Work with 30/40 Wealth
Who we work with
We're a fee-only fiduciary for tech employees with a lot of company equity. Most clients come to us with a big equity decision ahead: a lockup, an IPO, a tender offer or an exercise. We plan it alongside their taxes, investments and long-term goals, then stay with them for the years that follow.
- Fee-only fiduciaryNo commissions, no products
- Investing + taxesTax strategy all year. Your CPA files.
- $750M+Equity compensation advised
- NationwideBased near Charlotte, meeting by video
— Who It's For
Are we a fit?
You're likely a fit if:
- You have $2M+ in company equity, including options
- Your next big decision is coming up: an IPO or lockup, a tender offer, exercising options, selling a large position, or leaving your company
- You want ongoing help with all of it: your equity, taxes, investments and the plan that ties them together
We're probably not the right fit if:
- You want a one-time plan or hourly advice
- You'd rather keep your investments managed elsewhere
- You're earlier on, with under $1M in company equity. Our free Academy and newsletter are a better place to start.
We take on 1–2 new clients a month, so fit matters on both sides.
— Common Situations
Where clients usually are when they call
SpaceX employees & alumni
Turning a concentrated SpaceX position into a diversified one, on a selling schedule built to cut your taxes.
SpaceX IPO guide →AI lab employees
Anthropic, OpenAI and other AI companies: tender offers, concentrated private stock and a tax plan before the next liquidity event.
Equity advice for AI employees →Pre-IPO employees
Tender offers, early exercise, AMT and QSBS planning before there's any liquidity.
Pre-IPO reading list →Public-company employees
Concentrated in your company's stock? A selling schedule around vesting and blackout windows, with strategies to cut the capital gains.
Concentrated stock reading list →Getting acquired
What happens to your options and RSUs, and how to plan the payout.
Acquisition reading list →— What We Do
One plan for all of it
Exercising options changes your tax bill. Your tax bill changes what you can invest. All of it should serve your goals, so we manage it together.
Equity compensation
When to exercise, what to sell and when, and a selling schedule that works around lockups, blackouts and vesting.
Tax strategy
Ways to reduce, defer or eliminate capital gains, plus AMT, charitable and state-tax moves, planned all year. We don't file returns; we work with your CPA, who does.
Your financial plan
Home, family, career moves and financial independence, built around your equity.
Investments
Portfolios built to move you out of one stock while managing the tax hit, using tax-loss harvesting, direct indexing and long-short strategies. Accounts are held at Charles Schwab, in your name.
We work alongside your CPA and attorney.
— The 4D Tech Wealth Blueprint
How it works
Discuss
A 30-minute fit call about your equity, your timeline and whether we're right for each other.
Design
We gather your grants, statements and tax returns and model your options with real numbers.
Decide
We weigh the trade-offs with you, using our regret-minimization framework, and you choose.
Deliver
We put the plan in place: trades, exercises, tax moves and coordination with your CPA.
Optimize
Twice-yearly reviews, plus a call whenever your next decision comes up.
— Fees
What it costs
Transparent pricing designed to align our success with yours.
| Assets we manage | Annual rate |
|---|---|
| First $1.25M | 1.00% |
| $1.25M to $2.5M | 0.80% |
| $2.5M to $5M | 0.50% |
| Above $5M | 0.25% |
Minimum annual fee: $12,500. We're fee-only: paid only by you, never by commissions or products.
Calculate your fee
— Who you'll work with
Your advisor has sat in your seat
Kris Barney founded 30/40 Wealth in 2020 after 7+ years in investment banking and 8+ years inside tech, including two IPOs with ISOs, NSOs and RSUs of his own. He's a CFA charterholder and an Enrolled Agent, so tax strategy runs through every recommendation. He has advised on $750M+ in equity compensation and works with every client directly, supported by our full-time analyst.
More about Kris →— FAQ
Common questions
Are you a fiduciary?
Yes. We're a fee-only fiduciary: paid only by our clients, never by commissions or products, and required to act in your best interest.
Do you work with clients outside North Carolina?
Yes. We're based in Cornelius, North Carolina, near Charlotte, and work with clients across the country by video.
Where are my investments held?
At Charles Schwab, in accounts in your name.
Do you prepare tax returns?
No. We plan your taxes all year: when to exercise, what to sell, and how to reduce, defer or eliminate capital gains. Your CPA prepares and files your return, and we work with them directly.
How often will we meet?
Twice a year for full reviews, plus whenever a decision comes up: a lockup release, an exercise window, a job change.
What's the minimum?
Our minimum annual fee is $12,500. We're usually the best fit for people with $2M or more in company equity. Between $1M and $2M it depends on your situation, and the fit call will tell us both.
I've left SpaceX. Can you still help?
Yes. Leaving SpaceX starts a 90-day window to exercise your vested options, and you may still hold a concentrated position to sell down. We plan for both.
What happens on the fit call?
It's 30 minutes. We'll ask about your equity, your timeline and what you want help with, and explain how we work. If we're not the right fit, we'll say so.
— Next Step
Ready to see if we're a fit?
We take on 1–2 new clients a month.
Book a 30-minute fit callFree and no obligation. If we're not the right fit, we'll say so.