Employee benefits built around your financial independence.
For high earners whose benefits go underused, the 401(k) match is the smallest part of the picture. We coordinate your Mega Backdoor Roth, deferred comp, and equity to bring your financial independence closer.
Get startedAt a glance
- Benefits and equity compensation optimized
- A plan aimed at financial independence
- Documented for your children to read
Retirement and benefits planning is one of seven areas the Age Five Family Office coordinates for your family. Every major decision is documented in your FamilyKnowledge® Library, so the thinking behind it is there when your children are old enough to read it.
The difference is not your contribution rate. It is whether every benefit and equity dollar is aimed at reaching independence, not just filling an account.
Most families
- Contribute to the 401(k) and stop there
- Leave the Mega Backdoor Roth on the table
- Let deferred comp and RSUs go uncoordinated
- Aim at a retirement age, not an independence date
- Nothing written down for next year, or for your kids
Age Five
- Use every benefit, not just the 401(k) match
- Coordinate Mega Backdoor Roth, deferred comp, and HSA
- Weigh each equity and benefit choice for its tax impact
- Aim the whole plan at your independence date
- Every major decision documented in your FamilyKnowledge® Library
Mega Backdoor Roth and Backdoor Roth
The high-earner Roth moves most plans miss, set up and used every year.
Deferred compensation planning
Election and payout timing planned around your tax brackets and your goals.
401(k) and HSA optimization
Contribution, match, and investment choices set to work as hard as they can.
Equity compensation coordination
RSUs, options, and ESPP planned alongside your benefits and your taxes.
Open enrollment and benefits review
Your elections checked against what your family actually needs.
Financial independence projections
A clear line to the date you could stop working, updated as life changes.
Map
We map your benefits, equity, and where you stand against financial independence.
Optimize
We put every benefit and equity dollar to work, coordinated with your taxes.
Track
We update your independence projection and document the moves.
What each service model typically includes. These describe general service models, not specific firms.
| A typical robo-advisor |
A typical family office |
Age Five Family Office |
|
|---|---|---|---|
| A plan built around reaching financial independence iYour values, equity compensation, and tax coordinated to bring your financial independence date forward. | – | ✓ | ✓ |
| Your benefits and equity compensation optimized iMega Backdoor Roth, deferred comp, HSA, and RSUs coordinated around your values and tax planning. | – | ✓ | ✓ |
| Invests toward your retirement iMore than investing toward a retirement number. We coordinate your equity compensation, tax, and values to reach financial independence sooner. | ✓ | ✓ | ✓ |
| Built for families before $50M in net worth | ✓ | – | ✓ |
| Age Five Wealth Education for your children | – | – | ✓ |
| A documented FamilyKnowledge® Library your children can read | – | – | ✓ |
