Corporate executives often face a unique financial landscape that is shaped by concentrated stock positions, deferred compensation plans, and ever-changing tax implications. While the role demands constant focus on business performance, personal financial life requires just as much strategic oversight.
At Gryphon Financial Partners, we work closely with executives to navigate the complexities that come with corporate success. A common challenge is managing overexposure to company stock. Equity compensation, whether in the form of restricted stock units (RSUs), performance shares, or options, can lead to substantial concentration in employer’s stock. While this may reflect confidence in the company, it can also amplify portfolio risk. We help evaluate when to hold, sell, or hedge based on the broader financial plan and risk tolerance.
Deferred compensation plans and non-qualified retirement benefits also require careful coordination. These vehicles can offer tax deferral opportunities, but the timing of distributions (especially in light of career transitions or retirement) must align with income tax planning strategy and liquidity needs. We help model various payout scenarios to optimize after-tax outcomes and preserve flexibility.
Additionally, executives are often subject to complex compliance issues, such as blackout periods, 10b5-1 trading plans, and SEC reporting obligations. We help to ensure personal financial actions remain in full alignment with regulatory requirements, while still supporting clients’ long-term goals.
Health insurance and employer-sponsored benefits also warrant strategic planning. For executives, decisions around COBRA, private insurance markets, and Medicare coordination often intersect with broader wealth strategies, including tax efficiency and legacy planning. If current coverage includes executive medical perks, concierge care, or supplemental policies, it’s important to evaluate how to preserve access to high-quality care post-employment. We help integrate these considerations into the overall plan ensuring continuity of care and aligning health benefits with lifestyle and long-term goals.
And let’s not forget lifestyle considerations, whether it’s planning a trip around the world, a second home, or philanthropic giving. Financial success should translate into freedom, not added complexity. Acting as our clients’ Personal CFO, we take a comprehensive approach integrating cash flow planning, tax strategies, estate planning, and investment oversight into a single, cohesive plan.
Our clients have worked hard to reach the top of their profession. By taking a customized, proactive, integrated approach to wealth, we can turn complexity into clarity and confidently shape the future on their own terms.
Disclosure
This material is provided by Gryphon Financial Partners, LLC (“Gryphon”) for informational purposes only. It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product. Facts presented have been obtained from sources believed to be reliable. Gryphon, however, cannot guarantee the accuracy or completeness of such information. Gryphon does not provide tax, accounting or legal advice, and nothing contained in these materials should be taken as tax, accounting or legal advice. Individuals should seek such advice based on their own particular circumstances from a qualified tax, accounting or legal advisor.