
Gabriel Torres, CFP®, CRPS®, CLTC®
Explore financial expertise and personalized service at The Santa Monica Pier Group, where Gabriel and Maria, alongside their esteemed colleagues, uphold Morgan Stanley's legacy of excellence. Our dedication is to provide an unparalleled experience for ultra-high net worth families, corporate executives, and highly compensated individuals nationwide.
We deliver tailored solutions to the most complex financial challenges with our unique focus on Financial Planning combined with our expertise in Equity Compensation advice.
Our LIFE approach simplifies your journey:
Your employee stock and options can be a significant part of the wealth you've built over time to help meet the goals that matter to you. Converting that wealth to enable your dreams is often complex, and options can add another element of complexity due to their varying tax implications and vesting rules.
Your plan holdings may include options or stock-based compensation. With options, you are granted rights to purchase shares of the company stock at a pre-established price. With stock-based compensation, you are granted the company stock, subject to vesting requirements.
Concentrated positions – often acquired through an equity compensation program, built up over time or inherited – can expose your portfolio to greater volatility and higher risk. At The Santa Monica Pier Group we are available to help you review and understand the value of your equity awards. We can also explain considerations for balancing your portfolio and managing positions that may be concentrated in one stock or a group of stocks.
Understanding how your stock or option plan works is only the first step. We work with you articulate specific goals such as diversification, tax management, charitable gifting, or simply having enough cash to live on while you wait for an exit. Projecting a variety of multi-year scenarios, we help you make the best decisions you can to maximize this valuable asset.