At Executive Financial Group, we empower financial advisors to connect with Highly Compensated Employees (HCEs), transforming your practice and driving sustainable growth.
Unlock the massive potential of the Highly Compensated Employee (HCE) market.
Untapped Market Size
The HCE market represents an enormous wealth acquisition opportunity most advisors miss.
Growing Potential
This segment continues to grow, driven by rising incomes and complex financial needs among top-tier employees.
Low Current Penetration
Less than 1% of this market is currently served by specialized financial advisors, highlighting significant room for expansion.
This market offers stable, long-term client relationships and significant asset accumulation potential for practices positioned to serve it.
Unlock Growth with High-Value Employee Relationships
At Executive Financial Group, we enhance your existing expertise to tap into the lucrative Highly Compensated Employee (HCE) market.
Build on Existing Expertise
Leverage your proficiency in traditional high-net-worth services, building upon your foundational knowledge.
Specialized HCE Focus
Go deeper into the unique financial landscapes of HCEs in public and private companies, addressing distinct needs like equity compensation and executive benefits.
Enhance, Don't Replace
Our guidance doesn't replace your successful strategies; it equips you with insights to address critical gaps and optimize service for HCEs.
Sustained Growth & Profitability
Transform transactional contacts into trusted, long-term partnerships, positioning your practice for significant asset accumulation and expanded profitability.
This focused approach helps you identify and leverage opportunities often overlooked by broader HNW strategies, ensuring your practice is precisely positioned for success.
Why Focus on Highly Compensated Employees?
HCEs possess unique and complex financial landscapes that traditional high-net-worth approaches often overlook. Their distinct compensation structures, like equity and deferred plans, demand specialized strategies beyond conventional wealth management.
Complex Compensation Structures
HCEs accumulate significant assets through equity compensation, executive benefits, and deferred plans.
Requires Specialized Strategies
Their unique financial landscape necessitates approaches beyond conventional wealth management.
The TRUE "Front Door": Equity Compensation
Many advisors believe that offering services like lending, estate planning, or tax referrals effectively opens the door to Highly Compensated Employees. However, this often misses the single most critical entry point: Equity compensation.
Equity compensation is frequently the largest source of income and the most significant asset for HCEs. Traditional wealth management often overlooks its inherent complexities (stock options, RSUs, ESPPs) or treats it as an afterthought. Mastering its nuances unlocks this critical "front door," builds immediate trust, and positions you as an indispensable partner for HCEs.
Significant Assets
HCEs hold substantial investable assets with complex needs.
Household Impact
Their financial decisions influence entire households and corporate benefits.
Referral Opportunities
Tailored HCE solutions drive growth and valuable referral networks.
Gateway to the C-Suite: Leverage HCE Relationships for Executive Access
Transform HCE relationships into direct access to top corporate leadership, unlocking unparalleled growth for your practice.
Cultivate HCE Relationships
Your HCE relationships become a trusted pathway to connect with C-suite executives who value specialized financial expertise.
EFG's Specialized Offering
Executive Financial Group's unique offering helps you attract and win critical C-suite business, distinguishing your practice.
Strategic Advantage
Position yourself as an indispensable partner, providing the exact expertise C-suite executives need for their complex financial planning.
Competitive Moat & Referrals
This strategic approach builds a significant competitive advantage and generates a powerful, self-sustaining referral engine among top-tier executives.
Envision your practice as the go-to expert for executive compensation across entire organizations, building a legacy of high-value client relationships and unprecedented growth.
Equity Compensation: The Core of HCE Wealth
For Highly Compensated Employees (HCEs), equity compensation isn't just a perk—it's their primary source of wealth, yet it's often overlooked by traditional wealth management due to its inherent complexities. Mastering equity compensation creates an essential "front door" for advisors, fostering trust and enduring HCE relationships by directly addressing their most pressing financial needs.
Why Traditional Wealth Management Misses the Mark for HCEs
Many advisors apply conventional wealth management strategies to HCEs, failing to grasp their unique financial landscape dominated by complex equity awards. General investment advice falls short, neglecting HCEs' immediate concerns about stock options, RSUs, and ESPPs. Without a deep understanding of these intricacies—including tax implications, vesting schedules, and illiquidity challenges—advisors struggle to build the trust necessary to serve this valuable client segment effectively.
From Equity Expertise to Comprehensive Wealth Management
Proficiency in equity compensation unlocks a full spectrum of wealth management opportunities. Advisors who understand vesting, tax implications, and diversification become indispensable partners for HCEs, paving the way for broader engagements:
Build Trust & Credibility
Demonstrate specialized knowledge addressing HCEs' most immediate and valuable financial concerns.
Expand Service Offerings
Transition from equity-specific advice to comprehensive financial planning, retirement, and estate solutions.
Foster Long-Term Relationships
Become a trusted advisor, securing enduring client loyalty and referrals.
Software vs. Expertise: The Need for Specialized Guidance
While basic financial planning software helps aggregate data, it fundamentally lacks the capability for comprehensive equity compensation strategy. This forces HCEs to make critical decisions independently or rely on CPAs, whose expertise typically centers on tax compliance rather than the nuanced strategic planning vital for maximizing equity awards.
Our Proven Approach
Understand
We diagnose your current client acquisition and retention challenges through confidential assessment.
Develop
Our team crafts bespoke strategies aligned with your firm's unique strengths and market positioning.
Implement
We deploy relationship-building frameworks that enhance trust and perceived value with HCEs.
Refine
Continuous monitoring ensures your approach evolves with market dynamics and client needs.
Our client-centric methodology maintains the highest standards of confidentiality while delivering measurable results.
Meet the Team Behind Your Success
Our team brings together decades of expertise in financial services and executive consulting, specifically to help you tap into the $4 trillion High-Capacity-Equity (HCE) opportunity. We equip advisors with the specialized knowledge and insights crucial for attracting these high-value clients.
We provide the proven processes and practical tools essential for successfully monetizing HCE clients. Our collaborative partnership ensures seamless integration with your team, complementing existing capabilities and fostering valuable knowledge transfer.
Nathan Bidner, Founder
With nearly three decades shaping financial services advice for employees and executives, Nathan has been instrumental in the equity compensation and executive acquisition space. At Charles Schwab, he pioneered financial wellness frameworks and launched their most significant financial planning platform. His leadership at Fidelity and Morgan Stanley as Head of Executive Advice Strategy & Execution further developed cutting-edge equity compensation planning platforms and drove significant client conversion growth. Having worked alongside the most effective equity compensation planners and advisors in the industry, Nathan's expertise ensures our strategies are built on a foundation of unmatched industry insight.
Services Tailored for Financial Advisors
1
HCE Acquisition Strategy
We help you strategically attract High-Capacity Executives (HCEs) by leveraging deep expertise in public and private company equity compensation. Demonstrate how optimizing their unique equity structures serves as the entry point to comprehensive wealth management.
2
Deepened Client Relationships
By understanding the intricate differences in public and private company equity, including liquidity and valuation challenges, we equip you with advanced strategies to deepen HCE client relationships, seamlessly integrating tailored equity planning with estate planning and lending solutions.
3
Integrated Executive Benefits
Seamlessly integrate the complexities of public and private equity compensation, executive packages, and other employee benefits into a holistic financial plan. This ensures your advice addresses the distinct financial landscape and specific needs of HCEs.
4
Specialized Compliance Guidance
To safeguard your firm and HCE clients, we provide specialized regulatory guidance focused on the intricate compliance requirements surrounding both public and private equity compensation strategies, complementing your existing wealth management framework.
Transform Your Practice: Complete HCE Specialization Services
EFG delivers specialization services to equip your firm with the knowledge, tools, and ongoing support needed to attract, manage, and retain High-Compensated Executive (HCE) clients, giving you a decisive competitive advantage.
These results come from a large wirehouse implementation:
10x
Higher Conversion
Advisors using our specialized HCE process achieve conversion rates up to 10x higher due to scarce expertise in HCE equity compensation guidance.
$1.4M
Average Acquisition
Experience an average acquisition value of $1.4M per HCE client with our targeted strategies.
2.5x
Net Asset Flow
Our specialized process drives 2.5x greater net asset flow by optimizing action rates on equity compensation for HCE clients.
The EFG Difference
Integrity
We prioritize respect, honesty, and confidentiality in every client engagement, never compromising on our values.
Transparency
We empower your advisors with clear insights into our process, built on open communication and reliable methods.
Partnership
We're committed to long-term relationships that benefit your firm and your clients alike, creating sustainable value.
Ready to Unlock New Growth?
Schedule a confidential consultation to discover how Executive Financial Group can help your firm acquire and deepen high-value HCE relationships. Our team provides customized insights and actionable strategies tailored to your unique needs.