True Root Financial Advisor

True Root Financial Advisor We are a fiduciary financial advisor providing investing, tax planning and wealth planning advice for tech entrepreneurs & tech professionals.

09/03/2026

That doesn’t mean they deliver the same thing.

A client came to me after eight years with the same advisor. During that time, his net worth grew from $2 million to $10 million. He changed jobs twice. His oldest child started college. Tax laws changed. A new equity package created what eventually became the greatest risk in his financial life.

His advisor’s response?

The same 60/40 portfolio and an annual check-in.

No call when he changed jobs. No analysis of his vesting schedule. No proactive tax strategy. No discussion of whether tools such as collars or structured sales could help reduce his concentration risk.

I asked why he stayed so long.

He said, “I thought that’s just how it works. I ask, they manage.”

That may be enough for a simple portfolio. It can be an expensive assumption when you have $10 million, concentrated stock, college tuition approaching, and retirement on the horizon.

Advisors may use the same words to describe what they do. The difference is whether your advisor is simply available to answer questions or actively identifying the questions you should be asking.

A good advisor brings you the idea before you have to find it yourself.

If yours is waiting for you to ask, you may be paying for advice while still doing the thinking yourself.

Book a second-opinion review. Link in the comments.

09/01/2026

Your advisor put you in a model portfolio and called it a financial plan.

At $8 million, that isn’t planning. It’s a template.

You shouldn’t have to discover every advanced strategy on your own. Your advisor should be bringing those ideas to you proactively and explaining where they fit.

If your advisor’s entire strategy for your concentrated stock is to “sell it little by little,” that’s the tell.

Request a second-opinion review. Link in the comments.

08/27/2026

Your SALT deduction might already be gone. And you didn’t even know it.

The cap went from $10,000 to $40,000 this year but there’s a catch. It depends on your income level. If you make more than $500,000 in income, that deduction starts shrinking fast. By $600,000, you're back to $10,000. Same as before the change.

Here's the part most advisors won't tell you. Your income level is not fixed. It can be managed.

1. Timing when you sell shares you already hold
2. Timing capital gains around your income thresholds
3. Maxing your 401(k), which alone can lower your MAGI by $24,500 in 2026
4. Timing charitable giving to land in the right year

None of this works in April. It only works if you plan before December 31st.

If you're earning above $500K and this is the first time you're hearing this, that's worth a conversation.

Book a year end tax strategy session before the window closes. Link in the comments.

08/25/2026

The SALT deduction cap jumped to $40,000 this year.

But for higher earners, that benefit starts phasing out based on income. If you're close to the threshold, maxing out your 401(k) could make the difference between getting more of the deduction or leaving it on the table.

There’s still time to act before year-end.

Full breakdown in the video. Link in comments to book a tax strategy session.

08/20/2026

A Google employee I worked with had contributed the maximum to her ESPP for years.

She never sold a share.

When we reviewed her full picture, her ESPP alone was worth more than $180,000.

All of it sitting in the same stock as her RSUs.

The discount had been worth taking. What she had not planned for was how much Alphabet exposure she had quietly built just by holding on.

We put a plan in place to sell ESPP shares shortly after each purchase and direct that cash toward goals that actually needed funding.

If your ESPP has been stacking up next to your RSUs and you have not looked at the total picture in a while, let's take a look together. Feel free to DM me with your questions or concerns.

Google's ESPP gives you a 15 percent discount on Alphabet stock, twice a year.The lookback feature can push that discoun...
08/18/2026

Google's ESPP gives you a 15 percent discount on Alphabet stock, twice a year.

The lookback feature can push that discount much higher. Buy at 15 percent off the lower of two prices across a six month window, and a normal year can turn into close to a 30 percent gain before taxes.

But here is what most Google employees miss. Every ESPP purchase adds to the same pile of Alphabet stock already building through RSUs. Almost nobody adds the two together to see their real exposure.

I wrote a full breakdown of how the plan is taxed, when selling makes sense, and the mistakes I see most often in Google employees who already carry a large RSU position.

Read the full article in the comments.

08/13/2026

An Apple employee I worked with had maxed out his ESPP contribution for years.
He never sold a share.

When we added it up, his ESPP alone was worth more than $200,000. Sitting in the same stock as the rest of his equity compensation.

He was not trying to make a bold bet on Apple. He had simply never stopped to
look at the full picture.

The discount itself was real value. But holding onto it year after year had quietly turned a benefit into a concentration problem.

We built him a plan to sell ESPP shares shortly after each purchase and put that cash toward the parts of his financial life that were underfunded.

If your ESPP has been piling up in the background and you are not sure how much AAPL you actually hold across RSUs and ESPP combined, let's map it out together.

Book a no-obligation call using the link in comments.

Roshani joined KTVU Fox 2 this morning to talk about "moneymaxxing" and the three big levers that can really make a diff...
08/11/2026

Roshani joined KTVU Fox 2 this morning to talk about "moneymaxxing" and the three big levers that can really make a difference in your financial life: saving more, investing wisely, and reducing taxes.

Watch: https://ktvu.com/video/fmc-0ab1rni71mk7i2jj

Most Apple employees think their ESPP discount is 15 percent.With the lookback feature, it is often much better than th...
08/11/2026

Most Apple employees think their ESPP discount is 15 percent.

With the lookback feature, it is often much better than that. You buy at 15 percent off the lower of two prices, six months apart, so a normal year can turn into a 30 to 40 percent gain on day one.

That part is easy to like.

The harder question is what happens after you buy. Every ESPP purchase stacks on top of the AAPL you already hold through RSUs, and almost nobody adds the two together to see the full exposure.

One more thing worth knowing if you are still at Apple: collars are not an option. Apple's insider trading policy blocks employees from hedging their own stock with derivatives, even outside blackout periods.

I wrote a full guide on how the plan works, how it is taxed, and what to actually do with the shares once you own them. Link in the comments.

The Equity Playbook For NVIDIA EmployeesA Masterclass on Turning NVIDIA Equity Into Lasting Wealth If you've spent years...
08/06/2026

The Equity Playbook For NVIDIA Employees

A Masterclass on Turning NVIDIA Equity Into Lasting Wealth

If you've spent years at NVIDIA, there's a good chance your company stock has become one of your largest financial assets.

The same equity that helped build your wealth can also create some of your biggest financial decisions.
How much NVIDIA stock should you keep? When should you diversify? How do you avoid paying more tax than necessary? And how do you make sure your financial future isn't dependent on a single stock?

In this educational masterclass, you'll learn a practical framework for making smarter decisions about your equity before taxes, concentration risk, or life events begin making those decisions for you.

You'll learn how to:
1. Determine how much NVIDIA stock you actually need to keep
2. Understand why a financial plan should guide every equity decision
3. Avoid the RSU withholding gap that catches many employees by surprise at tax time
4. Make the most of your ESPP without becoming increasingly concentrated
5. Diversify a large NVIDIA stock position without paying a huge tax bill
6. Build a long-term strategy to protect your wealth as new RSUs continue to vest
7. Understand when advanced strategies such as direct indexing, long/short investing, securities-based lending, and collars may be appropriate

Whether you plan to stay at NVIDIA for years to come or are looking to create more optionality in your life, you'll leave with a practical framework for making better decisions about your NVIDIA equity.

Designed for NVIDIA employees with meaningful equity compensation.

Event Details
Date: Wednesday, September 2, 2026
Time: 11:00 AM PT
Speaker: Roshani Pandey, Founder & Wealth Advisor, True Root Financial

Reserve Your Seat: https://www.linkedin.com/events/7491147606077657088?viewAsMember=true

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