Who I help · High Earners & Executives

“I've maxed the usual accounts. Now what?”

You earn well and you save well. But most of what you've built sits in accounts that will be taxed later, and your household runs on your income.

Sound familiar?

Three things I hear most

Almost everything I've saved will be taxed when I take it out.

Your 401(k) has a silent partner. It helps to know how big that partner's share might be.

Our lifestyle depends on my income. I've never tested what happens if it stops.

Higher income often means bigger commitments: the house, the schools, the plans.

I have accounts everywhere and no single picture.

Stock plans, old 401(k)s, policies from past jobs. Nobody has seen it all in one place.

What we work on together

We don't do all of this at once. Your scorecard shows which one to start with.

Spread what you've built across taxed-now, taxed-later and tax-advantaged buckets.

Turn a big balance into steady income you keep, planned with bad markets in mind.

Protection sized for your real lifestyle, not a workplace default.

A plan for a long recovery or care later, without selling investments at the wrong time.

Pass on more of what you've built, and support the causes you care about.

I work alongside your CPA, attorney or planner so it all fits together.

What “sorted” looks like

You know roughly what your savings will pay you in retirement, after tax, and in a bad market.
Your household would be fine if your income stopped, for a long illness or longer.
Your money isn't all in one tax bucket, so you have choices later.
Everything is organised in one place your family can find.

An example

A tech executive and her husband on the Peninsula, both high earners, every usual account maxed out.

Their scorecard was strong on savings but weak in Retirement Income & Taxes: nearly everything they'd built would be taxed on the way out.

On the call we looked at that picture together and picked the first thing worth changing. Their tax adviser joined the next conversation.

A general example to show how the process works. Not a real client, and not a recommendation.

Seven areas, one personal report. See what's strong and where the quiet gaps are. No pitch.

Not quite you? See how I help