Fee-only planning for the equity-heavy years of a tech career.
Austin Creek Capital works with senior technology professionals in the Bay Area and beyond whose wealth is concentrated in employer equity. RSUs, ISOs, NSOs, pre-IPO stock, and the tax decisions that come with them.
We are a fee-only, fiduciary registered investment adviser. No commissions, no product sales, no third-party incentives. Our only compensation comes from our clients, and our advice is held to a fiduciary standard, in writing.
Comprehensive planning, built around your equity.
Financial planning is the wrapper. For our clients, these are the areas where the work actually happens.
- Equity compensation planning RSUs, ISOs, NSOs, and pre-IPO stock. Exercise and sale timing, AMT exposure, withholding gaps, 10b5-1 plans, and the decisions that move your after-tax outcome by six figures.
- Tax strategy Multi-year tax projections, Roth conversions, charitable strategies, capital gains harvesting, multi-state situations when they apply, and the year-end moves most people make too late.
- Concentration and diversification A deliberate plan for unwinding a concentrated employer position, with attention to taxes, vesting schedules, and the behavioral side of selling stock you have grown into.
- Bay Area real estate Buy-vs-rent at your wealth level, remodel and second-home financing, 1031 exchanges, and the honest math behind whether you can actually afford the decision in front of you.
- Ongoing planning Cash flow, retirement and financial-independence projections, insurance and estate review, and regular check-ins so the plan keeps pace with your life.
Clear, flat-fee pricing.
Two ways to work together. Ongoing planning stands on its own; investment management is optional, for the assets we manage on your behalf.
| Service | Fee |
|---|---|
| Ongoing financial planning Comprehensive, ongoing planning relationship | $1,500 onboarding, then $600 / month |
| Investment management Optional, for assets we manage | 0.50% of assets under management Annual rate, billed quarterly in arrears |
Fees are negotiable, and individual accommodations may be made consistent with our Form ADV.
Who this is for.
We keep a small, intentional client base. A quick gut check before we talk.
A good fit if you
- Have meaningful wealth concentrated in employer equity (RSUs, ISOs, NSOs, or pre-IPO stock).
- Want a fiduciary partner for the bigger decisions, not just another investment manager.
- Value tax-aware, multi-year planning over product pitches.
Probably not the right fit if you
- Are looking for stock tips or someone to beat the market.
- Want a one-time transaction rather than an ongoing planning relationship.
- Are early in your career with little complexity yet (we are still happy to point you in the right direction).
Twenty minutes is enough to know if we're a fit.
No pitch, no pressure. A short call where we ask what's actually on your mind right now, and you decide whether you want to go further.