Built for Apple families with RSUs and concentrated stock.
For Apple employees earning $750k and up, the vest is the easy part. We implement the advanced tax strategies most firms reserve for ultra high net worth families, and write each decision down for your children to read at 18.
Get startedAt a glance
- AAPL concentration in years, not dollars
- Fully-implemented tax strategies
- Documented for your children to read
The Age Five Family Office is built for high-income families like yours. Every major tax and equity decision is captured in your FamilyKnowledge® Library, so the thinking behind it is there when your children are old enough to read it.
The difference is not the vest schedule. Every advisor knows that. It is the tax across years, the concentration measured in time, and the Documentation Debt no one else closes: money passed down without the thinking behind it.
Most families
- Plan the RSU vest and stop there
- Hold concentrated AAPL and hope
- Treat taxes one year at a time
- Measure risk in dollars, not years
- Leave nothing written for the children
Age Five
- Coordinate the full W-2 tax picture, beyond the vest
- Unwind AAPL concentration across tax years
- Measure concentration in years added to independence
- Leave your children the reasoning, not just the money
- Every major decision in your FamilyKnowledge® Library
AAPL concentration, unwound over years
Your single-stock position reduced across multiple tax years, not vested and held.
The full W-2 tax picture
Multi-year projections, asset location, and prior-year work, beyond the RSU and ESPP timing.
RSU and ESPP planning
Vest, sell, and ESPP lookback decisions modeled before the tax is triggered.
Mega Backdoor Roth and benefits
The high-earner Roth and your Apple benefits used fully, coordinated with your tax plan.
Concentration measured in years
Your AAPL risk shown as years added to financial independence, not only dollars at risk.
A Decision Memo for every major choice
Each major equity decision written as a Decision Memo in your FamilyKnowledge® Library.
Map
We map your AAPL, your RSU and ESPP schedule, and your full tax picture.
Coordinate
We plan the unwind and the tax across years, with your CPA, around your goals.
Document
We write each major decision for your children and keep the record current.
What each service model typically includes. These describe general service models, not specific firms.
| A typical RSU advisor |
A typical family office |
Age Five Family Office |
|
|---|---|---|---|
| The full W-2 tax picture, beyond RSU and ESPP iMulti-year projections, asset location, and prior-year work, coordinated by our CPAs and tax team. | – | ✓ | ✓ |
| Fully-implemented tax strategies iThe most advanced, fully-implemented tax strategies are usually reserved for ultra high net worth families. We bring that depth to families with young children. | – | ✓ | ✓ |
| RSU and ESPP planning | ✓ | ✓ | ✓ |
| Built for families before $50M in net worth | ✓ | – | ✓ |
| Age Five Wealth Education for your children | – | – | ✓ |
| A documented FamilyKnowledge® Library your children can read | – | – | ✓ |
