For HENRYs · High Earners, Not Rich Yet
Wealth Planning for High Earners (Not Rich Yet)
You're earning serious money. The next ten years decide whether that becomes serious wealth — or just serious lifestyle.
01
Capture every tax-advantaged dollar
Backdoor Roth, mega-backdoor Roth, HSA stacking, deferred comp elections, and 529 funding — small disciplines that compound into seven-figure differences.
02
Manage equity compensation deliberately
RSUs, ISOs, NSOs, ESPPs — each has its own optimal handling. We help you avoid concentration risk and unnecessary tax.
03
Build the foundation for true freedom
Cash reserves, disability and life coverage, prenups, estate documents — the unsexy work that makes the wealth-building actually safe.
What's included
- Backdoor and mega-backdoor Roth implementation
- HSA optimization and triple-tax advantage planning
- RSU vesting and tax-withholding strategy
- ISO/NSO exercise and AMT modeling
- ESPP enrollment and disqualifying-disposition analysis
- 529 plan funding for one or multiple children
- Term life and disability insurance review
- Cash reserve and emergency-fund structuring
- Estate planning baseline (wills, POAs, beneficiary audits)
Frequently Asked
Questions we often hear
HENRY stands for 'High Earner, Not Rich Yet' — typically households earning $250K–$1M+ annually who have not yet built a significant net worth. The income is real, but lifestyle inflation, taxes, and high cost-of-living regions can make it feel like the wealth never quite materializes. The good news: with disciplined planning, the HENRY decade is when generational wealth gets built.
Begin a Conversation
Schedule a private consultation at our Albany office or by video.
Schedule Consultation