Boutique Wealth Management for Those in Tech
Wealth Script Advisors was built for clients who want truly personalized advice, honest conversations, and a long-term partner.
We provide wealth management solutions to tech professionals in Silicon Valley and throughout the United States. With over a decade of experience advising individuals and families navigating their tech careers, we’ve developed a deep understanding of how your decisions can shape your financial future.
Clients choose us for our clear, conflict-free advice and our focus on helping them manage complex investments and income streams.
Our goal is simple: to help you design and follow a disciplined plan that supports your independence, flexibility, and the financial freedom to choose what’s next.
Managing a Budget Despite Being Wealthy
Problem
- Apparent Wealth, Hidden Shortfalls
- Ari holds $7 million in investable assets and earns over $500,000 annually.
- Despite high income and inherited wealth, he found himself tapping savings and running up credit-card balances some years.
- Ari holds $7 million in investable assets and earns over $500,000 annually.
- Goal: Early Retirement (FIRE)
- Ari plans to leave the tech grind by age 45.
- Without a disciplined budgeting framework, his spending habits threatened that timeline.
- Ari plans to leave the tech grind by age 45.
Solution
- Cash-Flow Forecast
- Built a detailed projection of Ari’s income, expenses, and investment growth through age 45.
- Illustrated how incremental spending cuts would translate into earlier retirement readiness.
- Built a detailed projection of Ari’s income, expenses, and investment growth through age 45.
- 2. Expense Audit & Targets
- Reviewed every line item from the past year’s statements and categorized expenses.
- Identified discretionary categories ripe for 5–10% reduction (e.g. dining, travel) while preserving meaningful lifestyle items.
- Reviewed every line item from the past year’s statements and categorized expenses.
- 3. Annual Accountability
- Agreed on yearly check-ins to:
- Reconcile actual spending against targets
- Update the cash-flow model based on any life changes
- Reset goals and adjustment plans as needed
- Reconcile actual spending against targets
- Agreed on yearly check-ins to:
Outcome
- Gradual Behavioral Shift
- Over three annual reviews (ages 40–43), Ari steadily aligned his actual spending with his projections.
- Over three annual reviews (ages 40–43), Ari steadily aligned his actual spending with his projections.
- Seamless Lifestyle Transition
- By age 44, just one year before his FIRE goal, his spending habits naturally matched the budget plan without feeling deprived.
- By age 44, just one year before his FIRE goal, his spending habits naturally matched the budget plan without feeling deprived.
- Confidence in Early Retirement
- Ari reports that he “doesn’t even notice” the eliminated frivolous expenses.
- He’s energized for his final year in tech, fully on track for the early retirement of his dreams.
- Ari reports that he “doesn’t even notice” the eliminated frivolous expenses.
Refinancing A Rental Property With Non-Traditional Loans
Problem
- Long-held Rental Asset
- John purchased a San Jose rental property 20 years ago.Ten years back, he refinanced into an adjustable-rate mortgage (ARM).
- John purchased a San Jose rental property 20 years ago.Ten years back, he refinanced into an adjustable-rate mortgage (ARM).
- Rising Rates, Squeezed Cash Flow
- As rates climbed and the ARM reset, John’s mortgage rate jumped above 7%.
- What was once a cash-flow-positive investment began eating into his monthly income.
- As rates climbed and the ARM reset, John’s mortgage rate jumped above 7%.
- Need for a Creative Refinance
- Traditional refinancing options weren’t delivering enough savings.
- John came to us seeking an innovative solution to restore healthy cash flow.
- Traditional refinancing options weren’t delivering enough savings.
Solution
- Explored Traditional Refi First
- We reached out to our partners at Rocket Mortgage to evaluate a 6% fixed-rate option and reduce closing costs.
- However, we determined we could drive greater savings with a non-traditional approach.
- We reached out to our partners at Rocket Mortgage to evaluate a 6% fixed-rate option and reduce closing costs.
- Implemented a Box Spread Loan Against Brokerage Assets
- Opened an Interactive Brokers account on John’s behalf.
- Structured a box-spread position on his $2 million portfolio to effectively borrow at the 10-year Treasury rate.
- We did the heavy lifting: executed the trades, set up the loan, and maintained his core portfolio allocation.
- Opened an Interactive Brokers account on John’s behalf.
Outcome
- Ultra-Low Interest Financing
- John borrowed $300,000 at 4.5% (10-year Treasury) — with no origination fees or closing costs.
- Funds were wired directly; John paid down his variable-rate mortgage immediately.
- John borrowed $300,000 at 4.5% (10-year Treasury) — with no origination fees or closing costs.
- Restored & Improved Cash Flow
- Mortgage expense dropped by thousands per year.
- The property returned to a healthy, predictable, cash-flow positive status.
- Mortgage expense dropped by thousands per year.
- Ongoing Advantage
- John retains full investment exposure to his brokerage account.
- We continue to monitor and adjust the structure as markets and rates evolve.
- John retains full investment exposure to his brokerage account.
Deferred Compensation Optimization
Problem
- Inconsistent Deferred Compensation Elections
- Rich worked at Nvidia for 10 years and participated in the deferred compensation plan annually.
- He varied his elections each year: sometimes contributing heavily, other years minimally.
- Payout elections likewise changed, some distributions on separation, others in five years.
- Rich worked at Nvidia for 10 years and participated in the deferred compensation plan annually.
- Uncertainty Around Optimization
- Rich recognized the plan’s value but lacked a clear framework to:
- Coordinate contributions with his retirement timeline
- Manage his resulting tax liability
- Coordinate contributions with his retirement timeline
- Rich recognized the plan’s value but lacked a clear framework to:
Solution
- Mapping Cash Flows & Tax Impact
- We compiled every historical election into a single spreadsheet model.
- Tracked contribution amounts, election dates, and distribution schedules
- Projected taxable income by year and mapped to retirement date
- Tracked contribution amounts, election dates, and distribution schedules
- We compiled every historical election into a single spreadsheet model.
- Establishing New Election Rules
- We defined target retirement in 10 years and realigned distributions accordingly:
- Contribution Rate: Set a consistent annual savings percentage
- Distribution Start: Deferred first payout until retirement year
- Spread Schedule: Extended distributions evenly over 10 years
- Contribution Rate: Set a consistent annual savings percentage
- We defined target retirement in 10 years and realigned distributions accordingly:
- Implementation & Alignment
- Contacted the plan provider to update Rich’s elections per new rules
- Reviewed and adjusted investment line-up within the deferred plan
- Matched sub-account choices to the time horizon of each payout tranche
- Matched sub-account choices to the time horizon of each payout tranche
- Contacted the plan provider to update Rich’s elections per new rules
Outcome
- Controlled Tax Bracket
- By deferring distributions until retirement, Rich avoids stacking plan payouts on W-2 income in peak‐earning years.
- By deferring distributions until retirement, Rich avoids stacking plan payouts on W-2 income in peak‐earning years.
- Maximized Low-Bracket Window
- Delaying Social Security and RMDs cultivated a decade of lower taxable income, ideal for Roth conversions and other strategies.
- Delaying Social Security and RMDs cultivated a decade of lower taxable income, ideal for Roth conversions and other strategies.
- Predictable, Efficient Distributions
- A uniform 10-year payout schedule allows:
- Steady cash flow in retirement
- Tax-efficient supplemental withdrawals from brokerage accounts
- Steady cash flow in retirement
- A uniform 10-year payout schedule allows:
- Results
- Taxes Reduced: Optimized bracket management and conversion opportunities
- Investment Potential Improved: Consistent investment horizon across distribution tranches
- Peace of Mind: Rich feels confident in a clear, repeatable process for his deferred compensation strategy
- Taxes Reduced: Optimized bracket management and conversion opportunities
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