High earnings create complexity. Complexity deserves a plan.
Fee-only financial planning for senior professionals who want coordinated, independent advice - not a product recommendation dressed as a financial plan.
At a certain level of income and career complexity, financial decisions stop being straightforward. Equity compensation, deferred income, concentrated positions, and the interplay between current earnings and long-term retirement strategy require coordinated thinking across tax, investment, and planning simultaneously. We bring the framework and the expertise. You bring your career, your numbers, and your goals. Together, we build a plan that reflects your situation - not a template designed for someone simpler.
Who this is for
You hold equity compensation - RSUs, options, or an ESPP - and are uncertain how to manage concentration risk and tax efficiently
You have deferred compensation and want to understand how it interacts with your retirement picture
You are approaching a liquidity event and want to prepare rather than react
You feel your current adviser leads with products rather than strategy, or you're unsure whether they are a fiduciary
You want investment management, tax planning, and estate considerations in one coherent strategy
What we cover
Equity compensation - RSU vesting, option exercise strategy
Concentrated stock position management
Deferred compensation planning and distribution timing
Income tax planning and bracket management
Retirement accounts - 401(k), IRA, Roth conversion
Investment portfolio construction and management
Financial independence and cash flow modelling
Pre-liquidity event planning and coordination
Executive benefit analysis
Estate planning coordination and beneficiary review
The problem with commission-based advice
Senior professionals are a primary target for commission-based financial products - actively managed funds with high expense ratios, insurance products positioned as investment vehicles, and annuities sold under the cover of retirement planning. Under a suitability standard, an adviser is legally permitted to recommend what is 'suitable' - not necessarily what is optimal. Simon has practised on a fee-only, fiduciary basis since 2012. Hudson House Capital was established in 2025 as a direct expression of that commitment. We are compensated only by what you pay us - no fund commissions, no insurance trails, no referral fees.
Let's talk about your financial picture.
A 30-minute introductory conversation. No sales pitch. No obligation to proceed.