Fixed salary
- When it's taxed
- Every month, at your slab rate.
- Common mistake
- Sticking with the default salary structure and tax regime.
- What we plan
- Regime choice, employer NPS, HRA and CTC restructuring.
For CXOs, VPs, Directors & Senior Leaders
Your career got promoted. Has your wealth plan?
Expert planning for your ESOPs
Questions? Call us+91-9699 800 600
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From ESOP exercise and RSU vests to your 30%+ tax slab and scattered investments, get a clear plan in a free 15-minute call with a SEBI-registered advisor.
- Zero commissions
- ESOP & RSU specialists
- 15 min, fully virtual
₹5,000 Cr+
Assets under tracking
2 Lakh+
Individuals advised
4.9
Client rating
10+ yrs
Advisory experience
Your CTC, decoded
Your pay has four layers. Each is taxed differently.
Most senior professionals plan only the first one. The real money, and the costliest mistakes, sit in the other three.
Fixed salary
Bonus
RSUs
ESOPs
Illustrative split of a senior professional's annual compensation.
Annual bonus
- When it's taxed
- When paid, at your slab plus surcharge.
- Common mistake
- Letting it sit idle or vanish into lifestyle upgrades.
- What we plan
- Deploying it into goals the week it lands.
RSUs
- When it's taxed
- As salary when they vest, then capital gains when sold.
- Common mistake
- Holding every vest and missing foreign-asset disclosure.
- What we plan
- Sell-or-hold rules, diversification and ITR reporting.
ESOPs
- When it's taxed
- As salary on the gain when you exercise, then capital gains on sale.
- Common mistake
- Exercising without cash set aside for tax, or losing options when switching jobs.
- What we plan
- Exercise timing, funding the tax, buybacks and exit events.
Plan all four layers together →
Free 15-min call with a SEBI-registered advisor
Sound familiar?
You manage a P&L at work. Your own finances run on autopilot.
Senior roles bring complex money. These are the six gaps we see most often in leaders at large corporates and MNCs.
ESOPs & RSUs tied to one company
Every vest and every grant adds to your employer's stock. Your salary, bonus and net worth now ride on a single company.
Paying the top slab, plus surcharge
Old vs new regime, employer NPS, HRA, capital gains on vesting and sale. Small choices here move lakhs every year.
Foreign shares, foreign rules
US-listed RSUs must be disclosed in Schedule FA of your ITR. Missing it can attract steep penalties under Indian law.
15 funds, zero strategy
Funds picked from colleagues' tips and bank RMs over the years, overlapping each other and costing you in hidden commissions.
Protected only by group cover
Corporate health and term cover ends the day you switch jobs, take a sabbatical or retire. Most leaders are under-insured on their own.
Big goals, no timeline
An Ivy League or UK degree for your child, a second home, retiring at 50. Each needs a number and a date, not a hope.
Fix these in a free 15-min call →
Recognised 2 or more? That's exactly what the session is for.
One advisor. Your whole balance sheet.
Built for the way senior professionals earn.
Salary, bonus, RSUs, ESOPs, PF and NPS, all planned together, not in silos.
ESOP & RSU planning
ESOP exercise timing and funding the tax, buybacks and exit events, RSU sell-or-hold rules, and diversifying out of employer stock.
Tax optimisation
Regime choice, restructuring your CTC, employer NPS, capital-gains harvesting and foreign-asset reporting, done right.
Portfolio restructuring
Consolidate overlapping funds, move to direct plans, and set an asset allocation matched to your goals and risk.
Risk & insurance audit
Independent term and health cover sized to your income and liabilities, so your family isn't tied to your employer's policy.
Goal-based planning
Overseas education, a home upgrade, a sabbatical. Each goal gets a target corpus, a timeline and a dedicated SIP.
Retire on your terms
Know your financial-independence number and the exact year you can step away from corporate life, by choice.
Get my personalised plan →
Complimentary · Virtual · No obligation
30-second ESOP & RSU check
How much of your wealth rides on your employer?
If your employer has a bad year, you could lose your bonus, the value of your ESOPs and RSUs, and a big chunk of your net worth at the same time. Slide to see where you stand.
Get a diversification plan →Concentration in one stock
30%
0%10%25%100%
A large share of your wealth depends on one company that also pays your salary. This is worth discussing with an advisor.
Illustrative only. Not investment advice. Many planners treat 10–15% in a single stock as a common ceiling; your right level depends on your goals.
Fits between two meetings
From scattered to strategic in 3 steps
1
Book a 15-min call
Pick a slot that suits you. It's virtual and complimentary, with no obligation.
2
Map your full picture
Salary structure, RSUs, investments, loans and goals, reviewed by a certified advisor.
3
Get your roadmap
Clear, prioritised actions on tax, investments and protection, with reviews as life changes.
Why Fintoo
Advice that's on your side of the table.
As a SEBI-registered Investment Adviser, we're paid by you, not by the products we recommend.
| Fintoo (SEBI RIA) | Bank RM / Distributor | Doing it yourself | |
|---|---|---|---|
| How they're paid | Transparent advisory fee | Commissions on products sold | Free, but costs your time |
| ESOP / RSU strategy | ✓ Integrated into plan | Rarely covered | Trial and error |
| Tax planning | ✓ Planned with investments | Product-led (ELSS, ULIPs) | Last-minute in March |
| Fund plans | ✓ Direct plans | Usually regular plans | Depends on you |
| Ongoing reviews | ✓ Dedicated advisor | When there's a product to sell | When you find time |
₹5,000 Cr+
Assets under tracking
97%
Client satisfaction
2 Lakh+
Individuals advised
SEBI RIA
Reg. No. INA000020031
FAQs
Questions leaders ask us first
Still unsure? Book the free session and ask your advisor directly.
Is the 15-minute session really free? +
Yes. The first consultation is complimentary with no obligation. If you choose to go ahead with a full plan, your advisor will share the advisory fee upfront before you commit.
I have ESOPs. When should I exercise, and what about the tax? +
ESOPs are usually taxed twice: as salary on the gain when you exercise, and as capital gains when you sell. Your advisor helps you time the exercise, plan the cash for the tax, think through buybacks or listing events, and decide what to do with your options when you change jobs.
Do you advise on RSUs from US-listed parent companies? +
Yes. We help you plan around vesting schedules, understand tax at vest and at sale, decide how much employer stock to keep, and stay compliant with foreign-asset disclosure in your ITR.
What does "SEBI-registered Investment Adviser" mean for me? +
A Registered Investment Adviser (RIA) is regulated by SEBI and is required to act in your interest. We earn from advisory fees, not from commissions on the products we suggest.
Will my employer know I've spoken to you? +
No. Your information is kept confidential and is never shared with your employer. You can use your personal email and number if you prefer.
Do I have to move my existing investments? +
No. We start by reviewing what you already hold. Any changes are recommended only where they genuinely improve your plan, and the decision is always yours.
I barely have time. How much effort does this take? +
Very little. The first call is 15 minutes and fully virtual. After that, your advisor does the heavy lifting and brings you clear decisions, not homework.
You've built a great career. Let's make sure it builds lasting wealth.
ESOPs, RSUs, bonus and tax, sorted in one plan. 15 minutes, virtual and complimentary.
Book my free session