Your wealth, fully managed for executives
A flat-fee CPA and financial planner team that gives you personalized, holistic advice across your taxes and financial plan. We plan your bonuses, equity awards and concentrated stock around trading windows, and file your returns.
What we handle for executives
Compensation on paper, cash in hand and restrictions in between. This is the work we do with you.
- 01
Bonus and award withholding
Supplemental wages above $1 million from one employer are withheld at 37%, and below that often at 22%. We project the year so withholding matches the bill.
- 02
Concentrated stock
We reduce a large position in stages across tax years, starting with high-cost lots and pairing sales with harvested losses, so no single year carries the whole gain. See our liquidity event checklist.
- 03
Deferred compensation elections
Deferred compensation plans restrict when you can make or change an election. We plan each election from the actual plan documents and the brackets you expect when the pay arrives.
- 04
Trading windows
Vests, sales and gifts have to fit your company’s windows and any formal trading plan. We plan the tax side; your company and counsel approve the trades.
- 05
Charitable giving
Giving long-held shares instead of cash avoids the gain. From 2026, itemized gifts face a floor of 0.5% of AGI and the 37% bracket’s deduction is capped at 35 cents per dollar.
- 06
Estate and family planning
The 2026 federal estate exemption is $15 million per person. Premier adds advanced equity and estate planning, coordinated with your attorney.
How Nino helps executives
Executive pay arrives as decisions: when to sell, what to defer, what to give. On an Advisor plan your CPA and financial planner make those decisions with you from one picture of your compensation and household, and file the returns that follow.
Book a free consultation-
A plan in your first two weeks
Your CPA and financial planner build your tax and financial plan around your compensation, restrictions and goals, then revisit it every quarter and before each window opens.
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Priority access on Premier
Premier gives you priority access to your team for decisions that cannot wait for the next quarterly meeting, plus business, personal and international filing.
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The whole picture in software
Nino’s AI software reads your connected accounts and grants so you can ask what a sale or a gift does to this year’s taxes. Connections are read-only.
What should executives plan before year-end?
Four decisions where timing is most of the value.
Which tax year takes the gain
Spreading sales across two or more years keeps more of the gain out of the top 20% capital gains rate, which starts at $545,500 single or $613,700 joint in 2026.
Whether an exchange fund fits
An exchange fund swaps a single stock for a diversified pool without a sale, but locks it up for about seven years and generally requires at least $5 million in investments.
The downside case
A plan should survive a fall in the stock and a loss of the job that comes with it, not only future gains. Test what your goals look like if the shares drop by 40% in the same year your income stops. See concentrated stock.
Investment income surtax
The 3.8% net investment income tax applies above $200,000 of modified AGI, $250,000 joint. Large sales usually cross it, so plan its cost with the gain.
Pick your plan
Every Advisor plan includes a CPA and financial planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for executives
Read up on these decisions, or run your own numbers.
Concentrated Stock Position
Size the exposure, including shares still vesting, stress-test a drop, then sell down over several tax years under the 2026 capital gains and charitable rules.
Read guideShould You Sell Employer Stock When It Vests?
A useful sell-or-hold decision weighs tax reserves, company concentration, and cash needs. Here is how to compare them.
Read guideTax Strategies for High-Income W-2 Employees
A W-2 earner can't deduct against wages. The tax levers are payroll forms: the W-4, 401(k) and mega backdoor elections, HSA and FSA picks, equity, and deferred comp.
Read guideWhat Is the Net Investment Income Tax (NIIT)?
NIIT is a 3.8% tax on certain investment income above income thresholds. See who pays, what counts, and how to calculate it.
Read guideBonus Tax Calculator
Compare the 22% federal withholding on a bonus with the tax it actually adds at your brackets, and what you may owe in April.
Open calculatorRSU Tax Calculator
Compare estimated RSU tax with a simplified federal withholding calculation.
Open calculator