---
title: Financial Planning & Tax Strategy for High-Income, High-Complexity Lives | VIP Wealth Advisors
description: Work one-on-one with a CFP® and EA who’s spent 20+ years helping high earners simplify equity comp, taxes, and real estate — for one flat fee.
image: https://vipwealthadvisors.com/hubfs/VIP-Wealth-Advisors-Atlanta-GA-.jpg
---

[![VIP Wealth Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png?width=334&height=80&name=VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png "VIP Wealth Advisors")](https://vipwealthadvisors.com)

- [Services](https://vipwealthadvisors.com/services) 
    - [Financial Planning](https://vipwealthadvisors.com/financial-planning)
    - [Tax Planning](https://vipwealthadvisors.com/tax-planning)
    - [Investment Management](https://vipwealthadvisors.com/investment-management)
    - [Estate Planning](https://vipwealthadvisors.com/estate-planning)
    - [Stock Options](https://vipwealthadvisors.com/stock-option-exercise-strategies)
    - [Budgeting & Cash Flow Analysis](https://vipwealthadvisors.com/budgeting-cash-flow-analysis)
    - [Insurance Review & Recommendations](https://vipwealthadvisors.com/insurance-review)
    - [Retirement Planning](https://vipwealthadvisors.com/retirement-planning)
    - [Education Planning](https://vipwealthadvisors.com/education-planning)
    - [Cryptocurrency](https://vipwealthadvisors.com/cryptocurrency)
    - [Home Purchase & Income Properties](https://vipwealthadvisors.com/income-property-home-purchase)
    - [Hourly Support](https://vipwealthadvisors.com/hourly-support)
- [Pricing](https://vipwealthadvisors.com/pricing)
- [About](https://vipwealthadvisors.com/about) 
    - [How it Works](https://vipwealthadvisors.com/how-it-works)
    - [Investment Philosophy](https://vipwealthadvisors.com/insights/investment-strategy)
    - [Press](https://vipwealthadvisors.com/press)
    - [Professional Affiliations](https://vipwealthadvisors.com/professional-affiliations)
    - [Credentials](https://vipwealthadvisors.com/cfp-designations)
    - [What VIP Really Means](https://vipwealthadvisors.com/insights/story-behind-vip-wealth-advisors)
- [Insights](https://vipwealthadvisors.com/media-hub) 
    - [Articles](https://vipwealthadvisors.com/insights)
    - [Videos](https://www.youtube.com/@MarkThePrivateCFO)
- [Contact](https://vipwealthadvisors.com/contact)
- [Client Portal](https://vipwealthadvisors.com/client-portal)

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Personal CFO for High-Income, High-Complexity

# High-income, high-complexity. Your Strategy, Elevated.

Flat-fee planning, tax, and investment management under one roof. We integrate equity comp, real estate, and business strategy so your money works like a system.

[Book a Call](https://vipwealthadvisors.com/meeting?hsLang=en) [View Pricing](https://vipwealthadvisors.com/pricing?hsLang=en)

As seen in   ![CBS News](https://vipwealthadvisors.com/hubfs/47037768/CBS-News-Logo-125x40.svg) ![Investopedia](https://vipwealthadvisors.com/hubfs/Investopedia-Logo-125x40.svg) ![Nasdaq Logo](https://vipwealthadvisors.com/hubfs/47037768/Nasdaq-Logo-125x40.svg)

![VIP Wealth dashboard and planning session](https://vipwealthadvisors.com/hubfs/VIP-Financial-Dashboard.jpg)

Clarity first. Strategy always. Execution on schedule.

## Your Wealth, Your Path

Two service paths designed for depth, clarity, and long-term partnership.

### Private Client

For individuals & couples with growing complexity.

- Dedicated Financial Advisor
- 0% AUM investment management
- 3.2% APY on cash savings
- Financial Independence & cash-flow plans
- Estate, insurance & tax-aware portfolio tuning
- Client portal with budgeting & to-dos
- Client Service Calendar + Unlimited ad hoc meetings

[See full features](https://vipwealthadvisors.com/pricing#tiers)

### Enterprise

For business owners & entrepreneurs.

- Business + personal tax strategy
- Succession/exit & liquidity planning
- Payroll/benefits coordination
- Quarterly Planning Meetings

[See full features](https://vipwealthadvisors.com/pricing#tiers)

[Get Started](https://vipwealthadvisors.com/meeting?hsLang=en) [View pricing](https://vipwealthadvisors.com/pricing#tiers)

## Trusted by leaders across tech, finance & healthcare

![PALANTIR](https://vipwealthadvisors.com/hubfs/COMPANY_PALANTIR%20(1).png) ![PALOALTO NETWORKS](https://vipwealthadvisors.com/hubfs/COMPANY_PALOALTO_NETWORKS.svg) ![NORFOLK_SOUTHERN](https://vipwealthadvisors.com/hubfs/COMPANY_NORFOLK_SOUTHERN%20(1).svg) ![AMAZON](https://vipwealthadvisors.com/hubfs/COMPANY_AMAZON%20(1).svg) ![UNITED](https://vipwealthadvisors.com/hubfs/COMPANY_UNITED.svg) ![BIGCOMMERCE](https://vipwealthadvisors.com/hubfs/COMPANY_BIGCOMMERCE%20(1).svg) ![MICROSOFT](https://vipwealthadvisors.com/hubfs/COMPANY_MICROSOFT%20(2).svg)

## Personalized guidance across your financial life

White-glove planning, tax prep, and investment management—integrated and proactive.

### Tax & Filing

- Tax prep & projections
- TLH & direct indexing
- Equity comp strategy

### Investing

- 0% AUM management
- Globally diversified ETFs
- Rebalancing & risk tuning

### Retirement

- Financial Independence plan
- Withdrawal strategy
- Social Security timing

### Estate & Risk

- Estate plan coordination
- Insurance review
- Gifting strategies

### Cash & Credit

- 4% APY cash
- Cash-flow optimization
- Debt/financing strategy

### Business Owners

- Entity & payroll
- Owner retirement plans
- Succession/exit

![Mark Stancato, CFP®, EA, ECA, CRPS®](https://vipwealthadvisors.com/hubfs/mark-stancato-headshot-square.jpg)

Advisor Spotlight

## Led by Mark Stancato, CFP®, EA, ECA, CRPS®

20+ years guiding high-income, high-complexity households with integrated planning, tax, and investment strategy.

> “Strategy beats speculation. We plan first—then invest with purpose.”

- CFP®
- EA
- Comprehensive Tax + Planning
- 0% AUM

[Meet your advisor](https://vipwealthadvisors.com/meeting?hsLang=en) [About VIP](https://vipwealthadvisors.com/about?hsLang=en)

## Our Approach

Clear fees, integrated strategy, and evidence-based investing—delivered like a Personal CFO.

💡

### 0% AUM, Always

Pay for advice—not asset size or product sales.

🧾

### Integrated Tax + Planning

One team, one strategy, one coordinated plan.

📈

### Evidence-Based Investing

Global ETFs, direct indexing, rebalancing—no hype.

🤝

### Personal CFO Service

Concierge guidance for a limited number of households.

## Results from real financial planning

Every household is unique. Here’s how strategy changes outcomes.

### Saved $20,400 in Future Taxes

- Reconstructed $68,000 of missing IRA basis after discovering Form 8606 was never filed,
- Prevented double taxation on retirement distributions.

### Recovered $32,000 in Overpaid Medicare Taxes

- Audited Shareworks activity and uncovered a W-2 reporting error on NQSO same-day sales.
- Led to a corrected W-2 and full refund of excess withholdings.

### Preserved $1.1M AMT Credit

- Rescued a massive missed tax credit by correctly preparing IRS Form 8801 after a mid-year ISO exercise triggered AMT.
- Just in time before the extended filing deadline.

[Compare tiers](https://vipwealthadvisors.com/pricing#tiers) [Book a call](https://vipwealthadvisors.com/meeting?hsLang=en)

## Have questions?

How are fees determined?

By scope and complexity, not portfolio size. See our pricing tiers for a baseline, then we tailor as needed.

Do you work virtually?

Yes—secure portal, Google Meet, e-signature, and a dedicated financial advisor.

Can you file my taxes?

Yes. We integrate tax prep with planning and investment strategy.

What if my situation changes?

We adjust at renewal. When complexity shifts, your fee reflects it—no surprises.

[Talk to a planner](https://vipwealthadvisors.com/meeting?hsLang=en) [Compare tiers](https://vipwealthadvisors.com/pricing#tiers)

## Ready for clarity and confidence?

Book a no-pressure, 30-minute call. We’ll show you the smartest next steps.

[Book a call](https://vipwealthadvisors.com/meeting?hsLang=en) [Compare tiers](https://vipwealthadvisors.com/pricing#tiers)

Flat, transparent fees · 0% AUM · Fiduciary advisor-led planning

[![VIP Wealth Advisors](https://vipwealthadvisors.com/hubfs/VIP_WEALTH_ADVISORS_LOGO_WEB_334x80_WHITE.png)](https://vipwealthadvisors.com/?hsLang=en)

Flat, transparent fees (0% AUM). Integrated planning, tax, and investing— built for high-income, high-complexity households.

[in](https://www.linkedin.com/in/markstancato/) [▶](https://www.youtube.com/@MarkThePrivateCFO) <https://www.tiktok.com/@marktheprivatecfo>

### Explore

- [Pricing](https://vipwealthadvisors.com/pricing?hsLang=en)
- [Services](https://vipwealthadvisors.com/services?hsLang=en)
- [Book a Call](https://vipwealthadvisors.com/meeting?hsLang=en)
- [About VIP](https://vipwealthadvisors.com/about?hsLang=en)
- [Credentials](https://vipwealthadvisors.com/cfp-designations?hsLang=en)
- [Insights](https://vipwealthadvisors.com/insights?hsLang=en)

### Services

- [Financial Planning](https://vipwealthadvisors.com/financial-planning?hsLang=en)
- [Tax Filing & Projections](https://vipwealthadvisors.com/tax-planning?hsLang=en)
- [Investment Management (0% AUM)](https://vipwealthadvisors.com/investment-management?hsLang=en)
- [Equity Compensation](https://vipwealthadvisors.com/stock-option-exercise-strategies?hsLang=en)
- [Retirement & FI Planning](https://vipwealthadvisors.com/retirement-planning?hsLang=en)
- [Cryptocurrency](https://vipwealthadvisors.com/cryptocurrency?hsLang=en)

### Contact

VIP Wealth Advisors  
[(917) 319-8281](tel:+19173198281)  
[planning@vipwealthadvisors.com](mailto:planning@vipwealthadvisors.com)

[Book a Call](https://vipwealthadvisors.com/meeting?hsLang=en)

- [Form ADV](https://vipwealthadvisors.com/hubfs/ADV/VIP_ADV_Part_2A_2B_01-19-2026.pdf?hsLang=en)
- [Privacy Policy](https://vipwealthadvisors.com/privacy-policy?hsLang=en)
- [Disclosures](https://vipwealthadvisors.com/disclosures?hsLang=en)

VIP Wealth Advisors is a U.S. Securities and Exchange Commission (SEC) registered investment adviser providing fiduciary, fee-only financial planning and investment management to high-net-worth individuals and families nationwide. Information on this site is for educational purposes only and should not be construed as investment, tax, or legal advice. Past performance is not indicative of future results.

©  VIP Wealth Advisors. All rights reserved.

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[![Financial Planning Association](https://vipwealthadvisors.com/hs-fs/hubfs/FPA-logo.png?width=189&height=100&name=FPA-logo.png "Financial Planning Association")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

[![XY Planning Network](https://vipwealthadvisors.com/hs-fs/hubfs/XY_Planning_Network.png?width=189&height=100&name=XY_Planning_Network.png "XY Planning Network")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

[![NAPFA National Association of Personal Financial Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/NAPFA.png?width=189&height=100&name=NAPFA.png "NAPFA National Association of Personal Financial Advisors")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

[![Fee Only Network Member](https://vipwealthadvisors.com/hs-fs/hubfs/Fee-Only-Network-3.png?width=189&height=100&name=Fee-Only-Network-3.png "Fee Only Network Member")](https://vipwealthadvisors.com/professional-affiliations?hsLang=en)

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