RSU & Stock Options: Financial Planning for Tech, Aerospace & Defense Professionals

Lashkari Wealth Management & Insurance Solutions provides comprehensive financial planning for aerospace, defense, and technology professionals  in Newport Beach, California, and select other states. Our fiduciary advice is offered through Statera Asset Management, an SEC‑registered investment adviser. We put client interests first and align all recommendations with your qualitative and quantitive objectives.



Navigating Your Equity Compensation With Confidence


Serving professionals at the forefront of innovation, we focus on employees in aerospace, defense, and technology across Southern California and other permitted jurisdictions. Many of our clients work for leading firms in these sectors, including companies such as SpaceX, Anduril, Raytheon, Tesla, NVIDIA, OpenAI, AMD, Blue Origin, Waymo, Amazon, Google, Microsoft, Apple, Meta, Broadcom, Oracle, Databricks, and other similar organizations. We provide personalized advice on RSUs, stock options (ISOs and NSOs), ESPPs, and private‑company shares, integrated with tax‑aware planning around AMT, 83(b) elections, liquidity events, tender offers, buybacks, and IPOs, in coordination with each client’s tax and legal professionals.​



Who We Serve


Services are focused on individuals and families in the aerospace, defense, and technology sectors whose compensation and wealth are closely tied to company equity. This often includes:​


  • Engineers, managers, and executives with RSUs, ISOs/NSOs, ESPP, or other equity awards at public or private companies
  • Employees and shareholders preparing for potential liquidity events, tenders, buybacks, or future IPOs
  • Households managing concentrated stock positions alongside retirement, cash flow, and family goals
  • Select business owners and retirees with equity holdings, stock options, or similar incentives
  • We primarily serve clients in Newport Beach, La Jolla, and throughout Southern California—including Los Angeles, Orange County, San Diego, and San Francisco—as well as other select jurisdictions where properly registered or exempt from registration.



Disciplined Investment & Equity Compensation Management


The wealth management approach integrates portfolio construction, equity compensation analysis, risk management, and ongoing monitoring so that equity awards support long‑term goals rather than drive them.​


  • Equity compensation review and strategy - Evaluate grant documents, vesting schedules, and liquidity windows for RSUs, options, ESPP, and private company equity to understand risk, cash flow, and tax implications in the context of a broader plan.​
  • Asset allocation and portfolio construction - Build diversified portfolios that incorporate concentrated company stock and illiquid holdings, tailored to time horizon, risk tolerance, and liquidity needs.​
  • Scenario analysis and liquidity planning - Model potential outcomes around exercising options, selling RSUs, participating in buybacks or tenders, or holding pre‑IPO shares, including estimated tax impacts and diversification paths.​
  • Ongoing monitoring and rebalancing - Monitor portfolios and equity positions over time, adjusting allocations and diversification strategies as vesting, 409A valuations, tender offers, or market conditions change.​
  • Coordination with tax and legal professionals - When requested, planning may be coordinated with a client’s CPA and attorney to help address AMT exposure, Section 83(b) considerations, estate planning, and related issues tied to equity holdings.​


Financial Planning FAQs


How are financial planning fees structured for equity compensation work?
Financial planning fees are usually flat or retainer‑style and are based on the scope and complexity of your situation. All planning fees are agreed upon in advance and fully disclosed in writing through our advisory agreements and Form ADV.​


Will you help me decide when to exercise options or sell RSUs from a planning perspective?
Yes. Financial planning for equity compensation includes modeling different exercise, vesting, and sale strategies in the context of your goals, time horizon, risk tolerance, and cash‑flow needs. While we do not provide tax or legal advice, we can coordinate with your tax and legal professionals so your decisions are informed from a planning, tax, and legal standpoint.​


Can you help me evaluate my employee benefits, including ESPPs and stock purchase programs?
Yes. As part of a comprehensive financial planning engagement, we review your employer benefits—such as retirement plans, health savings accounts, insurance options, and equity programs like ESPPs and stock purchase plans—to help you understand how they fit into your broader plan and long‑term goals. This review is educational and planning‑focused and is not a substitute for tax, legal, or HR advice from your employer or other professional advisors.​


Do you provide tax advice on RSUs, stock options, or ESPPs?
No. Lashkari Wealth Management, LLC does not provide tax or legal advice, and nothing in our planning process or on this website should be construed as such. Our role is to help you understand the financial planning implications of your equity compensation and, when appropriate, to collaborate with your CPA or tax professional so they can provide tax advice that aligns with your overall plan. Please see more important disclosures below.


Can you work with my CPA, attorney, or other advisors on my equity compensation?
Yes. As part of the financial planning process, we can collaborate with your CPA, attorney, and other professionals to help ensure that decisions around RSUs, stock options, ESPPs, and other awards are coordinated with your tax, legal, and estate planning strategies. Any tax or legal advice is provided by those professionals, while we focus on integrating your equity compensation into a cohesive, goal‑aligned financial plan.