Tax management built around your equity compensation.
For families earning $750k and up with RSUs, ISOs, and concentrated stock, taxes are the biggest cost you can plan around. We plan them before the vest, not after the bill arrives.
Get startedAt a glance
- A registered fiduciary firm
- Tax, investments, and estate on one team
- Documented for your children to read
Tax is one of seven areas the Age Five Family Office coordinates for your family. Every major tax 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 effort. It is timing, and whether anyone is looking at the whole picture before the year ends.
Most families
- File after the year is already over
- React to the tax bill when it arrives
- CPA and advisor rarely coordinate
- Equity decisions made without the tax math
- Nothing written down for next year, or for your kids
Age Five
- Plan before the year starts
- Model each decision for its tax impact first
- One team holds tax, investments, and estate together
- RSUs and exercises planned before they vest
- Every major decision documented in your FamilyKnowledge® Library
RSU and equity compensation planning
Vest, exercise, and sell decisions modeled on your actual grants before tax is triggered.
Multi-year tax projections by our CPAs
Several years projected forward so peak-income years and tax windows are planned, not discovered.
Roth conversion strategies
Conversions timed to your income, your state, and the room left in your brackets.
Coordinated tax-loss harvesting
Harvesting run with your portfolio and concentrated stock, not in isolation.
Multi-state and residency planning
California, New York, and the real cost of where you live, planned around the actual math.
Preparation, filing, and prior-year review
Filing handled in-house, including a look back at prior returns for missed planning.
Diagnose
We map your income, equity, and where last year cost you.
Project
Our CPAs model several years forward on your real numbers, before the year ends.
Implement
We make the moves with your advisor, file, and document it for next year.
What each service model typically includes. These describe general service models, not specific firms.
| A typical tax firm |
A typical family office |
Age Five Family Office |
|
|---|---|---|---|
| Fiduciary coordination across your wealth iOne fiduciary team coordinating your tax, investment, and estate decisions around your wealth. | – | ✓ | ✓ |
| Investments managed alongside your taxes iYour portfolio and concentrated stock managed together with your tax strategy. | – | ✓ | ✓ |
| Proactive, forward tax planning iForward tax planning that includes preparation, filing, and audit support. | ✓ | ✓ | ✓ |
| Built for families before $50M in net worth | ✓ | – | ✓ |
| Age Five Wealth Education for your children | – | – | ✓ |
| A documented FamilyKnowledge® Library your children can read | – | – | ✓ |
