Strategies for High-Income Professionals
Sophisticated planning for complex financial lives
Tax Optimization
Multi-year tax projections and strategies to minimize your effective rate across all income sources.
Backdoor Roth Strategies
Navigate income limits with backdoor and mega backdoor Roth contributions to build tax-free wealth.
RSU & Stock Options
Diversification strategies, exercise timing, and tax planning for equity compensation packages.
Deferred Compensation
Optimize NQDC elections, model payout scenarios, and coordinate with your overall retirement plan.
Asset Protection
Structure your wealth to protect against lawsuits, creditors, and unforeseen liabilities.
Charitable Giving
Donor-advised funds, qualified charitable distributions, and strategic giving to maximize tax benefits.
Who We Serve
We specialize in professionals with complex financial needs
Business Owners
Physicians & Surgeons
Attorneys
Tech Professionals
Professional Athletes
Smart Moves for High Earners
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Smart Money Moves for High-Income Professionals — Tax strategies, wealth building, and asset protection
How Fees Compound at Higher Portfolio Values
The higher your portfolio, the more fee transparency matters
| Portfolio Size | 1% Fee (Annual) | 20-Year Cost* | Savings at 0.75% |
|---|---|---|---|
| $500,000 | $5,000 | $100,000+ | $25,000+ |
| $1,000,000 | $10,000 | $200,000+ | $50,000+ |
| $5,000,000 | $50,000 | $1,000,000+ | $250,000+ |
*Approximate figures assuming 7% average annual return. Actual results will vary. For illustrative purposes only.
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Frequently Asked Questions
Why do high-income professionals need specialized financial planning?
Higher income creates complexity — multiple tax brackets, equity compensation, alternative minimum tax exposure, estate tax considerations, and asset protection needs. Generic advice leaves significant money on the table. Our strategies are built specifically for the challenges high earners face.
How can I reduce my tax burden as a high earner?
Strategies include maximizing retirement contributions (including backdoor Roth), tax-loss harvesting, strategic charitable giving through donor-advised funds, qualified opportunity zone investments, and multi-year income smoothing. The right combination depends on your specific situation — which is why personalized planning matters.
What should I do with my RSUs and stock options?
The key decisions involve exercise timing, diversification strategy, and tax management. We model multiple scenarios — including 83(b) elections for early exercise, net exercise vs. cash exercise, and gradual diversification plans — to find the approach that optimizes your after-tax wealth.
Do you work with clients outside of Florida?
Yes. While our offices are in Stuart, FL, we work with high-income professionals across the country. Most of our client interactions happen via video conference, and we coordinate with your local CPAs and attorneys to ensure seamless multi-state planning.
Your Wealth Deserves a Smarter Strategy
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Davies Wealth Management | Stuart, Florida | Treasure Coast
Phone: (772) 210-4031 | Email: DaviesWealthManagement@TDWealth.Net
SEC Registered Investment Adviser. Davies Wealth Management is a fee-only fiduciary advisory firm. This page is for informational purposes only and does not constitute investment advice, a solicitation, or a recommendation to buy or sell any securities. Past performance is not indicative of future results. All investing involves risk, including potential loss of principal. Please consult with a qualified financial professional before making investment decisions. Davies Wealth Management does not provide tax or legal advice.
We can help you make the most of what you have!