What types of clients do you work with?

We work with high-income professionals, tech employees with equity compensation, private families, and business owners—typically with $2M or more in investable assets and complex financial lives.

Do you charge based on assets under management (AUM)?

No. VIP Wealth Advisors uses a flat-fee pricing model. We don’t charge based on your portfolio size, and we don’t sell financial products or earn commissions.

Are you a fiduciary financial advisor?

Yes. As a registered investment advisor regulated by the SEC, we act as a fiduciary 100% of the time—legally and ethically obligated to put your interests first.

Can you help with taxes and financial planning?

Yes. We combine tax strategy, financial planning, and in-house tax preparation for a fully integrated approach—especially helpful for equity compensation and multi-source income.

Do I have to live in Atlanta to work with you?

No. While we're based in Decatur, Georgia, we serve clients virtually across the U.S. Most of our clients prefer remote meetings via video or phone.

How are RSUs taxed and when should I sell them?

RSUs are taxed as ordinary income when they vest. After that, gains are subject to capital gains tax. We help you build a strategy for selling RSUs based on your goals, tax bracket, and company risk.

Can you help with AMT from incentive stock options (ISOs)?

Yes. We help clients plan ISO exercises strategically to reduce AMT exposure and potentially recover prior AMT through the AMT credit. Timing and tax modeling are key.

Do you help with the Backdoor Roth IRA strategy?

Absolutely. We guide clients through the Backdoor Roth process, including pro rata rule considerations, timing, and how to avoid triggering unintended taxes.

Atlanta Financial Advisor | VIP Wealth Advisors

⭐ Why Clients Choose VIP Wealth Advisors

✔ Over 20 years of experience advising high-income professionals

✔ Special expertise in equity compensation, multi-state taxes, and complex portfolios

✔ In-house tax prep and strategy — fully integrated with your plan

✔ Flat, transparent pricing — no percentages, no commissions
No AUM fees. No surprises. Just one flat annual fee with unlimited access.

✔ Personally led by a CFP®, EA, and fiduciary advisor — no handoffs, ever

✔ Trusted by tech leaders, entrepreneurs, and creatives nationwide

Your Wealth, Your Path

Three service tiers that meet you where you are—and grow with you.

Foundation

For individuals/couples building strong fundamentals.

Dedicated Financial Advisor
0% AUM investment management
3.7% 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

Momentum

For high earners with growing complexity.

Everything in Foundation, plus:

Tax filing & proactive projections
Equity comp: RSUs, ISOs/NSOs
Private investment counseling
Real Estate Investment Planning

See full features

Enterprise

For business owners & entrepreneurs.

Everything in Momentum, plus:

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

See full features

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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

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.

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How it works:

Your financial journey starts with a clear plan, but it doesn’t end there. At VIP Wealth Advisors, we create your personalized financial roadmap to guide your future decisions. As life unfolds—markets shift, tax laws change, and your personal goals evolve—we're here every step of the way, ensuring your plan adapts to meet your needs. With our ongoing planning and investment management service, you’ll have a trusted partner to help you navigate every twist and turn.

Financial planning is a journey, not a one-time event. It’s a continuous relationship between us, built on regular video meetings, phone calls, and emails. Our ultimate goal is to empower you to make informed decisions about your finances so you can enjoy the retirement you’ve always dreamed of.

We typically schedule two formal meetings per year where we’ll update your plan, refine your portfolio withdrawal strategy, set tax planning goals, review estate plans, and address any other financial questions you may have. But life doesn’t wait for formal meetings, and neither do we. Whether it’s a new opportunity, an unexpected challenge, or simply a question, we’re always here for you—ready to connect via Zoom, phone, or email whenever financial decisions arise.

Stay connected to your financial world with your personal finance portal through RightCapital, our cutting-edge planning software. This portal aggregates all your banking, investment, and lending accounts into one seamless view. You’ll have real-time access to track your net worth, monitor investment holdings, review cash flow projections, and explore various financial reports.

On the investment side, we provide ongoing discretionary management of your assets through accounts held at Altruist and Schwab. Our philosophy is straightforward, passive, and cost-conscious — focused on building globally diversified portfolios that align with your goals and risk tolerance. We use a curated mix of best-in-class, low-cost ETFs and often include individual U.S. Treasuries to add stability where appropriate.

For clients with taxable accounts, we also offer direct indexing paired with automated tax-loss harvesting — a powerful strategy to reduce tax drag and improve after-tax returns. All portfolios benefit from automated rebalancing, ensuring your allocation stays in line without requiring your time or attention.

With VIP Wealth Advisors, you’re not just getting a plan—you’re gaining a dedicated partner committed to helping you navigate life’s financial complexities with confidence and peace of mind.

This Isn't for Everyone. And that's the Point:

We work with a limited number of households—by design. Our service is built for those who value a high-touch relationship with a seasoned advisor who knows their world inside and out.

Our clients are typically navigating equity compensation, multiple income streams, real estate, or business ownership—and they’re looking for a long-term partner to help them make smart, integrated financial decisions across tax, investment, and life strategy.

We’re best suited for households with $1M+ in investable assets and/or incomes of $250K and above. If that’s you—and you’re ready to stop winging it—we should talk.

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

Mark Stancato, CFP®, EA, ECA, CRPS®

FOUNDER & LEAD ADVISOR

20+ years advising high-income professionals across tech, entertainment, and business. Purdue University graduate (Financial Planning & Counseling, Consumer Behavior)