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Retirement Planning For Bay Area Tech Professionals

If you work in the technology or software industry and are approaching retirement, your planning decisions are rarely simple. Equity compensation, concentrated stock positions, and California taxes can materially affect how and when you retire - and how much of your wealth you ultimately keep.

Tomren Wealth Management - based in San Ramon, CA and serving professionals across the East Bay, Tri-Valley (Danville, Pleasanton, Dublin, Livermore), Silicon Valley, and San Francisco - works with tech professionals who have accumulated significant savings and want a coordinated retirement strategy that connects equity compensation, taxes, and long-term income planning.

Our planning team includes professionals holding the CFP® (CERTIFIED FINANCIAL PLANNER™) and AIF® (Accredited Investment Fiduciary) and several other designations. These are advisors with specialized credentials to handle the complexity of tech compensation, California taxation, and retirement transition planning.

Why retirement planning for tech professionals is different

Why retirement planning for tech professionals is different

The goal is not just investment management - it is decision management.

Many tech employees build wealth through RSUs, stock options, and other equity programs rather than salary alone. In California, these compensation structures can create:

  • Large income spikes from vesting or option activity
  • Higher state tax exposure, since California taxes capital gains as ordinary income
  • Quietly growing concentration in company stock
  • Complexity around timing retirement or a career exit


Experience with RSUs, ISOs, and tech compensation

Experience with RSUs, ISOs, and tech compensation

We regularly help clients think through decisions involving:

  • RSUs: when to sell, how to diversify, and how vesting fits into retirement income
  • ISOs: coordinating exercise and sale decisions within a broader tax picture
  • ESPPs and other plans: integrating equity benefits into a long-term strategy

Rather than treating these as isolated transactions, we help align them with your retirement timeline and after-tax goals.

How We Help

Retirement timing and cash-flow planning

Equity compensation strategy

California-aware tax planning

Portfolio design and concentration-risk management

Retirement income planning

The result is a clearer path from working years to retirement - without pressure or one-size-fits-all advice.

A simple next step

If RSUs, stock options, or concentrated company stock are a meaningful part of your retirement picture, let's talk. We'll review your equity compensation, tax situation, and retirement timeline together. Schedule a complimentary consultation today.

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