Financial Planning
Your financial future, thoughtfully secured.
Simplify your financial life, anticipate your needs, and get expert guidance on your terms.
Structure
Together, we bring clarity and structure to your financial world.
Strategize
We build a flexible planning framework tailored to your life.
Execute
We give you expert guidance.
At We Financial, we understand the complexities that come with significant assets and concentrated equity positions. Our role is to simplify your financial life, anticipate your needs, and provide expert guidance on your terms. We navigate the intricacies of wealth management, allowing you to confidently focus on your priorities.
What is Financial Planning?
make confident, informed decisions
Financial planning is the process of evaluating your current financial situation, defining your long-term goals, and creating a comprehensive strategy to achieve them. It integrates every aspect of your financial life—investments, taxes, retirement, estate planning, and cash flow—into one coherent roadmap.
For business owners with significant assets or complex financial structures like you, financial planning helps protect what you’ve built, reduce unnecessary risks, and make confident, informed decisions about your future.
Why is financial planning important?
Protect the financial world you've built
Navigating a complex financial life—one shaped by equity compensation, business ownership, and global exposure—comes with unique challenges. Concentrated stock positions increase risk. Untapped tax strategies diminish returns. Retirement and succession decisions carry long-term consequences. At We Financial, we help you make sense of it all.
Our role is to bring clarity and structure to your financial world. We help reduce uncertainty, manage risk, and turn complexity into a strategic advantage—so your decisions serve your goals, not the other way around.
Full expert guidance
When you work with We Financial, you receive:
- A full review of your current financial situation
- Scenario planning around major decisions (e.g., retirement, liquidity events, relocation)
- A clear, written roadmap aligned with your financial goals and personal priorities
- Optional implementation support and regular updates to keep your strategy on track
The WE approach: a strategy built around you
Rather than apply one-size-fits-all advice, we build a flexible planning framework tailored to your assets, goals, and life trajectory.
Our role is to bring clarity, ask the right questions, and help you structure your next steps with confidence.
We work best with clients who value:
- Deep thinking before fast decisions
- Independent advice, not product sales
- A focus on long-term goals, not day-to-day market swings
Tax Optimization
Optimize now, thank yourself later.
We help you take advantage of all available tax breaks—before tax season hits. From U.S. deductions to fiscal perks, we connect the dots so you keep more of what you earn.
Stock Options & RSU
Make the most of what you’ve earned.
Whether it’s ISOs, NSOs, or RSUs, we demystify your equity comp and design a strategy to fit your goals, risk profile, and timeline.
Responsible And Transparent Investments
Smart. Transparent. Aligned with your values.
We default to socially responsible ETFs and sustainable strategies—so you always know how your money is working and what it supports.
Retirement
Wherever you plan to retire—plan to enjoy it.
There’s no “too early” for retirement planning. We help you choose the right U.S. accounts, invest smartly, and prepare for every scenario—even if you eventually leave the U.S.
Estate Protection & Planning
Protect your legacy. Respect your wishes.
We coordinate the right experts to document your wishes, prepare for inheritance scenarios, and ensure your assets are passed on as planned.
Real Estate
Invest where it counts—here or there.
Through our trusted partner network, we help you evaluate, plan, and finance real estate projects in the U.S. Real estate is more than a roof—it’s a key piece of your portfolio.
Investment Strategy
Don’t put all your eggs in Silicon Valley.
We help you diversify across global markets, real estate, and alternatives. Whether we manage the assets or not, our advice always puts you first.
Family & Education
Plan for what—and who—matters most.
We help you protect your family’s future and plan for your children’s education in the U.S., with strategies tailored to your cross-border life.
Credit Score
Build it. Boost it. Benefit from it.
We guide you through building and improving your U.S. credit profile so you can unlock better rates, terms, and financial opportunities.
We work with GAFAM employees and perfectly understand their specific perks and benefits.
We put your interests first. Always.
No commissions. No products to sell.
Just independent advice.
FAQ
Still have questions?
We’ve got answers—and if you don’t see yours here, just book a free session below to talk financial planning.
What exactly does a financial planner do—and do I really need one?
A financial planner helps you create a comprehensive strategy for managing your money, covering areas like budgeting, investing, taxes, retirement, and estate planning. Even if you’re financially savvy, a planner can provide personalized advice, help you avoid costly mistakes, and keep you on track toward your goals. Think of it as having a GPS for your financial journey.
How much does working with a financial planner cost?
Costs can vary depending on the planner’s fee structure. Some charge a flat fee, others a percentage of assets under management, and some may bill hourly. At WE Financial, we operate on a fee-only basis, meaning we don’t earn commissions from selling products. This ensures our advice is always in your best interest.
When should I start financial planning?
It’s never too early—or too late—to start. Whether you’re beginning your career, navigating a major life change, or planning for retirement, financial planning can provide clarity and direction. Starting early allows you to take advantage of compound growth and better prepare for the future.