Empowering financial growth
Brex Employees
A liquidity event changes the questions you’re asking. Suddenly it’s not just “am I saving enough?” – it’s “what do I do with this, and how do I make it last?”
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How much of my Brex equity should I diversify, and when?
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What’s the smartest way to handle the tax hit?
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Do I have enough to retire — and at what age?
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How do I fund my kids’ education and my own retirement without compromising either?
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How aggressive should I be now that the stakes have changed?
These are the questions we help current & former Brex employees answer every day. Let’s make sure your next chapter is as intentional as the one that got you here.
Twin Peaks Wealth Advisors LLC is not affiliated with Brex or the Brex benefits department. Twin Peaks Wealth Advisors has personal financial planning relationships with multiple clients who are Brex employees.
The Brex Playbook
A Guide Built for This Moment
Between the 40/60 cash-and-stock split, the tax implications, and a concentrated COF position you didn’t choose, there’s a lot to sort through. We’ve distilled the most important considerations into a one-page guide you can read in five minutes and reference for the next ninety days.
Inside, you’ll find:
- How to deploy your cash without making irreversible decisions under pressure
- What to know about your Capital One shares before you buy, sell, or hold
- Tax and retirement moves to make before year-end
What Our Clients At Brex Say We Bring To The Table
Accountability Partner
- Take Action | Stop Procrastinating | Improve Motivation
- Set Deadlines | Make Progress
- Greater Perspective & Confidence
Maximize Opportunities By Staying in the Know
- Latest Trends and Investments
- Consider Changes in Tax Landscape
- Gain Access to Private Investments
- Minimize Risks
More Time On Your Calendar
- Focus on Your Personal Life
- We Set Meetings
- Discuss Any Changes
- Remain on Track
A Professional Process to Manage Your Finances
- Assess Current Situation
- Set Realistic Goals
- Design Custom Plan
- Account For All Considerations
Avoid Common Mistakes
- Inadequate Diversification
- Not Taking Advantage of Tax-Advantaged Accounts
- Poor Investment Choices
"Done For You" Ongoing Engagement | Wealth Management
Our most comprehensive offering with a 360 management of your finances.
- Financial Planning
- Ongoing Investment Management
- All other unique financial needs i.e. estate planning, special tax coordination, etc.
$2,000,000 minimum with TPWA
“Done With You” | A La Carte Packages
If you are requiring help on a specific area of your finances, the following flat-fee packages are right for you.
Essentials Package
Starting at $8,000-$14,000
We deliver on this engagement
in 180 days or less
Goals & Cash Flow Planning
- Outline short, intermediate, and long-term financial objectives
- 5 year cash flow and savings projection (click the link to see a video of an example)
- Assistance with major purchases (i.e. home buying help)
Investment Planning
- Develop your concentrated stock liquidation strategy
- Build a go-forward investment plan for your future savings
- Investment portfolio analysis and recommendations to asset allocation and/or target date funds
- Fidelity 401(k) Brokeragelink
Equity Compensation
- Shareworks stock plan optimization
Retirement
- Review retirement account contributions (IRA and Roth)
- Evaluate Fidelity 401(k) plan
- Retirement income forecasting and planning
Insurance & Family Planning
- Insurance planning (Life, Disability, Long-term care)
- Elect employee benefits & evaluate supplemental coverage needs
- Education and college funding
- Review custodial account contributions
Tax Planning
- Tax-return software analysis (Holistiplan report)
- Fidelity Mega Back Door Roth Contribution
- Traditional versus ROTH contribution analysis
- Roth IRA Conversion analysis
Complete Package
Starting at $15,000-$20,000
We deliver on this engagement
in 180 days or less
*Designates Unique to Complete Package
Goals & Cash Flow Planning
- Outline short, intermediate, and long-term financial objectives
- 5 year cash flow and savings projection (click the link to see a video of an example)
- Assistance with major purchases (i.e. home buying help)
Investment Planning
- Develop your concentrated stock liquidation strategy
- Build a go-forward investment plan for your future savings
- Investment portfolio analysis and recommendations to asset allocation and/or target date funds
- Fidelity 401(k) Brokeragelink
- Alternative investment strategy (private equity, non-traded real estate, private credit, venture capital, hedge funds)*
Equity Compensation
- Schwab and Fidelity stock plan optimization
- Concentrated stock strategies & liquidation (10b5-1 planning)*
Retirement
- Review retirement account contributions (IRA and Roth)
- Evaluate Fidelity 401(k) plan
- Retirement income forecasting and planning
Insurance & Family Planning
- Insurance planning (Life, Disability, Long-term care)
- Elect employee benefits & evaluate supplemental coverage needs
- Education and college funding
- Review custodial account contributions
- Estate planning review – updating documents and beneficiaries as needed*
Tax Planning
- Tax coordination meeting with your accountant*
- Tax-return software analysis (Holistiplan report)
- Fidelity Mega Back Door Roth Contribution
- Traditional versus ROTH contribution analysis
- Roth IRA Conversion analysis
- Annual gifting & charitable giving*
Insurance & Family Planning
- Insurance planning (Life, Disability, Long-term care) (click for example analysis)
- Elect employee benefits & evaluate supplemental coverage needs
- Education and college funding (click for example analysis)
- Review custodial account contributions
- Estate planning review – updating documents and beneficiaries as needed*
The First 3 Months - Complete
Please note that the below meeting structure is just an example. Meeting topics and frequency will be adjusted based on your specific situation.
Frequently Asked Questions
What’s the main difference between Essentials and Complete?
The main difference is that the Complete package provides coordinated planning with an outside tax professional throughout the year. The primary distinction between the plans is that the Complete Package offers integrated planning in collaboration with an external tax professional, along with more detailed and sophisticated investment strategies. This package particularly focuses on liquidation strategies for company insiders who are subject to material non-public information and blackout trading windows and eligible for 10b5-1 trading plans. Coordinated planning ensures that your strategy is crafted with complex financial planning and tax implications considered, providing a more holistic approach to managing your finances.
If I want one service from the Complete package, can I swap that in for a service in the Essentials package that I don’t need?
Yes, you can. Our packages are priced based on how much time we spend with you so let us know what you have in mind and we’ll tailor the engagement to fit your needs.
What is the additional fee to include my spouse?
For the Complete package, there are no extra fees to include your spouse. The flat fee of $8,000 for the Essentials package will include your whole family.
