Marcel Miu, CFA®, CFP®

Your RSUs vest next month and you're not sure whether to sell or hold. You exercised options last year and the tax bill was twice what you expected. You've been meaning to figure out whether you can actually retire early, but the spreadsheet you started six months ago is still half-finished. Meanwhile, every quarter without a real plan is costing you.

That's the exact problem I built Simplify Wealth Planning to solve. I started this firm because I think financial advice should make your life simpler, not add another layer of complexity to it. That belief shaped everything about how SWP works.

Most of our clients are in tech, biotech, financial services, and consumer brands, earning $150k to $500k+ (and company stock). Some are mid-career and focused on maximizing every vest. Others are done working (or close to it) and need a drawdown plan that lasts 40+ years, handles the gap before Medicare, and turns what they've accumulated into income they won't outlive.

I have 16 years of experience in financial services, including 13 years in the investment industry at J.P. Morgan and Cohen & Steers before starting my own firm. I hold the CFA designation (the gold standard in investment management) and the CFP, so the planning and the investing don't live in separate houses.

I charge a flat annual fee that covers financial planning and investment management together. Not a percentage of your portfolio. One fee, and I handle everything: the planning, the portfolio, the rebalancing, the tax-loss harvesting. Most advisors charge a percentage of your investments (1% is common), which means your fee grows as your wealth grows, even if the advisor's work doesn't. SWP's model doesn't work that way.

If any of this sounds like your situation, we offer a free "Are You On Track" Snapshot. It's two meetings where we go through your full financial picture, model your goals, and show you where the gaps are. No cost and no obligation to become a client to get the Snapshot.

Check it out here: https://www.simplifywealthplanning.com/are-you-on-track