Modera Wealth Management helps business owners, engineers and DIY investors, and our wealth advisor team writes most of its examples for tech employees holding stock options, RSUs and an ESPP. The shared problem is usually one stock, or one account type, carrying too much of the load.
Modera Wealth Management serves 418,000 clients and $5.7 billion in client assets as of 10/12/2026. The minimum is $500,000 in investable assets, and meetings happen by screen-share video call or phone.
Business owners with one big asset
If you own a company, most of your net worth sits in a single asset you can't easily sell. Modera Wealth Management advisors look at what's outside the business first: the SEP-IRA or 401(k), the taxable account, and what happens to your income in a slow year.
Say you put $24,500 into your own 401(k) for 2026 and a good year pushes your income up. We check whether that money should go pre-tax or Roth before you file in April, not after.
- Retirement account choice in uneven years
- Cash outside the business
- Tax bill when you sell or step back
Engineers with RSUs, options and an ESPP
An engineer at a public company often finds 30 or 40 percent of net worth in the employer's stock, because every vest adds more. That's the family we picture most when we write.
Here is the shortcut: if more than a fifth of your net worth is in one stock, diversification usually comes before anything else. Before Modera Wealth Management suggests selling, it estimates the tax bill of each sale, so you see the cost of RSU vests, ISO exercises and ESPP sales before you choose.
Every investment carries the risk of loss, including the money you started with, and a single stock carries more of it than a mix of many.
- Concentrated stock diversification
- RSU tax planning and ISO exercise planning
- ESPP planning around purchase dates
Can a DIY investor still use an advisor?
Yes, a DIY investor can keep running the portfolio and still bring in an advisor for the parts that are easy to get wrong. Most of what we add is asset location, meaning which investments sit in the taxable account, the IRA or the Roth.
Picture a hypothetical $600,000 portfolio where a bond fund sits in a taxable account. Its interest is taxed every year, while the same fund inside an IRA defers that tax. The funds are identical; the tax bill isn't.
Our team also does tax-loss harvesting and donor-advised fund setup, and you decide how much you hand over.
Does Modera Wealth Management work with others?
Yes, Modera Wealth Management works with anyone who has $500,000 or more to invest, whatever the job title. A retiree with a pension, a doctor, or a couple selling a house all get the same careful look at what's held where.
One honest limit: if your investable assets are under $500,000, we likely can't take you on yet. Fees are set out in a written agreement before any work starts.
Clients are anywhere in the country; the office is at 724 300 East, Salt Lake City, UT 84111. Use the request form to ask for a first conversation.
Business Owners
Modera Wealth Management wealth advisor for owners: SEP, SIMPLE and solo 401(k) choices, buy-sell agreements and sale planning years before you exit.
Details →Engineers and DIY Investors
Modera Wealth Management gives engineers and DIY investors a second opinion on withdrawals, asset location and Roth conversions before retirement.
Details →Your questions about Modera Wealth Management, answered
Is there a lower limit on what I need to invest?
Modera Wealth Management asks for $500,000 in investable assets. That counts brokerage accounts, IRAs and 401(k)s, and vested shares of company stock. Unvested RSUs and unexercised options usually don't count until they turn into shares you hold.
Do I have to live near Salt Lake City?
No. Modera Wealth Management meets families by screen-share video call or by phone, so you can live in any state. The office is in Salt Lake City, but most of the work happens remotely.
Can I keep managing my own investments?
Yes, many DIY investors keep their own picks and use an advisor for asset location, tax-loss harvesting and concentrated stock decisions. You agree on the scope in writing first, so you know who handles what.