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OUR PROMISE TO YOU

What makes us distinct is we provide a comprehensive view of your financial life and all the factors that go into life planning. What this means to you is help with personal decision making and putting a date on things. We help you manage your finances and investments, while taking into consideration tax planning, professional moves, kids, retirement, healthcare and other important priorities. It’s about life planning and gaining more comfort with your long-term financial security.
 

Executive Compensation: The Most Common Types

If you are fortunate enough to be an executive with equity compensation, you may have many opportunities available. The programs, however, quickly begin to look like alphabet soup. The most common programs are grants of Non-Qualified Stock Options (NQSOs) and Restricted Stock Units (RSUs). Other forms include Incentive Stock Options (ISOs), Restricted Stock Shares (RSSs), Stock Appreciation Rights (SARs) and Performance Stock Units (PSUs).

Non Qualified Deferred Compensation

A nonqualified deferred compensation (NQDC) plan is an arrangement, between employer and employee, to defer receiving currently earned income to a future year. These plans don’t have the tax-favored benefits of qualified plans.

Stock Options

Each offering comes with its own set of advantages and disadvantages. This is not only relative to risk and return, but also tax implications, vesting requirements, deadlines, withholdings and the impact on your aggregate investment portfolio.

For planning purposes, it’s prudent to complete a concentration analysis that compares the value of all company stock and options to the value of your other investments. Additionally, you should know the approximate stock price needed to achieve your goals of retirement, college funding, or other specific cash flow needs. Importantly, the after-tax proceeds should be calculated, since most often the amount of tax liability is higher than expected.

Non Qualified Deferred Compensation

Nonqualified plans are advantageous because they generally don’t need to comply with complex ERISA rules. Unlike qualified plans, nonqualified plans can be offered by an employer to selected employees only, such as executives and other highly compensated key employees.
Unfortunately, one issue is that assets are protected from the employer’s change of control, but subject to the rights of creditors, i.e., employer’s bankruptcy and insolvency creditors.

Golden Parachutes

Golden parachutes provide key employees who are terminated from a takeover or change in control. They can be either continued compensation for a specified period, following departure, or a lump-sum payment. Golden parachutes are severance agreements that protect key employees from a corporate takeover or change in control. Learn more.

Executive Bonus Plans

An executive bonus plan involves an addition to regular salary or compensation. It is provided so that employees can share in profits from a successful year. Bonuses are often used for executives as incentive-based compensation, aligned with profits or other goals during the year.

Fringe Benefits

Fringe benefits are noncash compensation benefits provided by employers to their employees. They may include a variety of forms, including employee discounts, company cafeteria or meal plans, free parking, and free gym/club memberships. Although executives normally participate in a company’s broad-based fringe benefit programs, such as group medical plans, many executives also receive fringe benefits available only to the executive group.
 
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INVESTMENT
MANAGEMENT

Our investment management process is focused on helping you maintain financial stability, preventing mistakes and accomplishing your investment objectives. We don’t just focus on market performance or predictions. We focus on what performance means and how it impacts your long-term goals. It starts with returns, but it is about making life decisions. Working together, you gain a degree of confidence when uncertain times come.

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RETIREMENT AND
TAX PLANNING

We help you determine how long to work and when to retire to continue your lifestyle. We analyze when and how to take money from your portfolio to replace your paycheck, with an eye on tax efficiency, spending, healthcare and social security maximization. We address the primary concern of having your money last for the rest of your life.




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HOLISTIC/COMPREHENSIVE
PLANNING

Our comprehensive planning focuses on real life. It’s putting a date to your goals and steering your life based on analysis, giving you choices and alternatives. You gain the ability to see how reachable your goals are. It starts with getting to know you and the way you want things done to fulfill your needs. We take into consideration your family and all the secondary factors that go into a comprehensive financial plan.


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WE'VE BEEN LISTENING
FOR OVER 30 YEARS

Total Wealth Planning’s team of Certified Financial Planners® are here to listen to you and your questions. We never want you to feel rushed. The real benefit is having a road map to help ensure the key elements of your financial life are in order.


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4665 Cornell Rd. Suite 160, Cincinnati, OH 45241 4665 Cornell Rd. Suite 160, Cincinnati, OH 45241
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FAFSA Application Season Starts October 1st
Tuesday, September 22, 2020


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