SPECTRA FINANCIAL ADVISORS
Who We Are
Spectra Financial Advisors was founded to serve a specific and often underserved client base: Bay Area technology professionals whose financial circumstances extend well beyond conventional planning frameworks. Restricted stock units, incentive and non-qualified stock options, and concentrated equity positions each carry distinct tax and timing considerations that require specialized expertise. Our practice is dedicated exclusively to engineers, founders, and executives at organizations such as Google, Apple, Meta, Microsoft, Salesforce, Nvidia, LinkedIn, and pre-IPO ventures.
WHY SPECTRA
Long-Term Financial Clarity
From retirement planning to legacy building, we help you see the full picture and build a plan that grows with your life and career."
Tax-Optimized Wealth Building
Minimize your tax burden while maximizing the value of your compensation. We build strategies around your specific equity and income structure.
RSU & Stock Option Planning
We specialize in the financial complexity that comes with working at a high-growth tech company. From vesting schedules to sell strategies, we handle the details.
Explore Our Solutions
Every service we offer is built for one thing: the financial complexity of tech compensation. Explore what we do below
RSU & Stock Option Planning
Vesting, tax modeling, and sell/hold strategy for RSUs, ISOs, and NSOs.
Equity Compensation Strategy
Exercise timing and liquidity event planning for founders and early employees.
Wealth Management for Tech Professionals
Diversified, tax-aware portfolios built beyond your concentrated stock.
Tax Planning & Optimization
Capital gains, California tax strategy, and Roth conversions, coordinated with your CPA.
Retirement Planning
401(k)/IRA strategy and scenario modeling for retirement or FIRE.
Our Clients
We believe every client is a valuable, long-term partner.
The client scenarios below are illustrative examples used for demonstration purposes and do not represent statements from actual clients.
The Perfect Customer Experience
“Spectra helped me understand exactly what to do with my RSUs after my company went public. I felt completely lost before — now I have a clear plan”
M. Chen
Senior Engineer, Pre-IPO
Tech Company ★★★★★
"Finally, a financial advisor who actually understands equity compensation. They walked me through every scenario before my options expired."
— J. Rodriguez,
Engineering Manager,
Bay Area ★★★★★
“As a founder, my financial situation was complicated. Spectra simplified everything and helped me think beyond the exit.”
A. Patel
Co-Founder, SaaS
Startup ★★★★★