Financial Services for Executives – Many Eggs, Many Baskets 

Corporate executives typically have financial situations far more complicated than that of a typical worker. 这并不意味着, 然而, that the 财务规划 mistakes they make are all that different than the average person’s. It often comes down to having too many eggs in one basket.

Rollins Financial Advisors creates financial plans for executive clients with complex financial situations, 会计涉及广泛的金融资产, 包括公司的薪酬和福利, 房地产, 和其他威斯尼斯人娱乐官方网址. We understand the daily demands that executives face, and work to make the 财务规划 process as transparent and seamless as possible.

Corporate executives are accountable in ways that most other workers are not. They must answer to all company stakeholders; customers, 员工, 股东, 以及广大公众. This often demands an extraordinary commitment of time and effort. 关注细节是至关重要的. We understand the daily demands upon their time that executives face, and work to make the 财务规划 process as transparent and seamless as possible.

We are a true Fee-Only financial advisor that customizes portfolios aligned with your goals. The investment advisers at Rollins Financial are fiduciaries for our clients. It is our legal and ethical responsibility to pursue your financial best interest in good faith.

你是多样化的?

Why do so many executives fail to diversify their holdings? 简单的. If you diversify, you have to pay taxes on the gains. The tax-deferred nature of stock options and other company-related compensation alternatives to simple income are a big part of what makes them attractive in the first place.

Stock options are a great way for companies to make executive compensation packages more attractive. Company stock makes up a large portion of the net worth of many of the executives we counsel at Rollins Financial Advisors. This can expose executives to huge losses if the company stock drops as a result of a data breach, 破产的谣言, 或者其他一些不利的市场发展. Rollins Financial Advisors can help you maintain a balanced portfolio.

递延补偿

Companies often try to incentivize executives to come to work for them with complicated compensation packages, including the option to defer significant portions of their income to a later date. Deferred comp can only be offered to senior management and other highly-compensated corporate 员工, and its tax-deferred status hinges upon the IRS recognizing that the executive receiving it has highly sought-after skills and could easily switch positions to work for a competitor.

High earners reap the immediate benefit of reducing income in their top marginal tax rate for the year the compensation is deferred. Taxes must be paid on deferred compensation at the time it is eligible to be received.

就像股票期权一样, 虽然, there are dangers of being too closely financially aligned with your employer. If the company faces bankruptcy, the value of the options could be lost. You may also be required to take the dispersals over a period of years, limiting your financial flexibility in the short term.

养老金和现金余额计划最大化

Rollins Financial Advisors has experience helping corporate executives navigate pension and cash balance plan maximization. There can be significant long-term financial consequences of these decisions. You should make sure you have the flexibility to move your retirement funds with you throughout your working career.

Your accountant and your financial planner should work in harmony to secure the financial future you envision for your family. Rollins Financial Advisors coordinates tax strategy, 财务规划, 以及对企业高管的威斯尼斯人娱乐官方网址. We encourage proactive tax planning for individuals and businesses. We work for your peace of mind and financial health.

常见问题(FAQ 's)

Q: Where do I start with navigating pension and cash balance plans?

答:罗林斯金融 Advisors has experience helping corporate executives navigate pension and cash balance plan maximization. We coordinate tax strategy, 财务规划, 以及对企业高管的威斯尼斯人娱乐官方网址. We encourage proactive tax planning for individuals and businesses as there can be significant long-term financial consequences of these decisions.

Q: Should I consider an offer of deferred compensation?

A: Companies often try to incentivize executives to come to work for them with complicated compensation packages, including the option to defer significant portions of their income to a later date. 就像股票期权一样, there are dangers of being too closely financially aligned with your employer. If the company faces bankruptcy, the value of the options could be lost. Let us help, we work for your peace of mind and financial health.