For Corporate Employees & Executives

Your Compensation Package Comes With Tax Decisions That Can't Wait.

High earners at major corporations face tax situations most advisors aren't equipped to handle — equity compensation, retirement accounts, and career transitions that each carry real deadlines and real consequences.

Understand your equity compensation tax exposure before it's too late to act
Protect your 401(k) and retirement accounts from unnecessary penalties
Reduce tax exposure on RSUs, severance, and deferred compensation
Plan ahead whether you're staying, transitioning, or retiring in the next five years
Licensed CPAs and Enrolled Agents, authorized to practice before the IRS

20+ Years Per Advisor CPAs & Enrolled Agents Phoenixville, PA & Nationwide Virtual & In-Person

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Speak with a licensed CPA or Enrolled Agent within one business day.

Your information is private and never sold. A licensed professional will follow up within one business day.

What's at Stake

The Tax Traps Corporate Employees Face Most Often

These aren't hypothetical risks. They're the situations we see most — and every one is preventable with the right guidance at the right time.

10% + Tax

Early 401(k) Withdrawal Penalty

Take an early distribution before age 59½ and you'll owe income tax plus a 10% IRS penalty on the full balance. On a $200,000 account, that's $50,000+ gone unnecessarily. Legal alternatives exist — but only if you act before the window closes.

37%

RSU & Equity Tax Exposure

RSUs vest as ordinary income — taxable at your top marginal rate, even if you haven't sold a single share. For high earners, accelerated vesting events can trigger a six-figure surprise tax bill. Timing and sequencing are everything.

22–37%

Severance Stacked Into the Wrong Year

When severance, accrued PTO, final paycheck, and vested equity land in the same calendar year, it can push you into the highest federal bracket. Strategic timing — executed before year-end — can dramatically change the outcome.

20% vs 37%

NUA Strategy Most Advisors Miss

If you hold company stock inside your 401(k), Net Unrealized Appreciation rules may allow you to pay long-term capital gains rates instead of ordinary income rates on the appreciation. Most advisors never raise this strategy.

Missed Roth Conversion Window

A career transition year is often the lowest-income year of a high earner's life — making it the ideal moment to execute a Roth conversion at a permanently reduced tax rate. This window closes December 31 of that year.

60 Days

Rollover Deadline

You have exactly 60 days from the date of a retirement account distribution to roll it over penalty-free. Once that window closes, the full balance becomes taxable. If a distribution has already been initiated, the clock is already running.

Our Services

Comprehensive Tax Services for Corporate Employees & Executives

We provide both the tax expertise of Phoenix Tax Consultants and the financial planning depth of Bala Financial Group — so nothing falls through the cracks.

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401(k) & Retirement Account Strategy

We analyze your retirement accounts and personal situation to determine whether to roll over to an IRA, leave in place, take structured distributions, or execute an NUA strategy. We handle the paperwork and ensure zero unnecessary taxable events.

NUA Strategy · Roth Conversion · RMD Planning

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RSU, ESPP & Equity Tax Planning

Equity compensation is complex. We analyze your vested shares, ISOs, NQSOs, and ESPP holdings — including cost basis and holding periods — to minimize your tax exposure and help you decide what to hold, sell, or diversify.

RSU Basis · AMT Planning · Capital Gains Timing

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Severance & Cash Flow Planning

We review your severance package, unemployment options, and monthly expenses to build a financial bridge while your next chapter takes shape. Understanding timing and tax impact of each income source prevents costly mistakes under pressure.

Severance Optimization · Unemployment · Budgeting

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Tax Preparation & IRS Representation

Our Enrolled Agents and CPAs are licensed to practice before the IRS. Whether you face an audit, a complex return with equity compensation, or multi-state filing requirements, we handle it — including direct IRS representation if needed.

EA/CPA · IRS Representation · Multi-State

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Retirement Readiness Review

If retirement is 5–15 years away, a career change may accelerate your timeline — or require recalibration. We assess whether your current savings, Social Security strategy, and investment allocation support your target retirement date.

Retirement Income · Social Security · Projections

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Ongoing Tax Planning & Strategy

The decisions you make in the first year of a major transition set the trajectory for the next decade. We build an ongoing tax reduction strategy — IRA contributions, HSA optimization, charitable giving, and investment harvesting — that works year after year.

IRA · HSA · Tax-Loss Harvesting · Gifting

How It Works

A Simple, Clear Process

No jargon, no pressure. Just expert guidance tailored to your situation.

Discovery Call (15 Min)

Tell us your situation — what accounts you have, what decisions you're facing, and your timeline. We'll identify the most urgent items right away.

Comprehensive Review

We analyze your 401(k), equity compensation, income picture, and upcoming financial decisions — integrating tax strategy and financial planning in a single coordinated review.

Your Action Plan

You leave with clear next steps and a professional in your corner. We handle filings, rollovers, and IRS communication on your behalf — no confusion, no guesswork.

Why Phoenix Tax Consultants

Trusted by High Earners Across the Philadelphia Region and Nationwide

20+

Years of experience per licensed advisor

1,000s

Tax returns filed for executives & professionals

EA + CPA

Licensed to practice before the IRS

CFP®

Certified Financial Planner on the advisory team

Headquartered at 300 Bridge Street, Phoenixville, PA — serving the greater Philadelphia metro and clients nationwide, in-person, virtually, or by mail.

Common Questions

Frequently Asked Questions

What happens to my 401(k) if I leave my employer?

Your balance stays in place unless you take action. You generally have 60 days from a distribution to roll it over penalty-free. We help you evaluate all options — rollover, leave in place, or structured distribution — based on your specific situation.

Are my RSUs taxable when they vest?

Yes. RSUs are treated as ordinary income in the year they vest — even if you don't sell the shares. Any accelerated vesting can create a significant tax event that requires planning, especially when combined with other income in the same year.

Should I roll my 401(k) into a traditional IRA or a Roth IRA?

It depends on your current income, expected future tax rates, and retirement timeline. A Roth conversion during a lower-income year can lock in reduced tax rates permanently — but it requires careful analysis of your full financial picture.

What is Net Unrealized Appreciation (NUA) and does it apply to me?

If you hold employer stock inside your 401(k), NUA rules may allow you to pay long-term capital gains rates on the appreciation instead of ordinary income rates. This can be a significant tax saver — but it must be structured correctly and within specific windows.

Do you handle both tax filing and financial planning?

Yes. Through our integrated work with Phoenix Tax Consultants (EA/CPA) and Bala Financial Group (CFP®), we address both your immediate tax obligations and your long-term financial strategy in one coordinated engagement.

What should I bring to my first consultation?

Your most recent retirement account statement, last two years of tax returns, information on any equity compensation, and a rough sense of your upcoming income and expenses. We'll guide you through the rest from there.