High-Income Professionals
Financial Planning for $250K+ Households
High-income W-2 households face a specific financial planning challenge: too much income to qualify for many tax-advantaged programs, too little to qualify for elite wealth-management firms, and complexity (equity comp, dual incomes, multiple state tax exposure) that generic advice doesn't cover. Ten Point Financial Group works with engineers, finance professionals, tech workers, and dual-W-2 households on the integrated strategy.
$250K-$1M+
Typical household income
Free
Strategy session
Independent
No AUM minimums
Why High-Income Professionals
High-income W-2 households have complexity that small-firm advisors don't address: Backdoor + Mega Backdoor Roth, RSU/ISO/ESPP planning, multi-state tax exposure from remote work, two-earner Social Security coordination, and a 30+ year accumulation horizon. They often have too much income for ACA subsidies but no employer-provided pension. Generic advisors either underserve them ("you're fine, max your 401k") or push expensive AUM relationships. We do tax-efficient planning without the AUM minimum.
How we help
Backdoor + Mega Backdoor Roth
Above Roth IRA income limits, Backdoor Roth is the path. If your 401(k) supports after-tax contributions + in-service distributions, Mega Backdoor unlocks $46K+ more tax-advantaged Roth space annually.
Equity Compensation Strategy
RSUs, ISOs, NQSOs, ESPPs each have specific tax treatment and timing decisions. Exercise timing affects AMT, ordinary income, and capital gains tax. We coordinate with your CPA on the moves.
Multi-State Tax Exposure
Remote work, relocations, vacation property — each creates state tax complexity. We help plan around state residency optimization and double-taxation issues.
Two-Earner Coordination
Dual-W-2 households need to coordinate: which spouse takes HSA, who maxes 401(k) first, who claims Social Security when, how to optimize each carrier's group benefits.
401(k) Plan Audit
Most high earners don't realize their 401(k) plan may support After-Tax contributions + in-service Roth conversions — i.e., Mega Backdoor Roth. We audit your specific plan to find unused space.
Frequently asked questions
Is the Backdoor Roth IRA still legal?+
Yes, as of 2025. Congress has periodically discussed limiting it but hasn't passed legislation. We watch for changes and adjust client strategies if rules change.
Should I exercise my ISOs?+
Depends on company outlook, current stock price vs. strike, your AMT exposure, and your concentration risk. Wrong timing can trigger large AMT bills on phantom income. We coordinate with your CPA on exercise math.
Do I need a financial advisor with AUM fees?+
Not necessarily. AUM (Assets Under Management) advisors typically charge 1% of portfolio annually — meaning a $1M portfolio costs $10K/year. We do project-based or retainer planning that often costs a fraction of that for similar advice quality.
How does remote work affect my taxes?+
Significantly. Working in a different state than your employer (or vacation home weeks in a tax-different state) can create dual-state tax exposure or unexpected residency claims. Plan ahead — many states are aggressive about claiming you as a resident.
Learn more
Free high-income planning review
Bring your last tax return, W-2s, equity comp grants, and retirement balances. We'll model the optimization opportunities — typically $10K-$50K+/year of missed tax efficiency.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.