Fee-Only Financial Planning for Tech Professionals in Seattle and Kirkland
You earned it.
Now make it work.
RSUs vesting every quarter. ESPP windows. A 401(k) you set up years ago and have not touched since. Concentrated stock you keep meaning to deal with. Each one is a decision. Most of them are connected. Almost nobody is treating them that way.
That is the gap.
Unleashed Financial fills it. One plan across your equity comp, investments, and taxes. Built around how tech professionals actually get paid.
Why does fee-only actually matter?
Fee-Only. No Commissions.
Here is the thing: how an advisor gets paid shapes what they recommend. A commission-based advisor makes more money depending on what they sell you. A fee-only advisor gets paid the same no matter what. You pay us directly. That is the whole model.
What is a fiduciary, and why should I care?
Fiduciary, Always.
Most advisors have to meet a ‘suitability’ standard. Meaning the product just has to be a reasonable fit. A fiduciary has to do better than that. Legally required to put your interest first, full stop. That is the standard Jason holds himself to on every call, every recommendation, every time.
What does CFP actually mean?
CERTIFIED FINANCIAL PLANNER™ Professional
The CFP is not a weekend course. It takes thousands of hours of planning experience, a pretty brutal board exam, and ongoing education to keep it. It is the credential most people mean when they say they want a ‘real’ financial planner.
Equity Compensation Is Complicated. Most Financial Advisors Are Not Built for It.
Here is what most tech professionals are actually dealing with:
- RSUs vesting every quarter, with no clear sell-or-hold strategy
- ESPP purchase windows that close before you have time to think
- A 401(k) sitting in default funds since the day you enrolled
- Concentrated stock exposure, you know you should address, but keep putting off
- A tax bill that surprises you every April
That is not a failure. That is just what happens when your financial life gets complicated faster than anyone gave you a roadmap for.
Sorting it out, consistently, quarter after quarter, is exactly what we do.
Fee-Only Financial Planning and Investment Management for Tech Professionals
Equity Compensation Planning: RSUs, ESPP, and Concentrated Stock
Most advisors manage your accounts. We manage the whole picture. RSUs, ESPP, 401(k), brokerage, concentrated stock. All of it treated as one system, not a bunch of separate buckets.
That means when your next vest hits, we already know the plan. No scrambling. No one-off decisions.
- Strategic planning for RSU vesting and ESPP participation
- Concentrated stock diversification with tax awareness
- Fiduciary investment oversight across all accounts
- Proactive tax coordination around income spikes and vesting events
- Quarterly strategy meetings to keep the plan moving
Comprehensive Financial Planning for Mid-Career Tech Professionals
You are probably making good money. The question is whether it is actually going where you want it to go. Most mid-career tech professionals have rising income and zero clarity on the long game.
This is where we map it out. Retirement, college, a house, financial independence. Whatever the goal, we build a plan that connects your compensation decisions to it.
- Retirement projection and time-to-financial-independence modeling
- Cash flow planning around vesting schedules and income changes
- College funding alongside other competing priorities
- Home purchase and mortgage strategy
- Debt management that fits your full picture
Fiduciary Investment Management with Tax-Efficient Portfolio Strategy
Your portfolio did not start from scratch. It started with company stock, and probably a lot of it. That changes how investment management has to work.
We build around what you already have. Diversifying out of concentrated positions, keeping taxes in check, and making sure your investments are actually pulling in the same direction as the rest of your plan.
- Low-cost, tax-efficient fund selection
- 401(k) and employer plan integration
- Concentrated stock diversification strategy
- Full coordination across every account you hold
About Jason Preti, CFP®
I started Unleashed Financial because I kept running into the same situation: smart, high-earning tech professionals with no unified plan. Not because they were not paying attention. Because equity compensation is genuinely complicated, and most advisors are not set up to deal with it.
My clients are mid-career tech professionals in the Seattle and Kirkland area. RSUs, ESPP, growing tax bills, multiple accounts, and not enough hours in the day to sort through any of it.
My job is to be the person who has already sorted it out. We meet quarterly, we keep the plan current, and nothing falls through the cracks between vesting events.
Fee-only. Fiduciary. CFP professional. No commissions, no products. Just a plan built around what you actually want.
How to Work with a Fee-Only Financial Advisor in Seattle
1. Schedule a Free Intro Call
Thirty minutes. We talk through your situation, your goals, and whether this is a good fit. No sales pitch. If it makes sense to work together, great. If not, you will still walk away with something useful.
2. Build Your Plan
We map out the full picture. Equity comp, taxes, investments, where you want to end up. You get a real strategy with specific next steps, not a 40-page document you will never read again.
3. Implement and Stay on Track
We meet every quarter to keep things on track. Vesting events, tax deadlines, life changes. The plan stays current and you are never scrambling to figure out what to do next.
Frequently Asked Questions: Fee-Only Financial Planning for Tech Professionals
What is a fee-only financial advisor and why does it matter?
A fee-only advisor gets paid directly by you. That is it. No commissions, no product sales, no referral fees from fund companies.
The reason it matters: a commission-based advisor makes more or less depending on what they sell you. A fee-only advisor makes the same either way. At Unleashed Financial, you pay for advice. That is the only thing we get paid for.
What is a fiduciary financial advisor?
It is a legal standard, not just a buzzword. A fiduciary has to act in your best interest at all times. Not just recommend something that is technically okay for you. As a registered investment adviser and CFP professional, Jason is a fiduciary on every call and every recommendation.
Do you specialize in RSU and ESPP financial planning?
Yes. Equity compensation planning is central to what we do. That includes RSU sell-or-hold strategy, ESPP participation and disposition planning, tax-efficient diversification of concentrated stock, and coordinating all of it with your broader financial goals.
Who do you work with?
Mid-career tech professionals in the Seattle and Kirkland area, primarily between 40 and 60 years old, with equity compensation and growing financial complexity. If you have multiple accounts, RSUs or ESPP, and no clear plan connecting all of it, this is built for you.
Do you manage investments?
Yes. Investment management is integrated with financial planning. Your 401(k), brokerage accounts, and any other holdings are managed as part of your overall strategy, not handled separately from it.
What if I already have a financial advisor?
Worth a conversation. Many people find their current advisor handles investments but does not address equity compensation, tax planning, or long-term financial planning in a connected way. A free 30-minute call can help clarify whether there is a gap.
Ready to Stop Managing This Alone?
If you have equity comp, multiple accounts, and a nagging feeling that none of it is really connected, this is a good place to start. The intro call is free and there is no pitch.