Retirement planning for people whose wealth is tied to their work.
Independent, fiduciary advice for tech employees, executives and business owners in Orange County and the San Francisco Bay Area. We turn stock compensation, 401(k)s and years of hard work into a retirement that holds together.
The first conversation is free, and there is no pitch. What to expect →
We don’t try to be everyone’s advisor.
Our clients tend to fall into a few groups, and the process is built around them.
Apple and Intuit employees
Vesting schedules, ESPP windows, mega-backdoor Roth options and the tax bill that comes with them. We have worked with people from first vest to retirement.
How we helpEngineers and executives with concentrated stock
When a large share of your net worth sits in one employer’s stock, you have a concentration problem and a tax opportunity. We help you manage both.
Equity compensationSmall business owners
Entity structure, a retirement plan that fits an S-corp or solo practice, and planning for the eventual sale or transition.
Tax strategiesPeople within ten years of retirement
The decade before retirement is when most of the levers get pulled: when to stop, how to draw down, and how to keep taxes from eating the plan.
Retirement planning
You work with the person who built the firm.
Lee Jones started Tangent Retirement to do one thing well: help people whose wealth is tied up in their work turn it into a retirement that holds together. He runs the firm himself, so there are no hand-offs, no call center and no product to sell. Clients work directly with Lee on every part of the plan.
- Fiduciary duty to you, in writing
- California-registered investment adviser
- Accounts custodied at Charles Schwab
- No commissions, no products to sell
- Offices in Irvine and the Bay Area
- Every fee disclosed before you pay anything
Three steps, no surprises.
A 15-minute discovery call
We talk about where you are, what you want and what keeps you up at night. You leave with a clear sense of whether we are a fit and what working together would look like. No documents needed. What to expect →
A plan you can act on
Investments, taxes, stock compensation and cash flow in one plan, stress-tested against the scenarios that could knock it off course, with the first moves spelled out and the fee agreed in writing.
Ongoing management
We manage the portfolio, coordinate with your CPA, and revisit the plan every year and at every vest, bonus, job change or market shock. You always know what is happening and why.
Run your own numbers first.
Seven calculators built around the questions our clients actually ask. They run in your browser and store nothing.
Mega Backdoor Roth Calculator
How much more could your 401(k) hold this year, on top of the limit everyone knows?
Equity compRSU Withholding Gap
Does the 22% your employer withholds on vests cover your real tax bracket?
Tax planningRoth Conversion Bracket Filler
How much can you convert this year without jumping a bracket or a Medicare tier?
Tangent Private Wealth
A family-office approach for a small number of families with complex balance sheets: comprehensive planning across every entity and trust, independent research, and one team coordinating it all.
Learn MoreNot sure if we’re a fit? Let’s find out.
A first conversation is free. Bring your questions; we’ll tell you plainly whether we can help and what it would cost.
Schedule a CallFees are transparent and fit the work: an annual asset-based fee for ongoing portfolio management, and a flat or hourly fee for financial planning. Full details are in our Form ADV Part 2A.