ALIGN360™ WEALTH MANAGEMENT
Done-For-You Wealth Management for High-Net-Worth Women.
Most advisors manage a portfolio. Your financial life is a portfolio plus equity compensation plus five account types taxed five different ways plus an estate plan plus a retirement date. Align360™ manages all of it as one plan, so the pieces work together instead of against each other.
Why a Portfolio Manager Is Not Enough.
Align360™ Wealth Management is an ongoing advisory relationship that combines financial planning, investment management, tax coordination, equity compensation strategy, and estate coordination for high-net-worth women and families. It is delivered by a fee-only fiduciary firm, which means Align is paid only by its clients and never by commissions or product sales.
At the level of wealth our clients have reached, the expensive mistakes are rarely investment mistakes. They are coordination mistakes: RSUs sold in a high-income year, a Roth conversion window that closed unused, charitable gifts made with cash instead of appreciated stock, beneficiaries that still name an ex-employer’s plan. Each one sits in the gap between two professionals who never spoke to each other. Align360™ closes the gap by putting one team in charge of the whole picture. If you want the difference spelled out, read wealth management vs. financial planning.
The Align360™ Experience: Two Phases, One Plan.
Your Wealth Blueprint
Every relationship begins with your Wealth Blueprint™: the core plan we build together when we start, and the roadmap to the goals you set. Before we change anything, we put your complete financial picture in one place. Together we work through six areas:
- Vision and values. What the money is for, in your words, before any spreadsheet appears.
- Financial organization. Every account, policy, grant, and document in one clear view, often for the first time.
- Cash flow and spending alignment. Where the money goes now and what needs to move to fund what matters.
- Protection and risk. Insurance, titling, and the gaps that only show up when something goes wrong.
- Investment and equity compensation strategy. Your portfolio and your RSUs, ISOs, NQSOs, and ESPPs treated as one plan, not two.
- Tax and estate coordination. Multi-year tax strategy and an estate structure that matches your actual wishes.
The result is a written plan, a prioritized action list, and a dashboard with everything in one place. Implementation starts while the plan is still being built, because some moves can only happen when the calendar allows.
Your Wealth in Motion
Once your plan is built, it moves into the Annual Rhythm: formal reviews in the spring and the fall, plus planning timed to the calendar that governs your money. Equity vest dates. Tax deadlines. Open enrollment. Year-end planning windows. Between meetings you have unlimited access to us by email and phone, because financial questions do not wait for review season.
This is the part a one-time plan cannot give you, and it is the part that compounds. The decisions that live on that calendar are the ones we write about most: the Roth conversion window, selling or holding vested RSUs, the mega backdoor Roth, and withdrawal order in retirement.
Investment Management (Ongoing)
Your money should work as intentionally as you do. We’ll help you invest with purpose through:
- Portfolio Construction & Oversight
Investment selection focused on long-term growth, diversification, and cost efficiency: without unnecessary complexity. - Tax-Aware Management
Because it’s not just what you earn, it’s what you keep. We implement:- Tax-loss harvesting
- Tax-smart rebalancing
- Strategic asset location
- Withdrawal planning that protects your future
- Rebalancing & Monitoring
Markets change. Life changes. We stay on top of both so you don’t have to. - Equity Compensation Monitoring
Those stock options and RSUs you’ve earned? We’ll help you maximize their potential without taking unnecessary risks.
Financial Planning Support (Ongoing)
Your financial life isn’t static, and neither is our support.
- Annual Strategy Sessions
We’ll review your progress, revisit goals, and adjust as your life evolves. - Retirement Timeline & Income Strategy Refresh
Whether retirement is decades away or just around the corner, we keep your plan relevant and realistic. - Charitable Giving Strategy
Give meaningfully while being tax-smart: whether through Donor Advised Funds or appreciated stock. - Cash Flow and Liquidity Planning
Because life happens. We’ll help you prepare for both expected and unexpected transitions. - Tax Planning Coordination
We stay in sync with your accountant or prepare projections internally to reduce surprises. - Support with Big Decisions
Buying a home? Negotiating compensation? Planning a sabbatical? We’re here with the financial perspective you need. - Coordination with Trusted Professionals
Your CPA, estate attorney, or mortgage advisor: we keep everyone aligned with your goals.
On-Demand Support
Some questions can’t wait for a scheduled meeting. That’s why we offer:
- Unlimited Email & Call Access
We’re just a message away whenever something new comes up. - Timely Reminders & Check-ins
Gentle nudges to ensure important tasks don’t fall through the cracks. - Client-Only Resources
Educational tools, webinars, and updates tailored to your financial life.
Why We Always Start with a Financial Plan.
We do not move a dollar until we understand the whole picture. Managing a portfolio without a plan is a doctor prescribing before running tests.
Plenty of free financial plans are sales tools for insurance, annuities, or products that pay the advisor more than they help you. Ours is not. We are a fee-only fiduciary: there is no product to pitch and no one paying us to recommend anything. Planning is included in the relationship, with no separate planning charge and no onboarding fee. Complete pricing is on our pricing page, and the industry context is in how much does a wealth manager cost.
The Align Difference
What Sets Us Apart And Why It's Important
On the surface, lots of financial advisors sound the same. But not all advice is created equal. Here’s what to look for when you’re ready to partner with someone who truly has your back:
Fee-Only & 100% Fiduciary
We work only for you. No commissions, no product sales, and no incentives to recommend anything that’s not in your best interest. Ever.
Whole-Picture, Life-Centered Planning
We go beyond your portfolio to address every dimension of your financial life: taxes, cash flow, protection, estate planning, and more: all working together as one cohesive strategy.
Equity Compensation Expertise
RSUs, ESPPs, and stock options are opportunities, not mysteries. We help you make smart, tax-efficient decisions, especially during M&A events, job changes, or pre-IPO phases.
Behaviorally Aware
Money is emotional. We help you manage wealth and the weight it can carry, so you can lead with confidence. Your feelings about money matter just as much as the numbers.
Clarity Without Complexity
Your financial life might be complicated, but working with us isn’t. We break it down, organize what you have, and help you take action without overwhelming you.
Wealth Management FAQ
What is wealth management at Align Financial Solutions?
Align360™ Wealth Management combines financial planning, investment management, and year-round tax and equity compensation coordination in one ongoing relationship. It begins with your Wealth Blueprint™ and continues through the Annual Rhythm. It is Align’s only service; every client is an Align360™ client.
How is wealth management different from investment management?
Investment management is one piece: choosing and rebalancing a portfolio. Wealth management is that piece plus everything that decides what the portfolio is for and how it is taxed: cash flow, equity compensation, multi-year tax strategy, protection, and estate. Align does not offer investment management on its own.
Do I need a financial plan before you manage my money?
Yes. Every Align360™ relationship starts with your Wealth Blueprint™, and we do not move assets until the plan exists. Planning is included; there is no separate planning charge.
Do I need $1 million for you to manage my money?
Not as a rule. Most of our clients have over $1 million in investable assets or household income above $350,000, but we qualify on complexity as much as account size. If your situation has real moving parts, book the call and we will tell you honestly whether we fit. See our pricing.
Do you help with equity compensation like RSUs?
Yes. RSUs, ISOs, NQSOs, and ESPPs are built into your plan and managed through the Annual Rhythm: sell-down and exercise schedules that respect your tax brackets, trading windows, and concentration risk.
Let’s build something aligned, together.
You have done the work of building it. The next decade is about keeping it, growing it, and paying less tax along the way. If you want one team looking at all of it, start with fifteen minutes.