When your career changes,
financial decisions pile up fast
Why career transitions create financial risk
Severance, bonuses, and equity payouts can stack in a single year
Exercise windows, vest acceleration, and forfeitures force decisions on a deadline
Healthcare, retirement matching, ESPPs, and insurance often end sooner than expected
The same move made weeks earlier or later can change outcomes materially
How Titan supports career transitions
Map decisions before deadlines force them
Career transitions compress decisions that usually play out over years into weeks.
We model severance, bonuses, vesting schedules, and exercise windows together so you understand what matters now and what can wait.
Coordinate equity, income, and benefits
Equity, cash, and benefits change at the same time but most people evaluate them separately.
We look at RSUs, options, severance, healthcare, retirement accounts, and cash as one system, so decisions are made in context.
Make tax-aware moves during the transition year
Transition years are often peak tax years.
We help plan around ordinary income, capital gains, AMT exposure, and timing across tax years, so decisions aren’t driven by surprises or missed opportunities.
Avoid reactive decisions under pressure
Layoffs happen quickly. New offers come with deadlines. Life keeps moving.
Having a plan helps prevent rushed exercises, unnecessary tax bills, or decisions that quietly limit future flexibility.
What this looks like in practice
Equity Transition Planning
We help you understand what happens to your equity when your role changes and what decisions matter most.
Tax Optimization
We model income shifts, exercise timing, and tax elections across short planning windows.
Cash Flow Planning
We help you plan liquidity, spending, and runway during periods of uncertainty.
Ongoing Advisory
We remain involved as timelines, offers, or circumstances evolve.
Plan your career transition before deadlines hit
Jack Sullivan, Director of Wealth Advisory
"Career transitions compress years of financial decisions into weeks. Equity, income, benefits, and taxes all change at once. We help clients step back, understand what actually matters now, and make decisions with context instead of urgency. The goal is clarity, not rushed moves that limit future flexibility."
FAQs
Why should I trust Titan with major financial decisions?
We're a fiduciary, meaning we're legally obligated to act in your best interest. We're deeply independent - we're not owned by a large financial institution and our advisors aren't paid on product sales - and transparency is a core tenet of our mission.
Who will I actually be working with?
You'll work with experienced advisors who specialize in high-stakes financial moments - many come from top-tier wealth management firms and have guided clients through hundreds of transitions. You're not handed off to junior staff; you get senior expertise from day one.
What does "fiduciary" mean, and how does it protect me?
It means we're legally required to put your interests ahead of our own in every decision we make. Unlike brokers or commission-based advisors, we can't recommend products because they benefit us - our recommendations must be in your best interest.
How does Titan's fee structure work, and why is it different?
We charge a transparent 0.4% advisory fee on assets under management, with no commissions or product sales. This aligns our incentives with yours - we do well when you do well, and we're not incentivized to recommend products that benefit us over you.
How do you stay current on changing tax laws and market conditions?