BYH Financial Planning Process
For Boston tech employees
with equity compensation
You make good money. But do you have an intentional strategy to maximize what you can create with your high earnings?
Who We Help
Go from "high income"
to real, lasting wealth
Earning a big salary with grants of equity compensation is an incredible opportunity - and one that can go to waste if you don't have a systematic, intentional framework to put every one of those dollars to work building the life you truly want.
Using our systematic approach to optimizing how you manage your money means getting to enjoy more of what you want right now, while still planning responsibly for tomorrow. We'll be your guide through a collaborative, integrated, and strategic financial planning process designed to give you more freedom and flexibility.
For tech employees juggling demanding careers with young families who want to:
Ensure the money you saved is invested wisely according to a rules-based, risk-adjusted system so your assets can grow.
Use your money as a tool to live well today while still planning wisely for tomorrow.
Accomplish bigger financial goals while leveraging your time by outsourcing strategy and execution to an expert.
Have a sounding board to use to validate your ideas, and an experienced guide to help navigate uncertainties.
Smarter money management
Grow wealth, live well
BYH helps those navigating their career while establishing wealth, experiencing major life transitions, and growing families. We work with:
- Couples in their 30s or 40s with $500,000 or more in household income, who want support and clarity around financial decisions, especially as your life expands and things feel more complex
- Tech employees with complex compensation structures; your earnings come from a combination of wages, bonuses, commissions, and equity compensation
- Good savers with cash balances that you know you need to invest wisely to grow wealth
- Busy families who value being proactive and having a plan - and love executing once you have a specific strategy to follow
- Folks who want to strike a balance between enjoying life now while also growing wealth for a financially secure future
Wealth management and financial advice, catered to you
We’ll collaborate with you to fill the gaps in your plan, minimize errors, and optimize your path to what you want.
GO ON OFFENSE & GET PROACTIVE
- Set up a system for spending and saving that allows you to enjoy more of what you want in life now, without jeopardizing your future financial security
- Understand the true costs and benefits of each choice when you reach critical inflection points in life — like when you're looking at a career change, starting a business, beginning a family, buying a home, or working toward financial freedom
- Plan for opportunities and mitigate risks along the way, all while keeping your goals and values in mind so your financial strategy reflects what matters most to you
INVEST STRATEGICALLY & GROW WEALTH
- Ensure you fully understand where every dollar is best allocated in order to reach your goals
- Build tax-efficient strategies and plan appropriately around taxable events that could be triggered by equity compensation grants or sales
- Properly manage risk, asset allocation, and portfolio diversification in the context of your needs and what you hope to accomplish
- Get the education you need to feel confident about your investment strategy
MANAGE COMPLEXITY
- Determine the priority order of your goals after helping you understand what's most important, and create clarity around the best next steps to take with your money
- Evaluate the tax ramifications of non-qualified retirement and executive compensation plans to determine the best course of action that could significantly reduce your tax bill
- Have an objective conversation around your actual insurance requirements so you can get what you need - and drop what you don't
Mindful wealth management
Establish the right plan to reach
your desired outcome
Expand what's possible for your life when you learn how to use your money as a tool to live well today while still planning wisely for the future.