You run a complex business unit. But, when you look at your own financial picture: deferred comp, equity comp, pension, properties, Social Security, investment accounts, and the multi-year tax implications…You feel something you almost never feel at work: lost.”  

That’s exactly why MARGIN exists. Is this you?

• You’ve Googled or used ChatGPT to answer “Can I retire?,” but never run the numbers with a specialist who understands your specific situation.

• Your accountant just shrugs and says, ‘That’s the way it is,’ when you ask how to lower your tax bill. You’re giving away 40%+, and nobody seems to care.

• You have a hard time trusting your advisor. They manage investments, but never once proactively let you know you were making a mistake with planning. 

• You’ve been offered a separation package with less than 60 days to make decisions worth hundreds of thousands of dollars, and you don’t know who to call.

• You built a $3M+ in net worth, but never a coordinated plan. Everything is scattered across accounts, plans, and advisors who don’t talk to each other.

• You hate feeling guilty and ashamed, but don’t seem to have the time to figure out your own finances. You’re embarrassed to ask basic questions even though you are starting to feel your situation is too complex to handle alone. 

• You don’t understand the interaction between your deferred comp, RSU vesting schedule, pension election, and Social Security timing. And honestly, you don’t think your current advisor does either.

• You know you should diversify out of these stocks, but the potential tax hit keeps you frozen.

• You’ve been deferring income for years, and you feel there is a myth that you’ll be in a lower tax bracket when you retire. With deferred comp distributions, RMDs, Social Security, and portfolio withdrawals. 

• Your deferred comp election is due in October, and you have no idea how much to defer. Every year, you just pick the same number and hope it works out.