Our time-tested services and solutions for Apple executives and their families can help you identify and pursue your financial goals, including tax-sensitive portfolio diversification, financial planning, effective risk management, retirement and estate planning.
We have a deep understanding of the Apple benefits plans, compensation programs, and corporate culture.
Our Apple Customized Service
Merit has deep experience working with the financial planning needs of corporate executives at Fortune 500 corporations in particular issues relating to company stock holdings, and sales and tax consequences.
Our customized financial and investment advisory services for Apple executives and retirees include tailored advice on:
- Apple stock ownership guidelines, restricted stock, & long-term incentive programs
- Apple Pension Options & Strategy
- Diversification, Risk Mitigation, and Hedging Strategies
- Apple Lending and Class A Share Hypothecation Programs
- Liability Management Strategies
- Estate Planning and Family Planning Strategies
- Gifting Strategies
Company Stock
We understand the emotional attachment executives can have to their company stock and the inherent risks of concentrated stock positions.
Merit provides guidance on:
- Company Stock Holding and Tax Managed Diversification Strategies
- Restricted Stock Units
- Incentive and Non-Qualified Stock Options
- Financial Planning
- 401(k) Allocations
- Tax Consequences of Selling Low-Cost Basis Stock
- Hedging and Borrowing Strategies
- Estate Planning and Gifting Strategies
Financial Planning
One size does not fit all with Financial Planning. Our financial planning team focuses on developing comprehensive strategies to help achieve your financial goals. We strive to provide customized planning solutions that inspire confidence and help secure your financial future.
Questions to consider:
- How much of your net worth is tied up in Apple stock, and are you comfortable with the risk of a concentrated position?
- Are there strategies to manage capital gains taxes if you sell Apple shares over time?
- Do you have unvested Apple stock or RSUs, and how will future awards impact your stock concentration?
- Have you established an estate plan to protect your assets and ensure they are passed to heirs efficiently?
- How often do you review your 401(k)?
Financial Management Services for Apple Clients:
Our time-tested services and solutions for Apple executives and their families can help you identify and achieve your financial goals, including tax-sensitive portfolio diversification, risk management, growth and income strategies, as well as retirement and estate planning.
We have a deep understanding of Apple’s benefits plans, compensation programs, and corporate culture. Years of experience working with Apple employees have given us in-depth knowledge of company-specific issues, stock awards, tax considerations, and other factors affecting executives. Additionally, Merit has developed proprietary financial planning and asset management strategies to address these unique concerns.
We offer our Apple clients a comprehensive range of wealth management, life event planning, and investment services. Our goal is to help you create durable solutions at every stage of your financial journey—from promotions and career changes to stock management, retirement, and estate planning.
Our customized solutions for corporate clients include tax-aware diversification strategies, hedging and option strategies, aggregation services, securities-based loans, and more.
At Merit, your financial advisor is committed to providing the individual attention, due diligence, risk management discipline, tax-strategies, and professionalism you expect.