We Help Protect and Grow Your Wealth
Many tech professionals achieve significant wealth, only to face the risk of losing it due to complex financial decisions. From managing equity compensation and timing liquidity events to deciding whether to exercise ISOs or when to hold or sell, these choices require expert guidance to secure your financial future.
At Circuit Wealth, we specialize in guiding tech professionals through these critical decisions. Our clear, jargon-free approach simplifies the complexities of wealth management, ensuring your assets are protected and aligned with your goals. Whether you’re planning for retirement, navigating a liquidity event, or optimizing your portfolio, we provide tailored strategies to maintain and grow your wealth—without the stress or uncertainty.
Questions our clients ask
– “My company’s going public—help, what now?”
– “I got a 48-hour deadline to decide on a liquidity event for my private company’s stock—uh, what?”
– “My stock options are expiring, like, tomorrow?!”
– “We’re getting acquired—what happens to my unvested RSUs and options?”
– “I got laid off—now what do I do with my ISOs?”
– “Most of my net worth is tied up in my company’s stock—yikes, now what?”
– “My pre-IPO options are underwater—do I exercise or just let them die?”
– “My company’s stock is mooning—should I sell now or hold for long-term gains?”
At Circuit Wealth, we understand the high-stakes financial challenges tech professionals face—navigating company IPOs, making snap decisions on liquidity events, or untangling the tax complexities of RSUs and ISOs. As your fiduciary partner, we deliver clear, actionable strategies in plain language to master equity compensation, optimize taxes, and diversify your wealth.
We craft personalized plans to secure your financial future, whether you’re aiming for a new home, early retirement, launching your own startup, or simply maximizing what you’ve got. From IPOs to layoffs, we tackle these challenges and more, ensuring your financial life runs as smoothly as a well-optimized algorithm.
Ready to get started
We can help with:
- Calculate Alternative Minimum Tax (AMT) and plan for related expenses
- Identify missed tax credits on prior tax returns
- Leverage Qualified Small Business Stock (Section 1202) for zero-tax capital gains
- Plan Roth conversions
- Develop exercising strategies for stock options
- Plan multi-year exercise and sale strategies
- Understand grants and vesting schedules
- Navigate liquidity events
- Prepare for an IPO
- Diversify out of concentrated stock positions
- Review asset allocation and portfolios
- Conduct investment analysis and management
- Review contribution, allocation, and distribution strategies for employer-sponsored plans
- Manage cash flow and budgeting
- Plan for major purchases
- Assess and manage credit and debt
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- Plan for financial independence and retirement
- Optimize pension and Social Security benefits
- Develop wealth accumulation, distribution, and transfer strategies
- Review estate planning documents and beneficiaries
- Facilitate estate settlement
- Plan for philanthropy
- Educate and support dependents, beneficiaries, successor trustees, and personal representatives
- Review and plan risk management and insurance
- Provide privacy, identity theft, and asset protection consultation
- Consult on real estate transactions
- Plan for education expenses
- Support healthcare and long-term care planning
- Organize personal and financial information, including electronic conversion and storage
- Set and plan financial goals
- Coordinate with other professionals, offering referrals and second opinions
Our Process
01
See If We’re the Right Fit
We start with a no-pressure meeting to understand your goals, challenges, and financial situation. This helps us confirm if we’re the right partners to guide you toward financial success.
02
Discover and Onboard
We dive deeper into your finances, gathering key details like income, assets, and aspirations. Our seamless onboarding process ensures you’re set up for a personalized planning experience.
03
Craft Your Plan
Over 3–4 collaborative meetings, we build a tailored financial plan, addressing retirement, investments, taxes, or other priorities, designed to achieve your unique goals.
04
Implement and Review
We put your plan into action and monitor progress with quarterly check-ins, adjusting as needed to keep you on track amid life changes or market shifts.
OUR FEES
As a fiduciary advisor, we charge asset management fees or financial planning fees. We do not receive or accept commissions.
Asset Management Fees
BLENDED TIER FEE
ASSETS UNDER MANAGEMENT
1.00%
$0 - $1,000,000
0.75%
$1,000,000 - $2,000,000
0.60%
$2,000,000 and above
Sim Bachal, CFA, CFP®, MBA
Financial Planner for Tech Professionals
Simranjot (Sim) Bachal is a CFA and CFP® professional who brings his deep financial expertise to the tech industry. With the addition of an MBA, he specializes in helping tech professionals navigate their unique financial challenges, particularly in areas of equity compensation like ISOs, RSUs, NQSOs, and ESPPs. His comprehensive approach combines stock position diversification strategies with integrated tax planning, helping clients build a clear path to financial independence.
Beyond his professional credentials, Sim maintains an active lifestyle as a devoted family man. He prioritizes fitness through various activities including gym workouts, Peloton sessions, swimming, and outdoor walks, while balancing his role as a husband to Jessica and father to two young daughters. This personal commitment to balance and well-being reflects in his approach to financial planning, where he helps clients align their financial strategies with both their professional ambitions and personal aspirations.
