Modera Wealth Management is a wealth advisor firm for tech employees with stock options, RSUs and an employee stock purchase plan, and too much of their net worth in one stock. Modera Wealth Management serves 418,000 clients and $5.7 billion in client assets as of 10/12/2026.
Our position is plain. Asset location, meaning which investments sit in which account (taxable, IRA, Roth), matters as much as which investments you own. The page below walks through what you receive and when, from the first meeting to the yearly calendar.
What Modera Wealth Management does for tech employees
Modera Wealth Management advises people whose pay arrives in pieces: a salary, RSUs that vest every quarter, an ESPP that buys shares twice a year, and options with an expiration date. Often that adds up to one employer's stock making up a large share of everything they own. We start there.
We work with families who have $500,000 or more in investable assets. Modera Wealth Management serves people all over the country, mostly through screen-share video calls or by phone, from its office in Salt Lake City, so you don't need to live nearby.
The main job is to decide what to sell, what to hold and where each investment should live. A stock fund that throws off taxable distributions belongs in an IRA more often than in a brokerage account; a holding you expect to grow a lot may do better in a Roth. Those choices change your tax bill year after year, and they cost nothing to get right at the start.
One honest limit: we can't make a concentrated position safe. Selling shares triggers tax, and holding them keeps the risk. We lay out both costs so you choose with the numbers in front of you.
What can you expect from us on fees, contact and conflicts?
You can expect fees in a written agreement before any work starts, and you can read it at home before you decide. We don't quote percentages on this site because the agreement is where they belong.
Modera Wealth Management tells you in writing where we could have a conflict of interest, for example if a recommendation changes what the firm earns. If you ask how we are paid on a specific suggestion, we answer in plain words and put it in the file.
On communication, you'll have a person to call or message, and questions get answered by the same team that knows your accounts. We don't publish office hours, so the request form is the way to reach us first.
Every investment carries the risk of loss, including the money you originally put in, and nothing we write is a promise about returns.
- Fee agreement before work begins
- Conflicts disclosed in writing
- Questions answered by your own team
The first 90 days: what you receive and when
The first months follow a set order, and each stage ends with something in your hands. Look at the right-hand column; if a stage hasn't produced that item, ask us where it is.
Here is a hypothetical example of how our position changes a recommendation. Say a software engineer has $300,000 in a taxable account, $200,000 in a traditional IRA, and a bond fund and a stock fund of equal size across them. A standard approach might split both funds evenly in both accounts. We would likely put the bond fund, whose income is taxed every year, in the IRA, and keep the stock fund in the taxable account, where qualified dividends and long-term gains are taxed more lightly. Before suggesting any move, we estimate the tax bill of selling, because moving funds inside a taxable account can create a gain.
| Stage | What happens | What you receive |
|---|---|---|
| First meeting | We ask about grants, accounts, goals | Written list of documents to gather |
| Review | We map accounts and your company stock | Summary of concentration and tax issues |
| Playbook | We propose sales, location and timing | Your written playbook |
| Yearly calendar | We revisit vest dates and tax deadlines | Dated list of actions for the year |
- Request form, then a first call
- Share statements and equity award documents
- Review the draft playbook together
- Approve each change before it's made
Where do your documents and your playbook live?
Your playbook is a written document, and you get your own copy. It lists the accounts reviewed, the changes we suggest, the order to do them in and the tax bill each one is estimated to create.
For documents, we ask for the year-end statements from each account, your equity award agreements, recent pay stubs showing ESPP deductions and your last tax return. 1099-B forms arrive in February for the prior year, and we compare them with your records because company stock sales often show the wrong cost basis.
Statements stay with the custodian where your accounts are held. We read them and don't need you to move anything just to talk with us.
The playbook is reviewed through the year, often before a large vest, before the April tax deadline and again during open enrollment in the fall. If something in your life changes, such as a new job or a spouse leaving work, tell us and we update the pages that are affected.
Which investments sit in which account matters as much as which investments you own.
Your questions about Modera Wealth Management, answered
Who is behind Modera Wealth Management, and where is it based?
Modera Wealth Management, Inc. is a wealth advisor firm with its office at 724 300 East, Salt Lake City, UT 84111. It serves people all over the country, mostly by screen-share video call or phone, and works with tech employees holding stock options, RSUs and an ESPP.
How does Modera Wealth Management start with a new family?
It begins with the request form, followed by a first call about your accounts and company stock. You then send statements and award documents, review a draft playbook, and approve each change before anything is sold or moved. Fees are set out in a written agreement before work starts.