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Equity Compensation Planning in Florida That Simplifies Complex Decisions

Getting equity in your compensation package can feel exciting until you’re trying to figure out when to sell, what taxes you owe, or what to do if the stock dips. Individuals are often left with more questions than answers.

At AMG Wealth Management, we work with tech professionals and entrepreneurs who want help making smart, thoughtful decisions about their equity, without the jargon or pressure. Whether you’re facing your first RSU vesting or prepping for a big liquidity event, we’re here to help you slow down, make sense of it, and move forward with clarity.
See How We Support Tech Professionals

— Strategic Equity Planning

What Equity Compensation Planning Really Means

Equity is often one of the biggest pieces of your financial life, but most people don’t get clear advice on how to manage it. They simply take on the stress and do their best to navigate the process.

We’re here to change that. Our equity compensation planning helps you understand your stock options, grants, and tax exposure so you can avoid surprises and make decisions that support your long-term goals.

We’ve helped clients answer questions like:

  • Should I exercise my ISOs now, or wait?
  • How do I plan around AMT?
  • What are the tax implications of my RSUs vesting this year?
  • How much company stock is too much to hold?
  • What happens if I leave before everything vests?
More than technical questions, these are decisions that impact your lifestyle, your goals, and your sense of stability. Our role is to make them feel more manageable through ongoing guidance that aligns with your personal and professional life.

— About Adam

Guidance From Someone Who Gets It

Adam Gruber, CFP®, has spent years helping tech professionals and entrepreneurs just like you navigate the trade-offs of equity compensation. He understands how fast things can move in your world, and how important it is to have someone in your corner who can explain things clearly.
From incentive stock options (ISOs) to RSUs, ESPPs, and concentrated holdings, we look at how equity fits into your broader financial picture.

We’re fee-only fiduciaries who offer ongoing, personalized planning with no commissions or product sales.

Work With Adam Gruber, CFP®

— Built Around You —

What We Help You Plan For

Equity decisions don’t exist in a vacuum. That’s why our planning includes a range of conversations like:

When and how to exercise or sell stock

What the tax impact looks like this year and beyond

How to balance equity with other goals (like buying a home or starting a family)

Ways to reduce risk if too much of your net worth is tied to one company

How to prepare for IPOs, buyouts, or private sales

This isn’t a one-time chat. We work with you over time as things change, always looking ahead so you can avoid reactive decisions and feel more in control.

— Transparent Pricing

A Simple Fee for Ongoing Support

We charge an annual fee based on the percentage of your assets we manage, with a minimum of $3,000.

That means you can ask questions freely and trust that our advice is built around what’s best for you.

Start the Conversation

— Your Questions, Answered —

Frequently Asked Questions
About Equity Compensation

When should I exercise my incentive stock options (ISOs)?

The answer depends on several factors, including your current tax situation, holding period requirements, and whether you’re at risk of triggering the alternative minimum tax (AMT). We help you evaluate timing strategies that align with your income, goals, and company trajectory.

RSUs are typically taxed as ordinary income when they vest, which can create a surprise tax bill if not planned for. We help you understand the timing, withholding, and potential strategies to manage the impact, especially when multiple grants vest in the same year.

That depends on your risk tolerance, overall financial picture, and how concentrated your holdings are. We walk you through diversification strategies while considering tax implications and future financial needs.

It’s a delicate balance between managing taxes, reducing concentration risk, and preserving the potential upside of holding the option longer. We help you weigh the trade-offs of exercising early—when taxes may be lower and risk is reduced—versus waiting to take advantage of the option’s remaining time value and leverage.

More than having the numbers check out, this decision depends on your family income, future earning potential, current investments, liquidity needs, and how comfortable you are with risk. We’ll walk through the scenarios with you so you can make a decision that fits your full financial picture

This varies by grant type and your employer’s plan. Some options may expire within 90 days, while others may have longer post-termination windows. We help you review your plan documents and make decisions before deadlines catch you off guard.

Absolutely. Equity decisions often affect your tax bracket, eligibility for deductions or credits, cash-flow planning, and even retirement contribution strategies. That’s why we integrate equity into your full financial plan, not treat it as a standalone issue.

— Equity Insights —

Insights on Navigating Equity Compensation

Making the most of your equity starts with understanding how it fits into your financial life. These recent articles dive into timely topics like RSU vesting, ISO tax considerations, and planning around liquidity events. Whether you’re weighing exercise decisions or thinking ahead to an IPO, you can find straightforward insights to help you make informed, confident moves.

Let’s Talk About What You’re Navigating Right Now

If you’ve been trying to figure out your options on your own—or wondering if you’re missing something—we’re here to help. Start with a quick intro call with Adam. We get to know your situation, talk through where you’re feeling stuck, and see if we’re a good fit. No pressure, no prep required.
Schedule Your Intro Call With Adam