 

Our Services: 

• Comprehensive Financial Planning 
• Specialized Planning 
• Legacy & Estate Planning 

Widowers or Recently
Divorced with Substantial Wealth 

Challenges: 

• Emotional overwhelm and fear of making costly financial mistakes during a major life transition. 
• Fragmented accounts and limited visibility across assets, income, and obligations. 
• Need for income planning and a thoughtful reassessment of estate priorities. 
• Outdated estate documents, beneficiary designations, or trust structures. 
• Navigating the complexities of blended families, with a need to protect wealth for children while honoring new family dynamics. 
• Increased vulnerability to poor or self-interested advice. 

TQM Value: 

• Acts as your Personal CFO, simplifying decisions and coordinating every aspect of your financial life. 
• Builds a Critical Path framework that balances near-term security with long-term legacy goals. 
• Aligns estate, trust, and insurance strategies to reflect new life circumstances and family structures. 
• Helps protect wealth intentionally, ensuring assets are directed according to your wishes and your children’s future needs. 

Our Services:

• Legacy & Estate Planning 
• Family Wealth & Philanthropy 
• Risk Management 

High income
Biotech Executive 

Challenges 

• Concentrated stock risk from equity compensation and uncertainty around diversification timing. 
• Complex tax exposure related to RSUs, NSOs, ISOs, AMT, stock sales, and deferred compensation. 
• No integrated plan linking equity decisions to long-term liquidity. retirement, and legacy goals. 
• Market volatility creating anxiety about when and how to divest concentrated positions. 
• Managing advice across multiple, uncoordinated professionals without a clear financial lead. 

TQM Value: 

• Performs detailed equity compensation analysis, helping you understand and optimize decisions around RSUs, NSOs, and ISOs in the context of your full financial picture. 
• Designs a Critical Path Plan that connects equity events to post-liquidity investment, tax, and estate strategies. 
• Coordinates CPA, legal, and investment teams to ensure equity, tax, and planning decisions stay aligned. 
• Uses liability-driven investing (LDI) to balance income needs with appropriate market exposure. 
• Acts as your Personal CFO, providing one point of accountability across every financial decision. 

Our Services: 

• Investment Management 
• Comprehensive Financial Planning 
• Tax-Efficient Legacy Planning 

Entrepreneurs & Business
Owners Nearing Exit 

Challenges: 

• Lack of liquidity planning pre-sale. 
• Estate and succession uncertainty. 
• Heavy tax drag at sale. 
• Post-exit identity and investment strategy confusion. 
• Siloed advice from transaction, tax, and investment professionals. 

TQM Value: 

• Provides a pre-sale to post-sale roadmap integrating business value, family wealth, and tax strategy. 
• Implements tax-efficient structures (e.g., charitable trusts, gifting strategies). 
• Aligns wealth transfer with family goals and philanthropic intent. 

Our Services:

• Business Owner & Liquidity Planning 
• Legacy & Estate Planning 
• Investment Management