For households $500k+
A fiduciary plan. Not a portfolio pitch. Thirty minutes. No commitment. No products sold on the first call.
Marcus Reid · Managing Partner
Is this for me?
If two of the three below describe your situation, the 30-minute call is worth your time. If none describe you, we'll send you to a planner who fits better.
Vested RSUs, post-exit liquidity, taxable accounts, IRAs, 401(k)s. We don't count primary residences. We do count concentrated single-stock positions you've been afraid to touch.
A pre-IPO grant. A business sale. A trust to set up. An inheritance just landed. A career transition that broke the spreadsheet. The plan is the deliverable — not the products underneath.
Our best clients want to know the why, not just the what. They read the engagement letter. They challenge the assumptions. The work goes better when we're both that kind of careful.
The approach
We've said no to commissions, kickbacks, and proprietary products since 2016. The structure isn't a marketing line — it's why the math works.
One flat advisory fee, billed quarterly, disclosed in writing before you sign anything. Zero commissions. Zero kickbacks. Zero revenue-share from fund companies. The number we publish is the only number you'll see.
Fee-only · the only money we make from you, comes from you.A legal obligation to act in your interest. We sign the CFP Board fiduciary oath. We publish the conflict-of-interest policy. We tell you when something we recommend has an alternative you should consider.
Fiduciary · the obligation goes one way — and it's toward you.No parent company. No quotas. No sales managers. We don't answer to Schwab, Vanguard, BlackRock, or anyone with a product to push. Custody sits at independent third parties so your money never touches our balance sheet.
Independent · the only seat at the table is yours.
The founder
Marcus spent twelve years at a major wirehouse before he stopped pretending the structure could ever sit on the client's side. He left in 2015, registered the firm with the SEC in 2016, and has run Reid Capital as a fee-only fiduciary ever since.
He holds the CFA charter and the CFP® certification. Before finance he studied applied math at Stanford and spent two years at McKinsey advising private clients on succession planning. He writes a quarterly letter that goes to clients first and the public second.
"The structure of the engagement is the work. If you get that wrong, no portfolio is going to save you."
— Marcus Reid, founder & Managing Partner
The team
No junior-handoff. Whoever you meet on the discovery call is one of the three people who will actually do the work.
Partner · CFP®
Sarah leads the planning practice. Specialty: pre-IPO RSU concentrations, 10b5-1 plans, and the choreography of selling concentrated stock over five-to-seven year windows.
Investment Lead · CFA
David runs portfolio construction. He spent eight years at Bridgewater before joining the firm in 2019. He believes in cheap broad index ownership and the surgical use of factor tilts where the evidence holds.
Planning Lead · CFP®
Elena owns the tax + estate workstreams. Background: ten years at a regional CPA firm before pivoting to advisory in 2017. She's the one who finds the seventeen percent.
Case studies
Every plan is custom. These three show the kind of decisions we work on — and the kind of outcomes we measure ourselves on.
Pre-IPO
Vested $3.2M in RSUs across two grants. Built a five-year diversification plan using 10b5-1, an exchange fund for the most concentrated tranche, and donor-advised fund timing for two charitable years.
$3.2M
RSU stack
5 yr
Diversification
$340k
Tax saved
Business sale
Structured the close into a CRT plus DAF combination, repositioned the housing footprint, and built a 25-year drawdown plan with a sequence-of-returns reserve. Preserved an additional 24% over the all-taxable baseline.
$8M
Exit proceeds
24%
Tax preserved
25 yr
Plan horizon
Generational
Inheritance of $2.4M with a 529-funded education trust for three grandchildren, a values-aligned portfolio tilt the family had been wanting for a decade, and a 30-year intergenerational plan with documented assumptions and a 10-yr review cadence.
$2.4M
Inheritance
3
Beneficiaries
30 yr
Plan horizon
Insights
Five decisions every RSU-rich household should run, in order. With the math behind each, the trade-offs we see most often, and the one trap people miss until year three.
Charitable structures look interchangeable on the slide. They're not. A working primer on CRTs, DAFs, and private foundations — and the income, timing, and control trade-offs each one buys.
The 2022 drawdown wasn't a fluke. A two-bucket plan, a sequence-of-returns reserve, and the case for accepting lower expected returns in exchange for a real ability to spend.
The discovery call
The call is exactly what it sounds like: thirty minutes for us to listen, ask the right questions, and tell you whether we're the right firm. If we are, we'll send a written next-step plan within two business days. If we're not, we'll point you to someone who fits.
No products are sold on this call. No portfolios are pitched. No engagement letter is signed.
A fiduciary plan
Thirty minutes. No commitment. No products sold on the first call. If we're not the right firm, we'll tell you on the call and recommend someone who is.