Archiwealth Case Studies

Navigating equity compensation and sudden income growth can feel overwhelming without a clear plan. Our objective is to bring structure, clarity, and confidence to their growing financial picture.

Age: Early 30s
Occupation: Software Engineer
Primary Goal: Understand equity compensation, minimize tax surprises, and build long-term wealth

Situation

A high-earning software engineer had recently been promoted, receiving a significant salary increase along with a new equity compensation package. This individual felt overwhelmed by the complexity of restricted stock units (RSUs) and the potential tax implications. With excess cash piling up, they were unsure whether to invest in the market, pay off student loans, or save for a home.

Approach

• Clarify how RSUs work, including vesting schedules and tax consequences.
• Design a tax-aware strategy for liquidating RSUs over time.
• Build a strategic cash flow plan to help balance short-term needs and long-term goals.
• Maximize contributions to retirement plans and health savings accounts.
• Model early financial independence and evaluated trade-offs.

Outcome

With a clear understanding of their equity compensation and a tailored financial plan in place, this individual can now invest with purpose, make progress toward homeownership, and work on eliminating debt. They can be confident in their tax strategy and proud to be maximizing their financial potential.

Ready to take control of your equity compensation and build wealth with confidence? Contact us now to create your personalized financial plan today!

When income sources are varied and life is busy, financial planning can start to feel chaotic. Our objective is to help families simplify their finances, stay organized, and feel more in control.

Age: Early 40s
Occupations: Business Owner/Content Creator and Sales Manager
Primary Goal: Manage taxes, build wealth, and plan a flexible future for their family

Situation

This couple earned a strong household income from two very different sources. One spouse ran a creative business with unpredictable revenue, while the other had a stable job in sales. Despite earning well, tax season was a recurring source of stress. They struggled with estimated tax payments and often felt like they were guessing their way through the process.

At the same time, this couple was juggling retirement planning, saving for their kids’ education, and investing for the future without adding extra complexity to their already busy lives.

Approach

• Create a quarterly estimated tax strategy to help reduce stress and avoid penalties.
• Establish a Solo 401(k) for the business to lower taxable income and boost retirement savings.
• Optimize workplace benefits and 401(k) contributions for the salaried spouse.
• Build a system for budgeting and tracking both salaried and business income.
• Design a long-term plan for education, lifestyle, and travel goals.

Outcome

With a system in place, this couple can feel confident and in control. Tax season should no longer be overwhelming, and their investments are aligned with their goals. They’ve created a financial plan that supports both stability and flexibility. Most importantly, they’re building a future they’ve intentionally designed while still enjoying the lifestyle they love.

Want to simplify your finances and plan for a flexible future? Contact us now to build a personalized, tax-smart strategy for your family.

Approaching retirement brings a mix of excitement and uncertainty. Our objective is to provide thoughtful planning, so this couple can feel prepared for what’s ahead and confident in their decisions.

Age: Early 60s
Occupations: Project Manager (nearing retirement) and Homemaker
Primary Goal: Retire confidently, manage healthcare transitions, and optimize Social Security and income

Situation

After years of diligent saving, this couple began to feel uncertain about how to turn their nest egg into reliable income. They were concerned about sequence of returns risk, healthcare costs before Medicare, and when to claim Social Security. They dreamed of traveling extensively but also wanted to leave a meaningful legacy for their children.

Approach

• Design a tax-efficient withdrawal strategy using IRA, Roth, and brokerage accounts.
• Evaluate Roth conversion options in an attempt to minimize lifetime taxes.
• Build a healthcare bridge plan until Medicare eligibility.
• Analyze Social Security claiming options to help maximize benefits.
• Create a travel and discretionary spending budget reflecting their priorities.

Outcome

With a personalized retirement plan in place, this couple can step into the next chapter with clarity and confidence. They have a well-defined income strategy, minimized tax surprises, and a plan to cover healthcare costs and support their family. Most importantly, they can feel confident and ready to enjoy the retirement they’ve always envisioned.

Excited for retirement but want a plan you can trust? Contact us now to create a retirement strategy that supports your lifestyle and legacy!

Big earnings can come fast, but turning short-term income into lifelong wealth requires thoughtful planning. Our objective is to help this athlete gain clarity, build a strategy, and protect their future.

Age: Early 20s
Occupation: Athlete
Primary Goal: Build financial stability, manage sudden income, and plan beyond sports

Situation

A high-performing athlete had recently signed a major contract, bringing in income levels they had only dreamed of. Between endorsements, salary, and prize money, their cash flow had increased rapidly but so had the financial complexity. They had questions about taxes, budgeting, investing, and how to build a lasting foundation for life after sports. With conflicting advice coming from many directions, they wanted an objective partner who could help them think long term.

Approach

• Design a customized cash flow plan to align day-to-day spending with long-term goals.
• Develop a multi-state tax strategy to help manage income, avoid surprises, and stay compliant.
• Establish a diversified investment approach to help build stability beyond their athletic career.
• Provide guidance on evaluating NIL and endorsement deals with financial clarity and discipline.
• Collaborate with agents, attorneys, and CPAs to help ensure an integrated financial strategy.

Outcome

With a clear financial plan and a coordinated support team, this athlete can now feel confident navigating their income and opportunities. They have a strategy in place for managing taxes, saving consistently, and making informed decisions around endorsements and spending. Most importantly, they’re starting to build a strong financial foundation for life beyond sports.

Ready to turn short-term income into long-term impact? Contact us now to build your personalized financial game plan.