WealthCrossing

09/02/2026

Building wealth is only part of the equation. Transferring it efficiently while preparing the next generation to steward it well requires thoughtful planning.

On September 24 at 11:00 AM EST, join Andrea Broughton, CPA, and Stephanie Stumpf, CPA, PFS, CFP®, CTFA, for "Wealth Transfer That Works: Trusts, Gifting & Family Governance."

In this 45-minute session, we'll explore advanced transfer strategies, trust selection, preparing heirs for stewardship, and coordinating your entire planning team. Whether your goal is supporting the next generation, protecting family assets, or creating a charitable legacy, this discussion will provide practical insights to help you approach wealth transfer with confidence.

Register now to secure your spot.



https://wealth-crossing.zoom.us/webinar/register/1017873173287/WN_Bu4Yw_oWTYeGRCiahugBUQ

08/31/2026

RSUs, ISOs, NQSOs, and ESPPs. Many executives navigate these separately, missing the opportunity to coordinate them into a unified strategy. RSUs create immediate ordinary income and withholding. ISOs offer long-term capital gains potential but carry AMT complexity. ESPPs provide built-in discounts with holding period benefits.

When mapped into one plan alongside your overall tax strategy, bonus structures, and investment allocation, equity compensation becomes a powerful tool for building wealth efficiently. That's where planning creates value.

Read our recent blog from Dean Williams, CPA, CFP® to learn more: https://wealth-crossing.com/how-to-manage-stock-compensation/

08/27/2026

Your RSUs vested. Your options are in the money. That also means a concentrated stock position, and a bigger tax question than you had last year.

Selling everything at once isn't always the answer, and neither is doing nothing. In our latest blog, we walk through 10b5-1 plans, exchange funds, direct indexing, and strategic gifting—four ways executives can cut concentration risk in a tax-efficient way. https://wealth-crossing.com/reducing-concentrated-stock-position-risk/

Own a concentrated stock position from RSUs or options? Learn how executives can cut the risk with 10b5-1 plans, exchange funds, and tax-smart strategies.

08/26/2026

The ESPP discount is real value from day one, and look-back provisions can enhance it further. But tax outcomes depend significantly on how long you hold shares.

Hold for at least one year after purchase and two years after the offering date for a qualifying disposition: the discount is ordinary income, the remainder is a long-term capital gain. Sell earlier and a greater portion becomes ordinary income.

The bigger issue for many executives: concentration. Participating in an ESPP while holding RSUs, ISOs, and NQSOs compounds exposure to a single stock. A disciplined approach to selling ESPP shares and redeploying proceeds prevents this overlap.

08/24/2026

Concentrated in your employer's stock? You're taking a risk you may not be paid to take.

When a significant portion of your wealth is tied to one company, you've lost the protective benefits of diversification. A market downturn, industry shift, or company-specific event can quickly erode years of wealth building.

Whether through RSUs, ISOs, or accumulated stock purchases, executives often end up overweight in employer shares without a deliberate plan to reduce concentration. Building a strategy to gradually diversify protects your financial security without requiring you to liquidate everything at once.

Let's talk about your concentration.

08/19/2026

When RSUs vest, the full value becomes ordinary income, and shares are automatically withheld for taxes. You keep the remainder. If you later sell above the vesting price, that gain is taxed as capital gains.

Key planning question: Do multiple vesting events land in the same tax year? If yes, model the impact on your tax bracket before vesting dates arrive and adjust estimated payments. If vesting is spread across years, decide how to handle proceeds. Are you rebalancing systematically or letting employer stock accumulate?

08/17/2026

Your equity compensation is part of your pay. It deserves the same planning as the rest of your portfolio.

Too many executives treat equity compensation as a separate piece, disconnected from their overall financial strategy. But RSUs, ISOs, NQSOs, and ESPPs all carry significant tax implications and affect your wealth in different ways.

When equity becomes a material portion of your income and net worth, it needs to be coordinated with your investment allocation, tax strategy, and financial goals. That's where the real value emerges.

08/14/2026

We're excited to share that Andrea Broughton, CEO and Founder of WealthCrossing, was recently featured on the RIA Edge Podcast discussing how WealthCrossing grew from an EY spinout to a $1.5B+ RIA.

Andrea shares insights on building a client-centered firm, the importance of integrated planning, and navigating the evolution of wealth management over the past two decades. Whether you're curious about our story or interested in what shapes our approach to serving clients, this conversation offers a behind-the-scenes look at WealthCrossing's journey and values.

Listen to the full interview here: https://www.wealthmanagement.com/ria-edge/ria-edge-podcast-how-wealthcrossing-grew-from-an-ey-spinout-to-a-1-5b-ria

07/30/2026

Roth conversions are one of the most powerful tax-planning tools available to early retirees, yet many people overlook them.

In this clip from our recent "What You Need to Know About Early Retirement" webinar, we explore how Roth conversions work, when they make sense, and how they fit into a broader retirement tax strategy. Converting Traditional IRA balances to Roth creates years of tax-free growth and withdrawals, giving you more control over your retirement income.

Watch the full webinar to learn whether Roth conversions could benefit your situation: https://wealth-crossing.com/webinar/what-you-need-to-know-about-early-retirement/

07/28/2026

Once required minimum distributions kick in at 73, that income lands on your return whether you need it or not, and it can push you into a higher bracket or trigger Medicare's IRMAA surcharge without much warning.

The good news: the years before your first RMD, and the tools available once it arrives, give you real room to manage the impact. Our latest piece breaks down how. https://wealth-crossing.com/rmd-tax-strategy/

A smart RMD tax strategy keeps retirees out of higher brackets and reduces IRMAA surcharges. See how withdrawals, Roth conversions, and QCDs work together.