Financial Services for Executives – Many Eggs, Many Baskets 

Corporate executives typically have financial situations far more complicated than that of a typical worker. That doesn’t mean, however, that the financial planning mistakes they make are all that different than the average person’s. It often comes down to having too many eggs in one basket.

Rollins Financial creates financial plans for executive clients with complex financial situations, accounting for a wide array of financial assets, including corporate compensation and benefits, real estate, and other investments. We understand the daily demands that executives face, and work to make the financial planning process as transparent and seamless as possible.

Corporate executives are accountable in ways that most other workers are not. They must answer to all company stakeholders; customers, employees, shareholders, and the public at large. This often demands an extraordinary commitment of time and effort. Attention to detail is crucial. We understand the daily demands upon their time that executives face, and work to make the financial planning process as transparent and seamless as possible.

We are a true Fee-Only financial advisor that customizes portfolios aligned with your goals. The investment advisers at Rollins Financial are fiduciaries for our clients. It is our legal and ethical responsibility to pursue your financial best interest in good faith.

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Dealing with complex finances?

We understand the daily demands upon their time that executives face, and work to make the financial planning process as transparent and seamless as possible.

Are You Diversified?

Why do so many executives fail to diversify their holdings? Simple. If you diversify, you have to pay taxes on the gains. The tax-deferred nature of stock options and other company-related compensation alternatives to simple income are a big part of what makes them attractive in the first place.

Stock options are a great way for companies to make executive compensation packages more attractive. Company stock makes up a large portion of the net worth of many of the executives we counsel at Rollins Financial. This can expose executives to huge losses if the company stock drops as a result of a data breach, bankruptcy rumors, or some other adverse market development. Rollins Financial can help you maintain a balanced portfolio.

Deferred Compensation

Companies often try to incentivize executives to come to work for them with complicated compensation packages, including the option to defer significant portions of their income to a later date. Deferred comp can only be offered to senior management and other highly-compensated corporate employees, and its tax-deferred status hinges upon the IRS recognizing that the executive receiving it has highly sought-after skills and could easily switch positions to work for a competitor.

High earners reap the immediate benefit of reducing income in their top marginal tax rate for the year the compensation is deferred. Taxes must be paid on deferred compensation at the time it is eligible to be received.

As with stock options, though, there are dangers of being too closely financially aligned with your employer. If the company faces bankruptcy, the value of the options could be lost. You may also be required to take the dispersals over a period of years, limiting your financial flexibility in the short term.

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Need help with navigating your pension and maximizing your cash balance plan?

We understand the daily demands upon their time that executives face, and work to make the financial planning process as transparent and seamless as possible.

Pension and Cash Balance Plan Maximization

Rollins Financial has experience helping corporate executives navigate pension and cash balance plan maximization. There can be significant long-term financial consequences of these decisions. You should make sure you have the flexibility to move your retirement funds with you throughout your working career.

Your accountant and your financial planner should work in harmony to secure the financial future you envision for your family. Rollins Financial coordinates tax strategy, financial planning, and investments for corporate executives. We encourage proactive tax planning for individuals and businesses. We work for your peace of mind and financial health.


Frequently Asked Questions (FAQ’s)

Q: Where do I start with navigating pension and cash balance plans?

A: Rollins Financial has experience helping corporate executives navigate pension and cash balance plan maximization. We coordinate tax strategy, financial planning, and investments for corporate executives. We encourage proactive tax planning for individuals and businesses as there can be significant long-term financial consequences of these decisions.

Q: Should I consider an offer of deferred compensation?

A: Companies often try to incentivize executives to come to work for them with complicated compensation packages, including the option to defer significant portions of their income to a later date. As with stock options, there are dangers of being too closely financially aligned with your employer. If the company faces bankruptcy, the value of the options could be lost. Let us help, we work for your peace of mind and financial health.

CNBC’s recognition is a great honor to our firm. It reflects our dedication to providing such a high level of expertise to our clients along with exceptional service.
— — Joe Rollins