If you’re working for a tech start-up or listed company, we can help navigate the complexities and sometimes life-changing opportunities of RSU schemes, ESPP offers and ESS.
We’ll help you make important decisions around risk, diversification, capital gains and more.
For those fortunate and hard-working enough to have a lucrative employee share scheme, if managed well, they can set up your financial future or at least give you a big bump in that direction.
The opportunity is great, but the strategies and options are numerous and complicated.
Do I sell, buy more, hold on for the long-term, or diversify? All options will have pros and cons to be carefully considered, and in the context of your priorities and intentions.
All options come with potentially different tax outcomes and even cash flow implications, which we’ll help you understand and navigate so that you’re making the right choices for you.
You’ll be dealing with grants, options, rights, and complicated tax arrangements.
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While the industry has been treating people like walking wallets, we’ve recreated and redefined financial advice - we call it financial life management. It’s based on the understanding that your life and finances are inseparable, and money is just a resource to give you choices and help you live the life you want.
There are the traditional asset classes of shares, property, bonds and cash. Beyond these, alternative options include private equity, venture capital, direct bonds and wholesale property syndicates. Of course, what's suitable will depend on your goals, timeframe and temperament for investing.
Common structures include family trusts, superannuation, companies and investment bonds. All structures vary in tax rates both for income and capital gains, flexibility, asset protection and estate planning. We'll help you determine the right vehicles to manage your wealth based on your circumstances.
There are a lot of variables to carefully consider with employee share schemes. If there is a considerable concentration of your wealth in the company you work for, it's often wise to sell a portion of your shares to diversify. This will reduce your risk by ensuring your financial future isn't a bet on the future success of your employer. In doing so, it's important to understand the tax implications, what you can do to manage capital gains tax (CGT), and have a plan for the proceeds.
One-off financial advice fees are generally deductible to the extent that they relate to tax advice. Ongoing financial advice fees are generally deductible to the extent that relate to producing assessable income. Before claiming a deduction, we recommend sharing your Summary of Advice, invoices, and our estimate on what may be deductible to you with your qualified accountant.
