Your Adobe Benefits & Career: Financial Planning for Employees and Executives

Do you work at Adobe? Get the resources you need and expert insights from financial professionals who specialize in helping Adobe employees make the most of their compensation package and benefits.

Whether you’re a new Adobe employee or you’ve moved up the ranks into a management or executive leadership role over a multi-year career, it’s important to make smart money moves with your income and employee benefits. For example:

✅ Do you know the right moves to make to get the greatest value from the Adobe benefits available to you?

✅If you’re thinking about leaving Adobe for another job or planning to retire from the company in a few years, are you taking the right steps today to ensure you will receive all of the compensation and benefits that you’ve earned?

Get the Most Value from Your Adobe Benefits and Compensation Package

Throughout the year, Adobe provides its employees and executives with updates about their benefits ranging from health insurance and health savings plans to retirement plans like a 401(k), deferred compensation plans, and stock options. While the company offers many useful resources and access to knowledgeable staff who can assist with questions, you’ll also find financial professionals not affiliated with Adobe who specialize in helping Adobe employees make the most of their income and benefits.

Whether you work in the Adobe headquarters in San Jose, California, another office location around the country, or remotely from home, you may have questions about your compensation package and benefits better suited for a financial professional who can offer unbiased advice and guidance.

For example, sensitive topics like discussing the steps you should take before quitting your job at Adobe to work elsewhere, protecting yourself in advance of a corporate layoff, or deciding when you should plan to retire are all conversations that may be more comfortable with a trusted financial advisor.

💡 In the Q&A below, you’ll gain insights from financial advisors who work with Adobe employees to help them make smart decisions to get the most value from their compensation and benefits, reduce their money stress, and prepare for a comfortable retirement.

🙋‍♀️ Do you have questions not yet answered? Use the form below to submit questions anonymously and watch this article for updates with answers to your questions. You can also reach out to the financial advisors below to set up an introductory call or contact them with your questions by email.

💸 Smart Money Insights for Adobe Employees & Executives

This page is organized into sections to help you quickly find the information you need and get answers to your questions:

1. Q&A: Financial Planning Tips for Adobe Employees & Executives
2. Get Answers to Your Questions About Your Adobe Benefits and Career
3. Browse Related Articles

Q&A: Financial Planning Tips for Adobe Employees & Executives

Answers to Employee Questions with Sheila McGinn, CFP®

Sheila McGinn is a financial advisor based in Redwood City, California who specializes in offering financial planning services to Adobe employees. Sheila helps her clients get the most value from their Adobe benefits and compensation package so they can enjoy life and feel confident about their financial future.

Q: What makes you uniquely qualified to work with so many Adobe employees?

Sheila: I spent over 20 years working at San Francisco Bay Area software companies (including six wonderful years at Adobe), so I can relate to the challenges you’re facing. And because I work with so many current and former Adobe Employees, I am very familiar with their compensation and benefits packages.

Q: As a financial advisor with experience helping Adobe employees save for their retirement, how do you help them make the most of their employee benefits?

Sheila: Adobe has excellent employee benefits. However, Adobe employees often have demanding jobs and sometimes lack the bandwidth to fully understand the ins and outs of all of their benefits. When working with Adobe employees, we do a thorough review of compensation (salary and equity such as RSUs), retirement savings plans (401K), and other benefits such a healthcare, insurance, and optional employer stock plans.

By demonstrating how participation in these benefits can impact their long-term financial outcomes, they are able to move forward with confidence.

Q: Is there a particular benefit available to Adobe employees you feel isn’t as well utilized or understood by employees as it should be?

Sheila: Many tech companies have Employee Stock Purchase Plans (ESPP). Adobe has an ESPP program that’s head and shoulders above the rest. Many Adobe employees that I speak with aren’t aware of the unique aspects of the Adobe ESPP program and the advantages of participating fully.

At Adobe, like most tech company’s ESPP offerings, you can purchase the company stock at a 15% discount, usually twice per year. But the Adobe ESPP plan has a “lookback” provision, allowing you to lock in a lower price from up to two years prior. This often results in a discount that goes well above 15%.

A common hurdle in participating in this program is making sure you have the cash flow to afford this investment. When I discuss this opportunity with Adobe employees, they are often motivated to find a way to take advantage of this excellent employee benefit.

Q: What are some of the unique financial planning challenges you commonly see among your clients who are Adobe employees and how do you help them overcome these obstacles?

Sheila: For longtime Adobe employees, equity compensation is often a significant portion of their compensation and total net worth (which is, in many ways, a good problem to have) but it also comes with risk.

It can be overwhelming to make decisions about how and when to begin selling your employer stock. (What about taxes? What do I do with it after I sell it?)

Helping tech employees understand how to manage their employer stock is a specialty at Brightview Financial and I can confidently say that there is not a “one-size-fits-all” answer.

Your unique goals, needs, and circumstances should inform your approach to managing your employer stock compensation. To learn more about how to think about your equity compensation, download my free eBook, Optimizing your Equity Compensation.

Get to Know Sheila McGinn Financial Advisor for Adobe Employees:

View Sheila’s profile page on Wealthtender or visit her website to learn more.

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