Frequently Asked Questions

Investment management means actively overseeing your portfolio, from selecting asset classes, building allocations, rebalancing, and implementing tax-efficient strategies. At MyWealthScript, we design diversified portfolios based on your complete desire for personalization, from risk to investment selection to complexity, and more. We also utilize tools such as tax-loss harvesting and location optimization to enhance after-tax returns.

Yes. Equity compensation planning is one of our specialties. We help tech employees, founders, and executives make informed decisions around option exercises, RSU sales, IPO planning, and concentration risk. We model tax outcomes, cash flow, and liquidity to ensure your strategy aligns seamlessly with your overall plan.

Meaningful financial planning benefits people at many wealth levels. While we generally work with clients who have $1 million or more in investable assets, we also partner with individuals below that threshold when their planning needs are a strong fit. Our clients’ income usually exceeds $250,000 a year, including bonus, base, and equity compensation. We frequently work with clients who earn $1 million or more annually.

We are a fee-only fiduciary financial advisor in San Francisco, which means we never accept commissions from product vendors. Our fees are typically based on a percentage of assets under management (AUM) but we also offer a fixed fee billed via your credit cards for clients that don’t quite meet our minimums or prefer to invest for themselves. As fiduciaries, our only obligation is to act in your best interest.

No. All investing involves risk, and past performance does not guarantee future results. What we do guarantee is a disciplined process: diversified portfolios, tax-aware strategies, ongoing oversight, and risk management designed to align with your long-term objectives.

Tax planning is part of every decision we make. We consider current and future tax brackets, manage capital gains, use tax-favored accounts, harvest losses, and coordinate with your CPA. We also evaluate charitable giving, trusts, and entity planning to help reduce long-term tax drag.

Estate planning is fully integrated into our wealth management approach. We coordinate strategies such as wills, revocable and irrevocable trusts, gifting, charitable planning, powers of attorney, and healthcare directives. Our goal is to help you pass on wealth in an efficient and intentional manner.

We recommend a formal review at least once a year. We’ll also meet more frequently during significant life events, such as marriage, having children, job transitions, liquidity events, or significant market shifts. In addition, you’ll have access to ongoing monitoring, reporting, and periodic check-ins.

• Equity compensation expertise: We have extensive experience and knowledge of dealing with RSUs, options, IPO events, and liquidity planning.
• Holistic integration: We tie investments, taxes, estate, real estate, and personal goals together.
• Fee-only fiduciary model: No commissions; our incentives are aligned with yours.
• Personalized attention: We believe in customized financial planning, not one-size-fits-all portfolios.
• Data-driven decisions: We use scenario modeling, stress tests, and forward-looking analysis.

The first step is a complimentary intro call where you share your goals and financial situation. From there, we may request account statements, tax returns, or equity comp details to build your profile. We’ll then provide a tailored proposal and roadmap. Click here to get started.

Yes. While we have extensive experience working with tech professionals and founders, our process is applicable broadly. We work with executives, professionals, business owners, and families in diverse industries, particularly those with complex compensation or concentrated stock holdings.