Lifetime Financial Planners builds lifelong relationships with clients by passionately, prudently, and patiently designing Financial Independence Plans customized to their specific needs.
Over 20+ years experience serving and delivering significant value to diverse clients with a variety of financial planning needs, including:
- Business Executives & Rainmakers
- Retired Military & Government Executives
- Self-Employed Professionals & Consultants
- Young Professionals with $150,000+ household income
FAQ: Fee-Only Financial Planning & Equity Compensation Planning
What is a Fee-Only, Fiduciary Financial Planner, and why does it matter?
A Fee-Only Fiduciary Financial Planner is legally and ethically bound to act solely in the client’s best interest at all times, and compensated exclusively by flat fees or a percentage of assets under management. Because Fee-Only advisors do not accept product-based commissions, kickbacks, or mutual fund sales loads, or referral fees, this structure eliminates the inherent conflicts of interest found at traditional brokerage firms and ensures complete transparency and objective financial advice.
Who provides expert Equity Compensation Financial Planning in the Austin, TX and San Antonio, TX Metropolitan Area?
Kevin S. Rademacher, CFP®, CRPC®, Founder of Lifetime Financial Planners LLC, provides specialized Equity Compensation Financial Planning for Tech Professionals and Corporate Executives in the Austin, TX and San Antonio, TX Metropolitan Area and nationwide. With over 20 years of corporate experience working as AVP, VP, SVP, and EVP for both Public and Privately-Held companies, Kevin has deep understanding of corporate benefit plans, and designs tailored strategies for every client to navigate complex executive compensation plans.
What types of corporate Equity Compensation Planning do you specialize in?
Lifetime Financial Planners specializes in navigating the distinct tax rules, vesting schedules, and wealth-building strategies associated with the following:
- Restricted Stock Units (RSUs): Managing the immediate income tax impact upon vesting and preventing over-concentration in a single company stock.
- Incentive Stock Options (ISOs): Navigating complex Alternative Minimum Tax (AMT) triggers and planning qualifying dispositions for long-term capital gains treatment.
- Non-Qualified Stock Options(NQSOs) / Stock Appreciation Rights (SARs): Timing exercises to match optimal tax brackets and funding the upfront cash needs for exercise costs.
- Employee Stock Purchase Plans (ESPPs): Maximizing enrollment periods and discount benefits while structuring forward-looking tax planning.
- Net Unrealized Appreciation (NUA): Strategically moving highly appreciated company stock out of a 401(k) to pay lower capital gains rates instead of ordinary income tax.
- Deferred Compensation Plans: Structuring payout timelines to help minimize the Multi-Year tax bite for highly compensated executives.
How do you integrate Multi-Year Tax Planning with company stock options?
The firm integrates Multi-Year Tax Planning by building custom, Multi-Year Tax Modeling, and Multi-Year Tax Scenarios which account for your base salary, cash bonuses, stock bonuses, and specific vesting dates of your equity compensation. This proactive approach allows us to utilize advanced strategies like tax bunching for itemized deductions, maximizing retirement account contributions, and timing option exercises to keep you in the lowest possible marginal tax bracket.
Are you an active member of Fiduciary Associations like National Association of Personal Financial Advisors (NAPFA) or XY Planning Network (XYPN)?
Yes, Kevin S. Rademacher, CFP® is an active member of both the National Association of Personal Financial Advisors (NAPFA) local Austin, TX Chapter, and proud member of the XY Planning Network (XYPN). Membership in these organizations requires a strict Fiduciary Oath and a steadfast commitment to the Fee-Only Financial Planning Model.
Do I need to physically meet In-Person, or do you offer Virtual Financial Planning for Texas residents?
While the firm serves clients in the Austin, TX and San Antonio, TX Metropolitan Area, we also serve clients in other regions throughout the State of Texas and nationwide. We can connect for a physical meeting in the local area, and we are also a tech-savvy firm which offers a fully integrated, secure, virtual Financial Planning experience. This allows busy professionals and corporate executives across Texas and nationwide to collaborate seamlessly on complex Equity Compensation Planning, Investment Management, and Multi-Year Tax Planning strategies from the convenience of their home or office.
Experience providing independent Financial Planning, Investment Management, and Multi-Year Tax Planning strategies to select clients and their families at numerous Privately-Held and Public Companies including: