San Francisco Financial Advisory
- Financial
- Accounting
- Stock Options
- Taxes
- for tech people and founders
ABOUT US
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San Francisco Financial Advisory was founded to serve the financial and tax needs of tech employees and founders.
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Stock options, RSU's, company formation and capitalization, and all of the tax issues that go along with these.
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We know it, we get it done. Period.
"When you need to see the light at the end of the financial tunnel."
OUR SERVICES
Financial
If it's financial, and it's tech, we probably have experience dealing with it.
Accounting
Accounting issues come up with IRS and FTB tax authorities. That's where we can help.
Stock Options
There are many issues in today's equity compensation, including stock options (ISO and non ISO), RSU's, vesting schedules, and regulatory taxes. As our client, our job is to make sure it gets done right.
Taxes
Calculating what you owe, and not a dollar more, is our job. And making sure all of the required tax returns get filed too.
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CASE STUDIES
Case Study #1: Stock option exercise, 6 figure tax bill
Tech client had a preliminary tax bill of 6 figures on exercised stock options.
Solution: We were able to properly document the cost basis in the stock and ISO vs non ISO status, establishing a more favorable cost basis to the client, lowering their tax bill to 5 figures., a significant savings.
Case Study #2: Correcting disallowed Roth IRA contributions
New client came to us after realizing had an over contribution tax issue within a Roth IRA.
Solution: We were able to fix the issue, file the necessary paperwork with IRS, including the appropriate amended tax return, and work with the client’s investment manager. Saved the client numerous penalties, successfully keeping IRS penalties to a minimum.
​Case Study #3: The importance of understanding your stock option vesting schedule. Are you leaving money on the table?
Solution: Saved client from leaving $350,000 on the table.
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Case study #4: Cap table re-pricing, how does this affect your stock options?
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Solution: Early stage employee and consortium, was able to convince management to get a 409A valuation report and issue newly priced options.
Savings=client recouped 6 figures of stock value.
Case study #5: Exercise window of stock options, and if you leave the company before they are fully vested.
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Key takeaway: Know your exercise window, when you initially accept a job offer with your new company, not when you are leaving the company.
Solution: In this case, we were able to show our client that they could still exercise their options, 1 year after exit, and would not have to forfeit them.
Savings=saved the client 6 figures.
