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A career change reshapes your income, benefits, equity, and retirement plan all at once. We help you navigate the transition without leaving value on the table.
Equity, retirement accounts, benefits, and compensation structure all get disrupted by a role change, and most of those decisions have windows that close before you've had time to think them through properly.
Post-termination exercise windows, unvested RSUs, COBRA elections, and 401(k) rollover timing all require action within tight windows. Missing them is costly and largely irreversible.
A new role often means a different mix of base salary, bonus, equity, and benefits. A financial plan built around your previous compensation isn't accurate anymore, and may be working against you.
Income gaps, benefit lapses, and the temptation to draw down savings during a transition can set back years of progress. A plan that treats the transition as its own financial phase protects against those outcomes.
Our career transition service addresses every financial dimension of a role change from the decisions that need to happen before your last day to the plan that needs to be in place for your first year in the new role.
A structured review of your current financial position and transition timeline, followed by a coordinated plan that covers every decision the change requires.
A good transition plan needs both sides on the table. We lay out your current compensation, equity, retirement accounts, and benefits next to the details of the new role. Only with both in view can the real decisions get made.
Then we find every decision with a deadline: option exercise windows, COBRA elections, 401(k) rollovers, deferred comp choices. Each goes into a sequenced plan with the dates attached, so nothing lapses while you're busy starting the new job.
We take the new package apart in full, well past the base salary. Equity vesting, bonus structure, retirement contributions, and benefits get valued over a three-to-five-year horizon and set against your current package, so you negotiate with the whole number in front of you.
Career moves tend to arrive in clusters. We keep an eye on the next one, whether it's a promotion, another change, or an equity event, so you're ready before it lands.
Have questions? We’ve got answers. Here is what people are asking. If you don’t see what you’re looking for, feel free to reach out!
Several have deadlines tied to your last day or shortly after: stock option exercise windows, COBRA election periods, 401(k) contribution timing, and deferred compensation distributions. We map every time-sensitive item before your departure date so nothing expires.
You have several options: leave it in the plan, roll it into your new employer's plan, roll it into an IRA, or in some cases take a distribution. The right answer depends on the investment options, fees, and your overall financial plan. We evaluate all options and coordinate the rollover to preserve the account's tax-advantaged status.
We analyze the full package, not just the base salary, including equity vesting schedules, bonus structure, retirement contributions, and benefits. We model the total compensation value over a three to five year horizon and compare it against your current package so you're negotiating with complete information.
Unvested equity is real value with a real cost to forfeiting it. We calculate the cost of leaving, look at any acceleration provisions in your grant agreement, and factor the timeline into your negotiation with the prospective employer. In some cases a signing bonus or accelerated grant at the new company can offset the unvested amount.