Integrated Wealth Solutions for Complex Lives

At Independent Investment Advisors, we serve individuals, families, estates, trusts, professionals, and business owners with solutions that bring together financial and retirement planning, tax strategies, and investment management. Our integrated approach ensures that every part of your financial life works in harmony — so you can focus on what matters most.

Solutions for Mid-Career Technology Professionals

Technology professionals often build significant wealth through a mix of salary, bonuses, and equity compensation — but managing those resources effectively requires careful planning. We specialize in helping tech executives, engineers, and mid-career professionals:

• Manage Equity Compensation – Evaluate stock options, RSUs, ESPPs, and concentrated stock positions to balance long-term growth with near-term tax efficiency.
• Plan for Liquidity Events – Determine when and how to exercise options or sell shares, diversify holdings, and manage the tax impact of major equity transactions.
• Optimize Tax Strategies – Integrate income, investment, and equity compensation into a tax-aware plan designed to minimize liability and maximize after-tax wealth.
• Pursue Early Financial Independence – Design roadmaps for career transitions or early retirement, incorporating aggressive savings goals and flexible income strategies.
• Build Family Wealth Plans – Coordinate education savings, estate planning, and insurance to protect loved ones and prepare for future generations.
• Reduce Concentrated Stock Risk – Implement diversification strategies for those whose net worth is tied to employer stock or a single sector.

Retirement Solutions

A secure and fulfilling retirement requires more than just saving — it demands a coordinated strategy that adapts over time. We help clients:

• Develop Customized Retirement Plans – Align lifestyle goals with financial realities through scenario testing and projections.
• Maximize Retirement Accounts – Optimize contributions and withdrawals across 401(k)s, IRAs, and Roth IRAs for long-term growth and tax efficiency.
• Simplify Accounts – Consolidate multiple employer retirement accounts into a streamlined portfolio with greater flexibility and oversight.
• Evaluate Roth Conversions – Identify opportunities where converting to a Roth IRA may reduce lifetime tax liability.
• Create Business Retirement Plans – Establish SEP IRAs, SIMPLE IRAs, or custom solutions tailored for self-employed professionals and business owners.

Tax Optimization Strategies

Taxes can be one of the largest expenses high-net-worth families face. We integrate tax planning into every aspect of wealth management by:

• Designing Tax-Efficient Portfolios – Place investments strategically in taxable, tax-deferred, and tax-free accounts to reduce drag on returns.
• Managing Equity Compensation – Structure the exercise and sale of stock options, RSUs, and ESPPs to limit tax surprises.
• Coordinating with CPAs – Partner with your tax professional to ensure strategies are implemented accurately and proactively.
• Leveraging Charitable Giving – Use donor-advised funds, appreciated stock donations, or other strategies to reduce tax burdens while supporting causes you care about.

Estate & Inheritance Planning

Preserving wealth for future generations requires careful planning. We help clients:

• Clarify Legacy Goals – Ensure your estate plan reflects both financial priorities and family values.
• Coordinate Estate Documents – Work alongside your estate attorney to align wills, trusts, and other documents with your broader financial strategy.
• Prepare for Inheritance – Provide guidance when receiving a windfall (inheritance, settlement, insurance payout) to make informed short- and long-term decisions.
• Implement Gifting Strategies – Establish trust, custodial, or charitable accounts to transfer wealth effectively and tax-efficiently.

Business Owner Solutions

Small business owners face unique financial challenges — both personally and professionally. With deep experience in this area, we provide solutions such as:

• Business Retirement Plans – Create SEP IRAs, SIMPLE IRAs, or tailored retirement plans to benefit both owners and employees.
• Succession & Exit Planning – Prepare for liquidity events, ownership transfers, or business sales while protecting personal wealth.
• Integrated Tax Strategies – Optimize both personal and business finances to reduce overall tax liability.
• Business Cash Management – Build operating cash strategies that preserve value, keep pace with inflation, and maintain liquidity.
• HOA & Nonprofit Solutions – Support organizations in managing reserve funds and operating capital with conservative, goal-based portfolios.

Investment & Wealth Management

Our portfolios are designed to support your goals with clarity and transparency. Depending on your needs, we provide:

• Allocated Portfolios – Long-term, diversified investment strategies across equities, bonds, ETFs, and managers with adjustments based on markets and client needs.
• Tactical Portfolios – Actively managed portfolios using ETFs, individual securities, and options for clients seeking shorter-term opportunities with higher risk tolerance.
• Defined Outcome Portfolios – Structured strategies using ETFs and options designed to manage downside risk while pursuing moderate growth.
• Direct Indexing Strategies – Customize index exposure for tax-loss harvesting, values-based investing, or to offset concentrated stock positions.
• Alternative Investments – For qualified clients, access to private equity, private credit, hedge funds, and real assets as part of a broader diversification strategy.

Why Clients Choose Us

Our clients come to us because they want:

• Independent, fiduciary, and fee-only advice — always aligned with their best interests.
• Integrated solutions that address planning, investments, taxes, and estate needs together.
• Specialized expertise in equity compensation, small business wealth, and complex family needs.
• A boutique relationship that provides clarity, personalized attention, and ongoing guidance.