Mountain Lake
Tools and wisdom for a bright financial future.

Specializing in Financial Planning for Employees
who receive Equity Compensation Packages.

Owl & Ore is a fee only financial planning firm. 

We act as a fiduciary to our clients, selling advice not products.

Serving the Bay Area and beyond.

Owl & Ore works with clients to help solve financial issues related to:

Incentive Stock Options

  • Creating an exercise and selling schedule

  • Qualifying dispositions

  • Private vs public ISOs

  • Alternative Minimum Taxes

Non-Qualified Stock Options

  • Exercising considerations

  • Effects on ordinary income taxes, social security taxes and medicare

  • Holding strategies after exercise

Restricted Stock Units

  • Treatment as income or a  investment

  • Private RSUs, single and double trigger events

  • 83(b) elections

Employee Stock Purchasing Plans

  • Enrollment, offering and purchase periods

  • Discount element

  • Lookback features

  • Qualifying dispositions

Stock Appreciation Rights & Phantom Stock

  • Stock appreciation vs value

  • Timing of exercise and resulting taxation creation

  • Choosing between SARs and RSUs.

Financial Planning

  • Vesting periods, income and tax planning

  • Avoiding concentrated positions

  • Financial independence planning

  • Estate planning and gifting

Owl & Ore will take on non-equity compensation cases in special instances

 

*Owl & Ore does not provide tax filing services

Sailboat

The Financial Planning Process

1

DISCOVERY MEETING

  • Discuss & prioritize your financial goals and concerns

  • Understanding of what finances mean to you
  • Learn how financial planning plays a role in reaching your goals

  • Discuss your financial goals and concerns

  • Prioritize your goals

  • Develop an understanding of what finances mean to you

  • Learn how financial planning plays a role in reaching your goals

3

sTRATEGY dEVELOPMENT

  • Discuss solutions to financial shortfalls and relevant tasks needed to reach a satisfactory result

  • Collaborate to determine the most comfortable methods to complete financial tasks

  • Determine the roles and tasks the client(s) and the advisor will take to accomplish the financial plan

  • Discuss your financial goals and concerns

  • Prioritize your goals

  • Develop an understanding of what finances mean to you

  • Learn how financial planning plays a role in reaching your goals

2

dATA

gATHERING

  • Review your financial position and  financial resources

  • Quantify your financial goals and future outlook

  • Discover areas of shortcomings and opportunities

  • Discuss your financial goals and concerns

  • Prioritize your goals

  • Develop an understanding of what finances mean to you

  • Learn how financial planning plays a role in reaching your goals

4

pLAN

iMPLEMENTATION

  • Utilize Advisor's knowledge and resources to understand options and allow for easy decision making

  • Complete financial tasks as a team to make the process simple and streamlined.

  • Regular meetings to review strategies and be proactive when making necessary changes.

  • Discuss your financial goals and concerns

  • Prioritize your goals

  • Develop an understanding of what finances mean to you

  • Learn how financial planning plays a role in reaching your goals

Simple Fee structure for services. 
Clients choose one of two methods of payment for advice.

ASSETS UNDER MANAGEMENT

Services can include having assets be managed by an advisor for a fee based on a percentage of the account balance paid directly from the account.*

*Minimum of $500,000 aggregate in assets required for management services.  Fees are negotiable.

PLANNING
FEE

In lieu of AUM fees, advisors can be retained for one year of service, paying an up front annual fee or an ongoing monthly fee.*

*Planning fees are based on clients' net worth and complexity of the case.  Fees are negotiable.

*Fees and a description of services can be found in the firm ADV Part II link below..