Circuit Wealth

Turn Your Tech Wins into Enduring Wealth

Tailored Financial Planning for Tech Professionals

Are you squeezing every bit of value from your stock comp? As a tech pro, your RSUs, ISOs, and ESPPs are more than perks—they’re your wealth-building engine. You need a partner who gets the nuances of tech finance, from navigating AMT to diversifying post-IPO. We’re here to debug your financial stack, optimize your equity, and code a plan that scales your success into lasting freedom. Let’s build your future, bit by bit.

Professional Navigation of Tech Compensation

Your equity compensation is more than just numbers on a screen. Tech professionals need solutions as innovative as the products they build. We provide:

Strategic planning for RSUs, ISOs, NQSOs, and ESPPs

Custom diversification strategies for concentrated stock positions

Integrated tax planning

Clear accountability frameworks for achieving financial goals

Beyond Traditional Financial Planning

Our approach bridges the gap between technical expertise and financial planning.

We speak your language, understanding both the complexities of tech industry compensation and the nuances of wealth building. This unique perspective allows us to integrate your equity compensation seamlessly into a comprehensive financial strategy.

Unlike generic financial advice, we focus on proactive tax optimization and practical implementation. Every strategy comes with clear action steps, regular check-ins, and adjustments based on your changing needs and market conditions.

This hands-on approach ensures your financial plan evolves alongside your career growth.

Why Tech Professionals Choose Us

Meet Simranjot (Sim) Bachal, CFA, CFP®, MBA – your dedicated financial strategist who combines deep technical expertise with practical solutions.

Sim is a highly skilled financial professional passionate about helping individuals solve their most complex financial challenges.

As a Chartered Financial Analyst (CFA) and Certified Financial Planner™ (CFP®) with an MBA, Sim specializes in empowering tech professionals by creating comprehensive financial solutions. His expertise includes equity compensation planning, diversifying concentrated stock positions, integrated tax planning and preparation, and serving as a trusted accountability partner for achieving financial goals.

Sim understands the unique financial opportunities and challenges faced by tech professionals, particularly those navigating Incentive Stock Options (ISOs), Restricted Stock Units (RSUs), Non-Qualified Stock Options (NQSOs), and Employee Stock Purchase Plans (ESPPs). He provides tailored strategies to help his clients make informed decisions, reduce risk, and build a sustainable path toward financial independence, all while seamlessly integrating tax considerations into their financial plans.

Sim is a devoted husband to his wife, Jessica, and a proud father of two young daughters ages 4 and 2. He makes it a priority to stay fit and energized, whether at the gym, on his Peloton, swimming, or enjoying a walk outdoors.

Sim is committed to helping tech professionals align their financial strategies with their personal and professional aspirations, ensuring they can focus on what they do best while building a secure future.

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