Equity Compensation, Made Clear
RSUs, ESPPs, and ESOPs are some of the most valuable — and most confusing — parts of your pay. We help employees and executives across Dallas–Fort Worth turn equity into lasting wealth, without the guesswork.
Your equity could be your biggest financial opportunity — or your biggest blind spot.
Most people with equity compensation are making six-figure decisions with no clear framework: When do I sell? How much tax will I owe? Am I dangerously concentrated in my employer's stock? What's the smartest way to use my ESPP? These aren't questions to guess on — and most general advisors don't specialize in them. We do.
What We Help With
RSUs
Restricted Stock Units
Vesting strategy, the tax impact at vesting, sell-to-cover decisions, and a plan for diversifying concentrated positions.
ESPPs
Employee Stock Purchase Plans
Whether to participate, how much, lookback and discount optimization, and the holding-period tradeoffs that affect your tax bill.
ESOPs
Employee Stock Ownership Plans
Understanding your account, distribution and diversification rules, and coordinating your ESOP with the rest of your retirement picture.
Concentration & Tax Planning
Managing employer-stock risk
How much employer stock is too much, tax-aware selling strategies, and coordinating equity events with your broader financial plan.
A specialist, not a generalist.
Equity compensation sits at the intersection of investing, taxes, and timing — and it rewards expertise. As a fee-only fiduciary, we're paid only by you, never by commissions, so our only incentive is getting your equity strategy right. And because we lead with planning, we look at your equity in the context of your whole life — not as an isolated transaction.
Let's make your equity work for you.
Whether your shares are vesting soon or you're sitting on a concentrated position you're not sure what to do with, a conversation is the place to start.
Cardinal Wealth Management LLC is a fee-only registered investment adviser. We do not provide tax or legal advice; we coordinate with your CPA and attorney. This page is for informational purposes only.