SFG Wealth Planning Services, Inc. | SFG Wealth Planning Services, Inc.

What’s Keeping This Executive up at Night?

With a PhD in Engineering, the seasoned systems engineer brought his wife, Deena, her father and his mother from India on an H1B visa ten years ago with his employer in...

Aging Parents, Kids in College; Change of Plans

SFG clients Jill and Arshad never thought the term, “sandwich generation” would fit their situation. For years, they had lived off Jill’s corporate salary as an HR benefits...

Too Big to Fail? Complexity of Long-Term Incentive Comp Changes the Picture

Victor* was ever the smartest kid in his class, even after his family immigrated to the US for his sophomore year. Bilingual, a whiz in math and keen to invest in the stock...

Starting Over: Rebuilding the Financial Bedrock After Loss

Francisco, 52, vice president of operations for a biotech company, is starting over. He never sought the divorce and didn’t see it coming. He’s been working...

When an 83(b) Election Converts a Windfall to Capital Gains

William* never set out to make $1 million, but the value of his Restricted Stock Awards (RSAs) reached that threshold last Thursday, shortly after the technology firm...

PSUs and Insider Rules Confound Executive in New Role

Valeria “Val”, 43, a rising sales leader for a west coast IT company, was named president last year. She’s been a high company performer for years and...

Accelerated Vesting Could Offset Uncertainty in a Merger

When company ownership is in play, all assumptions are on the table as to the company’s future and the executive’s own employment. Marcus wondered if his...

Executive Shouldn’t Go It Alone When Their Company Goes Public

The medical director for a fast-growing private medical device company, Josh, 45*, has been handling his own investments for years. His $400,000 in investments...

Saving up and Taking Stock for the Younger Generation

Allison is a young dynamo who has been putting her computer-science degree to work as a programmer. At age 27, she has the opportunity to join a newly public technology...

College Funds in Place: What to Tap First?

Peter and Jodi, a two-career couple, adopted a girl from Guatemala nine years ago. Anna has embraced school work and is an outstanding student. Her college counselor...

Making the Most of Lifetime Gifts for the Next Generation

As Beverly nears her 60th birthday and the vesting of her performance awards, she plans to meet with her estate planning attorney to get her affairs in order. She...

Using Stock Options to Meet College Costs

Sid is considering using nonqualified stock options (NQSOs) to fund Aaron’s college costs. He has 2,000 shares that are exercisable at $50 per share. To exercise...

Stock Options