Corporate executives
Executive compensation creates opportunities and complexities that extend well beyond salary.
Cleros coordinates equity compensation, investment management, and personal financial planning to help executives manage concentrated wealth and prepare for important career transitions.
Equity compensation planning
Equity awards, deferred compensation, and performance incentives can create substantial wealth with complex financial implications.
We evaluate compensation structures, vesting schedules, distribution elections, and liquidity needs to coordinate executive benefits with your broader financial strategy.
Concentrated stock management
Company stock holdings can create substantial exposure to a single employer.
We evaluate diversification strategies, trading restrictions, tax considerations, and liquidity requirements to help manage concentrated positions while accounting for ongoing equity awards.
Tax-aware planning
Executive compensation can create significant tax obligations across multiple years and income sources.
We coordinate with tax professionals to evaluate equity exercises, vesting events, deferred compensation, charitable strategies, and other decisions that may affect your after-tax wealth.
Investment management
An executive's investment portfolio should account for wealth accumulated through compensation and company ownership.
We develop portfolios that complement existing equity exposure, balancing risk, liquidity, and long-term objectives across your broader financial position.
Retirement and benefit planning
Retirement, a change in leadership, or a departure from the company can materially alter compensation and benefits.
We model future income, equity vesting, retirement benefits, and investment distributions to help executives evaluate transition scenarios and their long-term financial implications.
Estate and wealth transfer
Accumulated equity and investment assets can introduce additional considerations for generational wealth planning.
We work alongside legal and tax professionals to coordinate estate structures, gifting strategies, charitable intentions, and the transfer of wealth to future generations.
FAQs we hear from corporate executives
A concentrated position can expose both your career income and personal wealth to the performance of one company. We evaluate diversification opportunities, liquidity needs, tax implications, and applicable trading restrictions to develop a strategy suited to your circumstances.
The timing of vesting, option exercises, and share sales can have significant financial and tax implications. We evaluate your award schedules, exercise costs, tax obligations, and liquidity requirements to coordinate equity compensation with your broader plan.
The decision depends on your overall exposure to company stock, tax circumstances, liquidity needs, and investment objectives. We help assess whether retaining or selling shares supports an appropriate balance of risk across your financial position.
Deferred compensation can provide opportunities to manage the timing of taxable income, but elections may involve restrictions, employer credit risk, and limited flexibility. We evaluate distribution schedules, anticipated future income, and retirement objectives before important election deadlines.
Stock awards, bonuses, option exercises, and deferred compensation distributions may create substantial tax liabilities. We coordinate with your tax advisers to evaluate timing, withholding, and available planning strategies across multiple tax years.
The treatment of outstanding awards depends on your compensation agreements, vesting provisions, and the circumstances of your departure. We review the financial implications of vested and unvested equity, exercise deadlines, and benefit changes as part of your transition planning.
We evaluate accumulated assets, future spending, outstanding equity awards, deferred compensation, retirement benefits, and anticipated taxes. Modeling different departure dates helps assess the financial tradeoffs of remaining employed versus transitioning to the next stage.
Cleros Wealth Partners works with a limited number of clients.
We are thoughtful about the clients we serve, seeking relationships where our approach can support their needs today and well into the future.
Clients looking for a highly personal advisory relationship are invited to write to us directly.
