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Josh Radman

Tax-Efficient Financial Planning for Millennials with Equity Compensation

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Presidio Advisors Josh Radman
Denver, CO

Serving Clients Nationwide

Tax-Efficient Financial Planning for Millennials with Equity Compensation

5 Certified Advisor Reviews™
5 out of 5 Stars
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Website

Areas of Focus

  • Buying a House
  • Compensation Planning
  • Employee Stock Options
  • Equity Compensation Options
  • Financial Life Planning
  • Investment Management
  • Taxes

About Josh Radman

I transitioned into financial planning from tech where I, too, had various types of equity grants. And, honestly, it was exciting to have ownership stakes in these companies.

But that excitement quickly faded into confusion and frustration when I couldn’t find anyone to help me *strategize* on my options and shares. It’s one thing to know that Alternative Minimum Tax exists – it’s another to actually develop a holistic plan around it.

Since then, I’ve dedicated my career to helping others gain clarity and confidence around their equity compensation and path to financial independence. Developing deep, long-lasting relationships with my clients is what gets me up in the morning and is the reason I started Presidio Advisors.

I’m based in Denver, CO and serve clients virtually across the U.S.

My Credentials

I graduated from the University of Southern California, summa cum laude, with a Bachelor of Science in Business Administration and from Harvard Business School with a Master of Business Administration.

I’m also an Enrolled Agent, which is the highest credential awarded by the IRS, and which allows me to prepare tax returns and represent taxpayers before the IRS.

Finally, I’ve also passed the CERTIFIED FINANCIAL PLANNER® examination.

Professional Designations

  • Candidate for CFP® certification
  • Enrolled Agent (EA)
  • Master of Business Administration (MBA)

Affiliations

  • Fee Only Network
  • Measure Twice Planners
  • XY Planning Network

Primary Location

Denver, Colorado

Meeting Options

  • Video Conference
Book Intro Call

Compensation Methods

  • Fee Only
  • Flat Fee
  • One-time Financial Plan

What to expect in the first meeting

My preferred first contact is via email. Click the 'Contact Me' button to send me an email through Wealthtender, or the 'Book Intro Call' button to view my email address. If you believe that my services fit your values and needs, please send me a note and I’ll respond back with my calendar link. From there, you’ll be able to set up a free 30-minute introductory call to determine if we’d be good partners.

Offers Investment Management

Yes

About Presidio Advisors

Presidio Advisors helps Millennials plan for and answer questions pertaining to equity compensation, such as:

✔️ What do I need to consider for the upcoming tender?
✔️ Will I have to pay Alternative Minimum Tax (AMT)?
✔️ Will my shares qualify for QSBS eligibility?
✔️ Should I early exercise via 83(b) election?
✔️ How many shares should I sell or hold?
✔️ Which tranches should I sell first?
✔️ How should I negotiate my equity package?
✔️ How do I ensure a qualifying disposition?

Equity comp is confusing. Tax optimization is complex. You deserve an advisor who gives you confidence and clarity around your equity-specific planning needs and questions.

How Presidio Advisors is Different

1️⃣ An expert in equity compensation: If you had a heart condition, would you rather see a general practitioner or a cardiologist? Specialists – in both medicine and finance – have deep expertise in unique arenas, helping to improve outcomes while preventing sub-optimal decisions. My expertise is in helping Millennials strategize around equity comp.

2️⃣ Holistic tax forecasting included: Wealth advisors at large firms will manage your assets – but typically shy away from any tax projections. I provide visibility into your tax situation to help avoid unanticipated surprises.

3️⃣ Flat fee. No % charge for “assets under management”: Most advisors charge a percentage of “assets under management” (AUM) based on the size of your portfolio. Typically, that percentage is anywhere from 0.7% to 1.5% in addition to an annual fee. Instead, I charge one flat rate. No surprises.

4️⃣ Foundational estate document preparation included*: Your flat, annual fee includes access to online platforms to aide you in the initial creation of foundational estate planning documents (such as wills; revocable trusts). *See ADV for details; for qualifying clients only.

5️⃣ A completely independent fiduciary: I have no affiliation with – nor receive compensation from – any banks, brokerages, insurance companies, or other third-parties that may exert pressure or otherwise try to influence my recommendations. I am legally obligated to put your interests before those of my own.

6️⃣ You always get me: With big advisory firms, you may be one of 250 clients assigned to a particular advisor. And that advisor might not always be on the other end of the line. Presidio Advisors is small and intimate by design. You always get me. And we pick up right where we left off.

Education

University of Southern California, summa cum laude, Bachelor of Science in Business Administration | Harvard Business School, Master of Business Administration

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Who We Serve

  • Corporate Executives
  • Entrepreneurs
  • Gen Y / Millennials
  • Technology Professionals
  • Young Families

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

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We're set for the future

✅ Wealthtender Certified Advisor Review™
Apr 3, 2025
Josh is an excellent advisor. Now that my husband and I have been working with him, I finally feel confident in knowing where all our money is and that it's being allocated appropriately to meet our goals. This was especially helpful after we got married and combined our finances. No question is too small for Josh. He's happy to weigh in on all kinds of things like car loan rates, how to prioritize risk, and "can you remind where to go to transfer my old 401k again". He jumps in to help and is great at keeping us organized!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Lauren Dowell
Lauren Dowell

Personalized attention and peace of mind

✅ Wealthtender Certified Advisor Review™
Apr 3, 2025
Josh has been a huge benefit to my wife and me. He was very thorough in seeking to understand our priorities and our future goals before he started making recommendations. He's also very good at communicating complex financial concepts and strategies to our level, never making us feel like we're asking a dumb question. With Josh, I never feel like "just another client" and he's been incredibly generous with his time, giving us confidence and peace of mind in our financial future.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Carlos Lopez
Carlos Lopez

Consultative Financial Planning that is Comprehensive and Eye Opening

✅ Wealthtender Certified Advisor Review™
Mar 26, 2025
Josh recently reached out to collaborate with both of us on financial planning, helping us maximize our current finances - such as consolidating stock and investment portfolios - and advising on the best strategies for allocating money in a high-yield savings account (HYSA) for short-term goals versus investing in the market for long-term growth. He has also guided us in preparing for future milestones, including buying a car, paying off our mortgage early, and planning for child-related expenses from birth through college. One of our most notable experiences with Josh was his ability to connect us with an independent insurance consultant for our home insurance. Thanks to his recommendation, we increased our personal liability coverage by 160%, added extended replacement cost coverage of 50%, and raised our deductibles by over 300%. Not only do we feel much more secure with this enhanced coverage, but we were also pleasantly surprised that it actually lowered our total annual premium by about $70! Josh is highly regarded in our household, and we look forward to seeing him help many other clients just as he has helped us.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Julia Forrest
Julia Forrest

Incredibly hands on

✅ Wealthtender Certified Advisor Review™
Mar 17, 2025
Josh makes me feel like I'm his only client. He is smart, fast, and always available to support me - whether it's a simple question, or a much more elaborate request. He holds me accountable to follow through on important action items I owe him, and most of all, he makes me feel confident that my financial future is secure and optimized.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Aviv
Aviv

Extremely knowledgable, thoughtful, and reliable

✅ Wealthtender Certified Advisor Review™
Mar 14, 2025
Josh is truly exceptional. He has an incredible breadth of knowledge around financial planning, and is thoughtful, smart, and kind. Josh has taken the time to understand our specific goals, needs, and risk tolerance, and has tailored his approach based on this information. He's also highly skilled at breaking down complex concepts and presenting them in ways that are easy to understand. Josh is extremely reliable (always follows up as needed) and responsive to any questions that pop up. We so value his advice and trust him completely to make recommendations that our in our best financial interest. We couldn't recommend Josh more!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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