WEALTHENGAGE, INC.
MIAMI, FLORIDA

We help corporate executives with many different executive transactions, including stock option planning, cashless stock option exercises, rule 144 executions, 10b5-1 sales plans, and hedging and monetization for concentrated equity positions. In addition, we can assist with corporate solutions such as share repurchase programs, corporate cash management, executive benefit platforms, and retirement programs. Count on us to serve as your trusted partner to help manage your investments and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer, and charitable giving. Please note that changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, as Raymond James financial advisors we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Roberta is a high-ranking executive at a publicly traded company, but the lure of dedicating more time to her sons is too strong to ignore. Like the excellent planner that she is, she knows it’s never too early to prepare. She has accumulated a sizable degree of wealth thanks to her 401(k) plan, deferred compensation and company stock, but she wanted to make sure to make the most of it – and that meant addressing all the investment complexities and tax implications that accompanied it. She sought the advice of her co-workers and was ultimately referred to us by her company’s CFO, who also happens to be a client. Upon meeting Roberta and getting to know her and her personal details, we learned that company stock and stock options represented 50% of her overall net worth, which makes her highly vulnerable to the fluctuation in the company stock. Because she can only buy or sell the company stock during certain periods throughout the year, we monitored the stock price because her transaction window approached quickly. Through the work of a dedicated investment team, our client reduced the amount the company stock represents of her overall net worth in a tax-efficient manner, while protecting her downside risk on the remaining stock that she was not ready to (or able to) sell by hedging her position. We conducted a detailed analysis of her corporate stock options, restricted stock units (RSUs), company stock holdings, and their potential tax liability. In accordance with Rule 144, we presented a lending program designed to provide liquidity without having to sell her restricted shares, and offered a way for her to receive compensation while complying with her restricted shares’ vesting plan, distribution schedule and income tax responsibility. We considered tax-efficient strategies for drawing the income she would need to maintain her desired lifestyle and helped determine the appropriate mix of assets to help Roberta achieve her goal for having monthly retirement income to sustain her lifestyle. We also stress-tested her investment portfolio to ascertain the effect certain events could have, which helped her (and us) understand her true tolerance for risk. We help entrepreneurs get down to business. We’ll take the time to understand your agenda and objectives, and help you address a wide variety of important needs, such as asset protection, cash flow management, tax planning, estate planning, employee retention, insurance and financing. We can help you establish, manage and run the retirement plan that is right for you and your company, whether it is a defined benefit, 401(k), 403(b), profit sharing, SEP or similar employer-provided plan. Ingeneral, advantages of such plans include maximizing benefits and reducing taxes for you and other key staff members. We recognize that you are probably too busy building and running your enterprise to devote the necessary time and attention to your personal financial matters. It’s why we’ve developed the specialized expertise to serve as your comprehensive wealth manager so you can continue uninterrupted with the important business matters at hand. As with many business owners, your personal wealth is probably intertwined with your company, so we will help you have a solid exit plan in place for the eventual transfer of wealth to your personal and retirement accounts. Elisa is an entrepreneur who co-founded a software firm. Elisa was in her early 60s and, much like her father before him, wasn’t ready to slow down and lived an active life between her business, three children and five grandchildren. Though she had planned well for retirement, much of her wealth was tied up in the business. Of even more contention, all but one of her children was successful in their own right and had little interest in the business. The third child had difficulty focusing and a somewhat troubled past. One of her long-time employees, Peter, showed continued promise, was eager to learn, passionate about the business and seen as a leader to the employees. They’ve had initial conversations of a succession where Elisa would sell the business and the real estate to Peter. We engaged Elisa to prepare for an eventual sale, understanding her complete personal financial situation, her ambitions, her fears and her passion. She wanted to sell the practice internally to keep the culture intact and avoid selling to a corporate buyer. Peter was eager and ready to transition, but was not financially prepared. He had little savings and minimal financial background. We assembled a collaborative team of professionals, including business attorneys, estate attorneys, appraisers, business valuation specialists, CPAs and lenders. We served as the holistic advisors who had a view of the full picture that not only included the transaction, but also the personal financials and what was most important to Elisa and his family. The result was that Elisa’s employee was ultimately able to acquire the business and the real estate. Post-sale, we provided investment management of the proceeds for Elisa, and benefits management, financial planning and tax planning for the new owner, Peter.