A Personal CFO
for high-performing families
Financial Guidance
A Personal CFO
for high-performing families
A Personal CFO for high-performing families
A Personal CFO
for high-performing families
Specialized Financial Planning
A Personal CFO
for high-performing families navigating complex compensation and wealth
The Personal CFO
for high-performing families
A Personal CFO
for high-performing families
for high-performing families
A Personal CFO
for high-performing families
A Personal CFO for high-performing families
A Personal CFO
for high-performing families
A Personal CFO
for high-performing families
Eslami & Co. is a boutique wealth management firm that designs holistic financial strategies for affluent families navigating challenges like tax optimization, complex compensation structures, and protecting your wealth for the long term.
We develop proactive tax-minimization plans centered on managing concentrated equity positions, planning for RSU and option-related liquidity events, and aligning deferred compensation with your financial goals.
Our most successful client stories involve executives at public companies, technologists at fast-growing startups, and late-career professionals who want to retire confidently while planning for future generations.
We'll tailor a multi-year plan focused on:
Plan for Life's Milestones
Whether it's buying a home in a competitive market, starting a family and planning for education, or understanding what it truly takes to retire comfortably, we will chart the course using a rigorous, quantitative approach.
Optimize Your Equity
We'll create a multi-year strategy for your stock options and RSUs, balancing tax efficiency with your personal risk tolerance and cash flow needs. Complex compensation and equity structures are our sweet spot.
Supercharge Your Savings
We'll go beyond simply maxing out your 401(k) to unlock its most powerful, and often overlooked, features to accelerate your path to financial independence.
Once your financial foundation is secure, we can explore the opportunities that truly excite you—whether that's angel investing, planning a sabbatical, or laying the groundwork for your own venture.
Financial clarity should feel like an unlock, not another item on your to-do list.
If you're ready to bring the same level of intention and ingenuity to your wealth that you bring to your work, I invite you to schedule a complimentary introductory call.
Let's build your trailmap.
- Cyrus Eslami
- Founder
- cyrus@eslami.co
Who I Work With
My practice is intentionally focused on professionals navigating the unique challenges of equity-heavy compensation.
You're a Great Fit If:
- ✓ Technology, finance, or sales professionals — with meaningful non-cash compensation (RSUs, options, founder equity, or commissions)
- ✓ $500K+ in investable assets — or on that trajectory
- ✓ $300K+ annual income — with RSUs, equity, and options
- ✓ Value expertise and education — seeking a partner that will help you make better decisions with robust context
- ✓ Within 12 months of a major decision — equity exercise, home purchase, having a child, inheritance, or company exit
How We Work
Financial planning should feel collaborative, not transactional.
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STEP 01
Discovery Call
30 minutes · Complimentary
We'll discuss your current situation, goals, and challenges. I'll explain my approach and answer any questions. By the end, we'll both know if there's a good fit.
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STEP 02
Engagement & Data Gathering
Week 1
After signing the advisory agreement, you'll receive secure access to our client portal. We'll gather information about your compensation, equity holdings, investment accounts, retirement plans, insurance, and estate documents.
Done at your pace with clear guidance on what I need and why.
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STEP 03
Deep Dive Meeting
90 minutes · Week 2-3
Our first working session where we explore your financial life in detail.
Topics: Career trajectory, risk tolerance, family goals, and what financial independence means to you. This conversation shapes everything that follows.
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STEP 04
Plan Development
Week 3-5
I'll build your comprehensive financial plan, including detailed equity strategies, tax projections, investment recommendations, and actionable milestones.
Every recommendation explained in plain language with clear rationale.
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STEP 05
Plan Presentation & Implementation
90 minutes · Week 5-6
We'll review your plan together, adjust based on your feedback, and prioritize next steps.
I'll provide implementation checklists and coordinate with your CPA, attorney, or HR team as needed.
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ONGOING ∞
Ongoing Partnership
Bi-annual meetings + continuous access
We'll meet twice per year to review progress, adjust strategies, and address new opportunities. Your financial life is a living, breathing thing. We'll continuously update your plan as you grow and change.
Between meetings: Unlimited email access, and proactive outreach when I see planning opportunities or market changes that affect you.
Services & Pricing
I offer comprehensive financial planning tailored to high-performing professionals navigating life events and complex compensation packages.
Fee-only structure. No commissions. No conflicts.
Full-Spectrum Wealth Management
$10,000 minimum annual fee · Scales with portfolio size
What's included:
- Equity Strategy — Multi-year tax-optimized plans for stock options (ISOs, NSOs) and RSUs, including AMT projections and exercise modeling
- Tax-Efficient Investing — Portfolio design, asset location strategy, tax-loss harvesting coordination, and ongoing rebalancing
- Retirement Acceleration — 401(k) optimization including mega-backdoor Roth conversions, Roth IRA backdoor contributions, and cash balance plan evaluation
- Life Event Planning — Home purchase analysis, 529 college savings strategies, insurance needs analysis, and estate planning coordination
- Ongoing Support — Bi-annual video meetings, unlimited email access, and proactive outreach when financial decisions arise
Best for: Professionals with $500K+ in investable assets or $300K+ annual income with significant equity compensation.
Review your Current Plan
per review
What to expect:
A comprehensive review of your current financial plan and advisor's recommendations, highlighting strengths, identifying untapped opportunities, and spotting potential risks.
Perfect if you want an objective second opinion or a glimpse of the unique approach and value we provide. No long-term commitment required.
Perfect for: Someone who is already working with an advisor and wants an objective second opinion.
All engagements begin with a complimentary 30-minute introductory call.
Fee Calculator
Adjust AUM to see blended fee
Frequently Asked Questions
Find answers to common questions about my approach, process, and who I work with.
Are you a fiduciary?
Yes. I am a fiduciary, which means I am legally obligated to act in your best interests instead of my own.
How are you different from robo-advisors?
Robo-advisors excel at low-cost, automated portfolio management for straightforward situations. They can be great. I spent 10 years building one!
What they can't do: Personalized equity compensation strategies, tax planning across multiple scenarios, or integrated advice on career decisions that affect your finances.
I offer comprehensive planning that accounts for complexity—something algorithms can't replicate.
Investment management or financial planning?
Both. I provide comprehensive financial planning and ongoing investment management.
While I can give advice-only guidance for a flat fee, most clients prefer the integrated approach—portfolio management, tax strategies, and continuous planning support, all for one transparent fee.
Do I need to transfer all my accounts?
Not necessarily. I can provide planning guidance without you moving any assets.
For investment management: I typically recommend consolidating taxable investment accounts at our custodian (Altruist) so I can actively manage them.
Employer accounts stay put: 401(k), ESPP, and equity grants remain where they are—I'll provide guidance on managing them optimally.
What if my company hasn't IPO'd yet?
Perfect. This is actually the best time to start planning.
What we'll do: Model various exit scenarios, create exercise strategies that minimize tax impacts, help you understand the true value of your equity, and build contingency plans.
The decisions you make 12-24 months before an IPO can have multi-million dollar implications.
Do you work with my CPA or attorney?
Absolutely. Great financial planning is collaborative.
I regularly coordinate with clients' CPAs on tax strategies, estate planning attorneys on wealth transfer, and even HR departments to clarify equity plan details.
Clear boundaries: I provide financial planning, not legal or tax preparation services—but I'll ensure everyone is working from the same playbook.
What does "fee-only" actually mean?
Fee-only means I'm compensated directly by you through transparent fees—never through commissions, product sales, or hidden arrangements.
- Ongoing clients: Percentage of assets under advisement (AUM)
- Project work: Flat fees or hourly rates
- Zero third-party compensation
What if I leave my job or my company gets acquired?
This is exactly when planning pays off.
We'll have already modeled these scenarios. You'll know exactly what to do with your equity, how to negotiate your exit package, and how to manage tax implications.
I'm available for as-needed calls during transitions—not just scheduled quarterly meetings.
Can you help me evaluate job offers?
Yes. I can model the financial implications of competing offers.
What we'll analyze: True value of different equity packages, benefits, comp structures, vesting schedules, valuation assumptions, tax treatments, and opportunity costs.
My role: Help you understand the financial trade-offs clearly. The decision is yours.
What's your investment philosophy?
Evidence-based. Tax-efficient. Diversified.
- Portfolios that are designed to be resilient in all economic environments
- Strategic asset location to minimize taxes
- No market timing or stock picking
- Systematic diversification for concentrated equity positions
Ready to Start?
The best time to start financial planning is before you need it.
Whether you're navigating an upcoming IPO, choosing between job offers, or simply feeling overwhelmed by complexity—I'm here to help.
Schedule a complimentary 30-minute introductory call:
cyrus@eslami.co
We'll discuss your situation, answer your questions, and determine if working together makes sense.
No sales pressure. No obligations. Just a straightforward conversation about your financial future.