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Tax Advisory for High-Net-Worth Individuals

Tax Advisory for High-Net-Worth Individuals in San Francisco

businessman standing inside high end officeProfessional tax preparation and planning can help you save money today and in the future. At B.O.L. Global, Inc., we offer expert tax advisory for high-net-worth individuals throughout San Francisco, Laurel Heights, and the Richmond District. You can leverage our tax policy knowledge to help you achieve immediate and long-term tax success while avoiding penalties and improper filing.

Our advisory includes tax planning and preparation for those with complex needs, such as ultra-affluent individuals, tech industry professionals, lottery winners, and company executives. Our experienced C.P.A.s will meet with you one-on-one to tailor tax services to your specific needs. We create and maintain relationships that transcend generations.

Whether you just received a large inheritance, have stock options from your employer, or own multiple rental properties, we have got you covered. Contact our San Francisco C.P.A.s today to schedule your appointment!

Call Us: (415)409-0010 Book a Consultation

Integrated Tax Planning Strategies

A good financial plan is supported by your tax strategy, driving better results across your asset base and investment portfolio. We apply tax planning strategies that target your philosophy and situation. Our expertise can also help you make the most of any available employee stock incentives.

B.O.L. Global, Inc. handles a broad range of tax situations. Whether you need simple filing, require meticulous tax services for a complex set of assets, or something in-between, our experienced C.P.A. is here to help. We help you overcome various financial obstacles by filing returns accurately and creating strategies to minimize tax liability.

Reducing Tax Impacts on ESPP (Employee Stock Purchase Plan)

confident business woman talking on her cellphoneAn employee stock purchase plan (ESPP) refers to a company-run program where participating employees can purchase company stock at a discounted price. At the purchase date, the employer uses the employee's accumulated funds to buy stock in the company on behalf of the participating employees.

If your employer has granted you ESPP incentives, it is essential to understand how your compensation plan is taxed and how you can reduce your liability. Although you cannot make the taxes related to your stock options vanish entirely, there are numerous strategies we can use to temper them. The techniques vary based on the type of grant you have received and your tax situation.

The four types of taxes that impact stock grants include:

Income Tax: Income tax is charged on your basic earned income, including wages, ordinary dividends, consulting fees, net rental income, and interest income. The rate can range from 10% to 37% based on your tax bracket.

Capital Gains Tax: This tax is triggered when you sell capital assets. It can also apply to stock held in private or public companies. If you have kept the stock for longer than a year, the sale will be subject to preferential long-term capital gains at the top tax bracket, which is 20%. However, holding the stock for less than one year is considered a short-term gain and is subject to your ordinary tax rate of up to 37%.

Alternative Minimum Tax (A.M.T.): This tax mainly applies to taxpayers with high incentive stock options (ISOs). Calculations begin with a series of modifications to your taxable income, which may include adding back tax deductions for state tax and taking into account spread income from incentive stock options (ISOs). This option often results in a higher taxable income that is then subject to the 28% A.M.T.

Net Investment Income Tax: This tax applies to taxpayers with income above certain thresholds, typically $200,000 for a single taxpayer. Net investment income tax is subject to a 3.8% tax on passive income, including any investment income.

State & Local Tax: Most tax reduction strategies involve reducing the amount of stock income subject to ordinary income tax and subjecting it to the long-term capital gains treatment. This approach often provides a potential tax improvement of approximately 17%. However, be wary of the A.M.T. since exercising ISOs could leave you paying more in A.M.T. than in ordinary income tax.

How Stock Compensation Works

Portrait of two confident business partners discussing ideasStartup companies use stock compensation to allow employees to share in business growth and profits. It involves complex laws and compliance issues. There are two main types of stock compensation: non-qualified stock options (NQSOs) and incentive stock options (ISOs). If your company is not offering stock options, it may provide restricted stock.

A non-qualified stock option (NQSO) is a stock option that does not qualify for any special favorable tax treatment under the Internal Revenue Code. NQSOs are the most common stock option often granted to employees, directors, officers, contractors, and consultants.

With this type of stock, you will pay taxes when the right to buy or sell goes into effect. When you decide to sell the shares, either immediately or after a holding period, the proceeds are taxed under the laws for capital gains and losses.

Incentive stock options (ISOs), on the other hand, qualify for special tax treatment under the Internal Revenue Code. These taxes are not subject to Social Security, withholding tax, or Medicare. However, ISOs are granted only to employees, not to contractors or consultants.

What Are Restricted Stock Units (R.S.U.s)?

Middle aged couple doing home financesA restricted stock unit (R.S.U.) is a type of compensation issued by a company to its employee in shares. The stock units are assigned a fair market value at the time they vest. Once they vest, they are considered income, and a part of the shares is withheld to settle income taxes.

The main difference between R.S.U.s and regular stock options is that they are less risky because they do not require spending money to get the stock. They are freely tradable so long as you are not subject to insider lockup rules. Any income from their vesting is reported on your regular pay stub, and all the associated income and payroll taxes are automatically withheld.

Whether you hold your R.S.U.s or sell them, you have already paid income tax on the shares. That particular part of R.S.U.s is out of your control, but we can still help you reduce your overall tax bill with strategic planning.

San Francisco Tax Advisory Services from Trusted CPAs

With expert tax planning strategies for high-net-worth individuals, we can effectively help you reduce the tax impact of your income and stock options. However, the specific approach we employ will depend mainly on your particular compensation package and your tax situation.

At B.O.L. Global, Inc., we offer complete tax planning and preparation, asset protection, risk management, investments, and more. Contact us today to schedule a consultation with our experienced C.P.A.s in San Francisco, CA!

Call Us: (415)409-0010 Book a Consultation


We are honored to receive an award as the Best Accounting firm, in SMB market, for 2018 in San Francisco by the San Francisco Award Program. It is an annual awards program honoring the achievements and accomplishments of local businesses throughout the San Francisco area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value. We also help individuals with their tax problems and tax returns

Accountants, San Francisco 2018 Award
Expertise Award 2019


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