Twin Peaks Wealth Advisors, LLC

In tech, your salary barely tells the tax story. RSUs, bonuses, and option exercises can push your combined rate above 50% — plan proactively.

Losing a spouse can trigger higher taxes, a 30-50% drop in Social Security income, and outdated beneficiary forms — most couples never plan for this.

A SLAT removes assets from your taxable estate while letting the other spouse retain access — getting ahead of estate taxes before they become a problem.

Can you stretch for a $2M home in the Bay Area? The answer depends on your equity comp, not just your salary — and a stock drop changes everything.

Sometimes a target-date fund is all you need. Complexity should match your financial situation — adding layers too early just creates friction.

Donating appreciated stock instead of cash lets you skip capital gains taxes and still get the full deduction. The charity gets the same amount — you just keep more.

Many tech 401(k) plans have a brokerage link that opens up far more investment options than the default menu — and most employees don't know it exists.

Tax planning and investment planning aren't separate — they interact every year. Where you hold an asset matters as much as what you hold.

A corporate trustee removes family dynamics from estate management — following the trust's terms professionally while treating every beneficiary equally.

Laid off in your 50s? If you've been saving for 20 years, retirement might be closer than you think. Running the numbers brings clarity either way.