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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

Website

Areas of Focus

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

About Me

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 — to the point where we both know exactly what the other is thinking — 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’ve also passed both the Series 65 Uniform Investment Adviser Law examination as well as the CERTIFIED FINANCIAL PLANNER® examination.

Professional Designations

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

Affiliations

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

Primary Location

Denver, Colorado

Meeting Options

  • Video Conference
  • In-Person
Book Intro Call

Compensation Methods

  • Fee Only
  • Flat Fee

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 our Firm

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

✔️ What are the tax implications of selling my stock?
✔️ Will I have to pay Alternative Minimum Tax (AMT)?
✔️ Are my options QSBS eligible?
✔️ Should I early exercise via 83(b) election?
✔️ What is a bargain element?
✔️ How much cash do I need to buy my equity?
✔️ What is an appropriate level of concentration risk?
✔️ What is 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: Would you see a dermatologist for advice on your heart condition? 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 navigate their 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 help to provide visibility into your tax situation to avoid unanticipated surprises.

3️⃣ 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 and no conflicts of interest.

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 200 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.

Why the name "Presidio"?

I married the love of my life in the Presidio of San Francisco, a beautiful oasis overlooking the Golden Gate Bridge in the northwest corner of the city. We were also fortunate to live in the Presidio for two years!

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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