Wealth management for technology professionals
Stop guessing. Start building.
Half your net worth is in 1 ticker. The question is whether you can walk away.
Tech pay is a system. Most plans ignore that.
A salary is simple. A salary plus RSUs, refreshers, bonuses, and a 401(k) with 3 flavors of contribution is not. Left alone, that system quietly concentrates your wealth in 1 company and could hand the IRS more than it is owed.
Equity compensation planning
Grant by grant, vest by vest. We map your RSUs and employer stock, decide what each vest is for before it lands, and manage concentration on purpose, so the size of any single position is a decision rather than an accident.
Plan your equityTax planning
Vests are taxed like income, and the withholding may not cover what you actually owe. We plan the tax picture across years, not just at filing time.
See the approachInvestment strategy
A portfolio built around your goals and your risk, coordinated with the equity you already hold.
Retirement planning
Know the number, the date, and the accounts that get you there. Then check the math every year.
Estate & legacy
Company stock can become one of the largest assets in your life. We coordinate the plan with your attorney so it is positioned to transfer the way you intend.
Estate planningSometimes it is easier when you can actually see it
16 vest dates over 4 years. Every one of them is a decision, and the default is to let it happen to you.
- Yr 1
Taxes withheld
Withholding gets checked against what the vest actually adds to income, before April becomes a surprise.
- Yr 2
Diversify per plan
A slice comes off on the schedule agreed in advance, not on a hunch about the share price.
- Yr 3
Rebalance
The rest of the portfolio moves back to where the plan wants it, now that the position has grown.
This graphic is a hypothetical example of RSU mapping and is not from an actual client. Any example of actual client RSU mapping would only be representative of that client's experience and not necessarily indicative of any other client's potential experience or results.
You want to keep $600K of Google. What does everything else need to do?
- Google, kept on purpose
- Diversified equity
- Bond ladder
- Cash and short term
A larger Google position leaves less room elsewhere. The rest of the portfolio has to be evaluated around it.
Illustration only. Moving the slider changes a hypothetical example. It is not based on your situation, it is not a recommendation, and the mix shown is not a target allocation.
You want to leave at 52? Where does the next 10 years of income come from?
- Bond ladder and cash
- Dividends and portfolio
- Social Security
The next year of spending is already funded before the market gets a vote.
Every illustration on this page is hypothetical. None uses client data, and none is a recommendation.
Don Hilario, CFP®
Founder, Hilpan Moxie Wealth Management
- Credential
- CERTIFIED FINANCIAL PLANNER®
- Firm founded
- 2012
- Focus
- Big Tech professionals
- Based in
- Irvine, California
Don has spent the last 20 years helping people stop guessing and start building.
He founded Hilpan Moxie in 2012 to do the work his way: independent, responsible for the plan and the portfolio together, and focused on the technology professionals whose compensation deserves a specialist. He works with software engineers, managing directors, and recruiters to minimize taxes and keep investment decisions pointed at their goals.
He turns financial jargon into visualizations clients can see themselves in. Bill Cates featured him on the Top Advisor Podcast to break down how that focus on Big Tech became his practice.
The 4 moments this practice was built for
Grants stacking faster than decisions
Refreshers landing on top of the initial grant, a vest calendar you did not set, and no time to manage any of it.
The weeks that are dense with decisions
Severance terms, unvested equity, benefits, and the runway math, all arriving at once and all on a clock.
Before the usual dates line up
Income has to come from somewhere for years before Social Security, and healthcare has to reach Medicare.
You want to keep the stock
Deciding how much is reasonable against everything else, then building the rest of the portfolio around it.
Deep experience with Google employees
Don took on his first Google client in 2008. From GSU vesting to severance decisions, much of our published work walks through the exact choices Googlers face. If you are at Google or just left, we speak your comp fluently.
Who we serve
The plan is for the life on the other side of it
"Today, some are retired. Some have started businesses. Some are living overseas. And some are still happily working in tech." From Don's note on 14 years of clients.
How to work together
You decide where our responsibility stops
You want the planning, and you want Hilpan Moxie responsible for managing the investments with it.
Planning and portfolio management together. Priced on the assets we manage.
You want the planning and the advice, but you prefer to manage the investments yourself.
The plan and the advice while you manage the investments. Flat fee.
Next step
Bring the grant. Bring the questions.
A 30-minute intro call is enough to know whether we can move your plan forward.
Writing that answers real questions
Start with the sequencing guide for Google employees.