woman holding baby beside man smiling
boy playing soccerA woman sitting on a chair and a young boy standing in front of a white table playing with wooden blocks while a man stands nearby in a living room with several black storage boxes labeled 'HIVE BOX' around.
Woman working at desk with coffeeMan with a beard and bun hairstyle sitting at a desk working on a tablet with a laptop, keyboard, mouse, and water bottle nearby in an office setting with another person blurred in the background.
golden retriever inside car

Option A: Advice-Only Planning

Best for builders, DIYers, or getting an expert second opinion on your vesting timeline.
  • Flat Hourly/Project Rates: Pay only for pure financial planning and RSU tax blueprints, with no hidden asset strings.
  • Keep Complete Control: Keep managing your own brokerage accounts while using our clean execution blueprint to handle your shares.
  • Perfect For: Tech equity optimization, mapping out vesting schedules, tax deep dives, or an objective equity review of your money.

Option B: Full-Service Planning

Best for busy tech professionals and growing families who want the heavy lifting handled.
  • Integrated Management: Continuous portfolio design, automated tax-loss harvesting, and coordination with your tax professional.
  • Zero Asset Gatekeeping: Receive immediate financial planning, without needing to clear a multi-million dollar account balance floor first.
  • Perfect For: Automating your diversification, managing continuous vesting schedules, and coordinating long-term wealth.
Robert Lopez, CFP smiling in gray hoodie sitting cross-legged on armchair in modern office with wooden floors.
Behind Stonevale
Robert Lopez, CFP®
After a decade handling portfolios inside massive institutions like Merrill Lynch and J.P. Morgan, I saw how traditional firms treat tech professionals. They try to lock you into high-fee asset contracts before they’ll even answer a basic question about your equity.

I created Stonevale to fix that. We treat equity planning like a collaborative code review. Whether you need a one-time project to calculate your RSU tax shortfall or an ongoing partner to automate your wealth, we build strategies around real life first.
See If We're A Fit

 How do I avoid getting completely blindsided by taxes on vest day?

It’s a massive trap for high earners. By default, most tech companies automatically withhold federal taxes at a flat 22% rate when your RSUs vest. If your base salary plus vested equity pushes your household income into the 32%, 35%, or 37% tax bracket, your RSU withholding may fall short of your actual tax liability. We help you estimate your potential withholding shortfall ahead of time and adjust your quarterly estimated payments or salary withholdings so there are no scary surprises come April.

Should I sell my RSUs immediately when they vest or hold onto them?

Think of it this way: If your company handed you that exact same amount in a cash performance bonus today, would you use 100% of it to buy your company's stock? If the answer is no, it usually makes mathematical sense to sell on vest. Because you are already taxed on the market value on the day of vesting, selling immediately liquidates the shares at cost, triggering little to no extra capital gains tax. This lets you diversify right away into your broader, real-life goals.

How do I protect myself if too much of my net worth is locked up in company stock?

It is incredibly easy to end up "concentrated" when your salary, cash bonus, and equity are all tied to a single employer. If the company or the tech sector takes a hit, your entire financial foundation can crack simultaneously. As a general rule of thumb, total exposure to your employer's stock shouldn't exceed 10% of your total investable net worth. We help you build a systematic framework to gradually diversify out of company stock while keeping your lifetime capital gains tax while considering taxes and your broader financial goals.

Can I work with you just to do a quick review on my equity?

Absolutely. That is exactly what our Advice-Only track is for. You don’t have to hand over the keys to your entire portfolio or sign a lifelong management contract just to get an expert, fiduciary second opinion. We can work together strictly on a flat hourly or project basis to map out your vesting schedule, tax strategy, and cash flow. You get a clean execution blueprint, and you keep complete control.

Do I need a certain net worth or account balance to work with Stonevale?

No, none at all. When I founded Stonevale, I decided to do away with the arbitrary multi-million dollar minimums that traditional big-bank firms use to gatekeep their advice. Paper wealth, fluctuating equity values, and fast-growing tech compensation don't always fit into a legacy bank's neat little box. Whether you want a one-time project to optimize your tax strategy or an ongoing partner to handle the day-to-day heavy lifting, we scale around your life—no account floors required.