Alex CasWealth

The best financial insight for those in tech, period. Wealth Script Advisors LLC (WSA) is a Registered Investment Adviser in the states of California and Texas.

Alex Caswell CFA CFP EA has over a decade of experience working with high-income and high-net-worth tech employees, executives, and founders. Advisory services are only offered to clients or prospective clients where WSA and its
representatives are properly registered or exempt from registration. “Likes” should not be considered a positive reflection of the investment advisory services offered by WSA.

05/04/2026

The new tax law just handed high earners a $30,000 deduction. Most people don't know it exists, and the ones who do don't realize there's a trap built in.

The One Big Beautiful Bill Act raised the SALT deduction (state and local tax) from $10,000 to $40,000. If you live in a high-tax state like California or New York, this can mean significant federal tax savings starting in 2025.

But cross $500,000 of adjusted gross income and the "SALT torpedo" kicks in. Between $500K and $600K, you lose this deduction proportionally with every dollar of additional income, pushing your effective marginal tax rate as high as 45%.

In my latest video, I cover 6 specific strategies to maximize this deduction while the window is open (it closes in 2029):

1. Max your pre-tax 401(k), HSA, and IRA
2. Tax-loss harvest to reduce AGI
3. Time your stock option exercises carefully
4. PTET elections for business owners
5. Accelerate property tax payments
6. Use Roth distributions and qualified charitable distributions in retirement

If you're a tech employee or founder navigating equity compensation in a high-tax state, this is one of the more impactful planning windows of the next four years.

03/10/2026

I'm tired of seeing the same recycled "how to invest $100K" articles everywhere.

They're not sharing some hidden strategy.

They're profiting off your financial anxiety.

So here's the real answer, for free:
It depends on YOUR situation. Your timeline. Your risk tolerance. Your goals.

Need the money soon? Park it somewhere safe: CDs, treasuries, high-yield savings. Boring, but done.

Investing for the long haul? It's called asset allocation. More risk tolerance = more stocks. Less risk = more bonds. Distribute proportionally across your diversified portfolio and call it a day.

Want to be a little smarter about it? Look at what's been down in your portfolio. I'm talking index funds, not GameStop. Lean in. Markets are cyclical. That's not timing the market, it's disciplined rebalancing.

The secret? There is no secret. And the sooner we all accept that, the better off we'll be.

Full video breakdown here 👇

01/05/2026

As a financial advisor for tech employees and founders in the Bay Area, Silicon Valley, and San Francisco, I see a surprising pattern.

The higher someone’s income gets, the more pressure they feel.

This is the Diderot Effect. Income grows, lifestyle grows, and peace never shows up.

The problem is not success.
The problem is upgrading too fast.

Before the nicer house, luxury watch, or business-class flights, ask one simple question: does this fit my income and net worth right now?

Not no forever. Just not yet.

11/26/2025

Most people don’t realize the HSA is the ONLY triple tax-free account in the United States, and it can be one of the best wealth-building tools if you rarely have medical expenses.

Here’s why:
✔️ Tax-deductible contributions
✔️ Tax-free growth
✔️ Tax-free withdrawals for medical expenses
✔️ Distribution flexibility for past or non-medical expenses

But here’s the catch:
To actually grow it, you MUST log into your HSA portal and manually invest once your cash balance exceeds $1,000. Most people forget this, and lose years of compounding.

🔥 Bonus Strategy:
If you keep your medical receipts, you can reimburse yourself tax-free at any time… even decades later. That means your HSA can double as a tax-free income stream for early retirement.

📍 Learn more at https://mywealthscript.com/start-here/ Fee-only. Fiduciary. Focused on your future.

As a financial advisor working with tech professionals in the Bay Area, I am always looking for new and creative ways for my clients to maximize the tax code. While strategies like margin loans, pledged asset lines, and box spreads can be powerful, they aren’t for everyone. It takes the right circumstances and the right risk tolerance to make them work.

This is one of the most overlooked planning tools for tech professionals and high earners.

11/25/2025

Want tax-free growth and early-retirement flexibility?

The Mega Backdoor Roth can be a very effective, but least understood, retirement strategy available to high earners.

Here’s the play:
✔️ Max your 401(k)
✔️ Add after-tax contributions (up to ~$70K total!)
✔️ Convert to Roth
✔️ Grow it tax-free for life

Do it right, and you could get:
🔥 Tax-free growth
🔥 Access to contributions if you retire early
🔥 A long-term tax advantage

This is must-know for Bay Area tech professionals wanting to optimize their retirement strategy.

📍 Learn more at https://mywealthscript.com/start-here/ Fee-only. Fiduciary. Focused on your future.

As a financial advisor working with tech professionals in the Bay Area, I am always looking for new and creative ways for my clients to maximize the tax code. While strategies like margin loans, pledged asset lines, and box spreads can be powerful, they aren’t for everyone. It takes the right circumstances and the right risk tolerance to make them work.

11/24/2025

If you work in tech, understanding how RSUs, ISOs, NSOs, and ESPPs are taxed can be the difference between building real long-term wealth or paying way more in taxes than you need to.

In this short video, we break down the most important equity-compensation strategies every Silicon Valley professional should know, including:

💡 What you’ll learn:

How Incentive Stock Options (ISOs) trigger no tax at exercise, but may activate AMT (Alternative Minimum Tax) if income and exercise size are large.

Why an early exercise can reduce or eliminate AMT and convert gains into long-term capital gains.

How RSUs (Restricted Stock Units) can use an 83(b) election to shift taxation earlier and maximize long-term gain treatment.

How pairing RSUs/RSAs with QSBS (Qualified Small Business Stock) rules may allow up to $15 million in capital gains exclusion.

For these strategies to work, size, timing, holding period, individual circumstances, the difference between RSUs and RSAs, and closely following IRS guidance are critical to getting the highest tax benefit.

This is essential knowledge for engineering leaders, startup employees, founders, and tech pros managing meaningful stock compensation packages in the Bay Area.

📍 Learn more at https://mywealthscript.com/start-here/ Fee-only. Fiduciary. Focused on your future.

As a financial advisor working with tech professionals in the Bay Area, I am always looking for new and creative ways for my clients to maximize the tax code. While strategies like margin loans, pledged asset lines, and box spreads can be powerful, they aren’t for everyone. It takes the right circumstances and the right risk tolerance to make them work.

11/17/2025

Most people don’t realize there’s a way to make your loan interest tax-deductible again, even after the Tax Cuts and Jobs Act removed many of those breaks.

It’s called Interest Rate Tracing, and it’s one of the most powerful but misunderstood strategies for investors and homeowners.

💡 In this short video, you’ll learn:

How interest rate tracing works and when it applies.

Why it can still allow deductions when you borrow to invest in income-producing assets.

How it offsets capital gains, dividends, and interest income.

Why your CPA must file it correctly to unlock the full benefit.

Real-world examples: using a low-rate cash-out refinance to create investment deductions.

🎯 Perfect for tech professionals and investors in the San Francisco Bay Area looking to maximize tax efficiency and build wealth smarter.

📍 Learn more: https://mywealthscript.com/start-here/ Fee-only. Fiduciary. Focused on your future.

As a financial advisor working with tech professionals in the Bay Area, I am always looking for new and creative ways for my clients to maximize the tax code. While strategies like margin loans, pledged asset lines, and box spreads can be powerful, they aren’t for everyone. It takes the right circumstances and the right risk tolerance to make them work.

11/14/2025

rump’s 50-year mortgage proposal is blowing up timelines, but the question isn’t moral, it’s mathematical.

If your investments earn more than your mortgage rate, longer debt might actually grow your net worth faster.

The flip side: cheaper payments can inflate demand and drive home prices even higher.

Is the 50-year mortgage the future of affordability, or a disguised way to stretch the bubble?

📍 For tech professionals in the Bay Area and Silicon Valley watching the housing market with both emotion and logic.

11/13/2025

The Secret Strategy the IRS Doesn’t Talk About 💰 (Tax Loss Harvesting Explained)

Think tax loss harvesting only happens in December? Think again.
Smart investors, especially Bay Area tech professionals, use this year-round to manage capital gains, control taxes, and reinvest faster.

Here’s what you’ll learn 👇
✅ What does tax loss harvesting actually mean (not just “selling losers”)
✅ It’s like getting an interest-free loan from the IRS
✅ Direct indexing + active monitoring can lower your tax bill

📍 Wealth Script Advisors provides financial planning and investment management for high-earning tech professionals in the San Francisco Bay Area and Silicon Valley.

Learn more at: https://mywealthscript.com/start-here/

As a financial advisor working with tech professionals in the Bay Area, I am always looking for new and creative ways for my clients to maximize the tax code. While strategies like margin loans, pledged asset lines, and box spreads can be powerful, they aren’t for everyone. It takes the right circumstances and the right risk tolerance to make them work.

11/10/2025

The stock market’s hitting new highs, the Fed’s cutting rates, and Nvidia’s worth $5 trillion. Everyone’s wondering: is the AI bubble about to burst?

If you’re sitting on concentrated stock like Google, Meta, Tesla, Nvidia, here’s the reality:

Timing the top rarely works and only a small slice of stocks drive nearly all long‑term returns. But that doesn’t mean you’re stuck.

As a financial planner in the Bay Area, I’ve helped countless tech employees navigate these same questions: how to lock in gains, reduce taxes, and plan around volatility.

From tax‑loss harvesting and options collars to exchange funds and charitable trusts, there are real strategies available if you plan early and act intentionally.

👉 Follow for more ways to protect and optimize your tech wealth.

Address

605 Market Street Suite 509
San Francisco, CA
94105

Website

http://www.mywealthscript.com/

Alerts

Be the first to know and let us send you an email when Alex CasWealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.