MOHAN FINANCIAL

Define Strategy. Define Wealth.

DISCIPLINE I

I

RSU ARCHITECTURE

A vest is not an event. It is a decade of decisions.

Every grant, every vest, every concentration risk, modeled share by share and calibrated to your tax bracket, your liquidity windows, and the full balance sheet behind your equity.

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DISCIPLINE II

I I

SECURITIES LENDING

Accessing liquidity while maintaining investment exposure.

Through strategic lending relationships, our team structures a two-account architecture that separates the asset from the access: capital stays invested and concentrated positions stay intact, the household stays funded, and no sale and no capital gains is triggered.

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DISCIPLINE III

I I I

REAL ESTATE STRATEGY

Real estate as a financial tool.

We help educate you how Short-Term Rental treatment and Real Estate Professional Status work and how, used well, they convert depreciation into offsets against ordinary W-2 income, without compromising lifestyle.

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DISCIPLINE IV

I V

RISK MANAGEMENT

Insurance as a means of risk mitigation.

Effective wealth planning often includes evaluating risks that could affect long-term financial goals. We incorporate insurance and other risk-management strategies into the broader planning framework, considering factors such as liquidity, estate planning, business interests, and family needs. These tools are evaluated within the context of the overall financial plan to help support its long-term sustainability and flexibility.

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DISCIPLINE V

V

WEALTH MANAGEMENT

Diversification defined by risk tolerance.

We invest to your tolerance, not to a trend. Risk tolerance sets the frame of what you can hold through volatility, and why the capital exists while diversification does the work by spreading exposure across assets so no single position carries the outcome. Built to fit you, maintained to stay that way.

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DISCIPLINE I THE BRIEF

RSU Architecture

A vest is not an event. It is a decade of decisions.

We treat restricted stock as a multi-year structural problem, not a series of payroll events. Every grant is mapped, every vest is rehearsed, and every share is reconciled against the household balance sheet before it ever clears the window.

THE FRAME

Three questions, asked at every vest.

01

Hold

Is the conviction in the company strong enough, and the concentration low enough, to keep the shares?

02

Diversify

Does the position exceed the household’s tolerance for single-stock risk, and is the after-tax outcome worth the sale?

03

Borrow

Is liquidity the actual need? Can the position stay invested while a securities-backed line funds the requirement?

WHAT WE BUILD

The architecture, component by component.

i.

Grant & Vest Map

An analysis of stock compensation grants, vesting schedules, and compensation considerations using a range of hypothetical planning assumptions.
ii.

Tax Gap Analysis

For some individuals, federal supplemental withholding may differ from their ultimate tax liability. We help clients evaluate potential tax obligations, assess AMT considerations when applicable, and review estimated tax strategies to support ongoing planning.
iii.

Concentration Threshold

A framework for evaluating concentrated stock positions and determining when concentration risk may warrant additional review, paired with predefined planning guidelines that may be considered if concentration exceeds agreed-upon levels.
iv.

Diversification Glide Path

A multi-year deconcentration schedule tied to net-worth milestones rather than headlines — to support a gradual diversification process while considering tax implications, liquidity needs, and long-term investments, objectives.
v.

Integration Points

The RSU plan does not sit alone. It may by evaluated alongside liquidity planning, insurance and risk-management considerations, and long-term investment allocation decisions.

WHO IT IS FOR

Built for the tech household whose paycheck is a tax form.

Single and dual-income tech employees with material RSU vesting
Executives approaching or holding double-trigger equity
Households where concentrated stock exceeds 20% of net worth
Families balancing RSU income against real estate, STR/REPS, or business interests

BEGIN WITH A CONVERSATION

Schedule a discovery meeting.

We will return with the assessment model that fits the household.

START A CONVERSATION

DISCIPLINE II THE BRIEF

Securities Lending

Accessing liquidity while maintaining investment exposure.

Borrowing against a portfolio is a technique, not a product. Used deliberately, it may provide access to liquidity without immediately realizing capital gains that could result from selling investments - while providing potential access to capital for planning needs.

THE FRAME

Three questions, asked before any line is drawn.

01

Purpose

Is the need short-term and defined — a bridge, a tax payment, an opportunity — or is it a structural reliance the balance sheet cannot support?

02

Collateral

Are the pledged positions diversified and stable enough to handle a draw, or does concentration create a margin-call risk the plan cannot absorb?

03

Exit

Is the repayment source identified before the line is drawn — future vest, business distribution, or refinance — or is the debt simply hoping to be solved later?

WHAT WE BUILD

The architecture, component by component.

i.

Two-Account Architecture

One account holds the invested capital; a separate pledged account provides the lendable collateral. The asset and the access live in different places — by design.
ii.

Collateral & Loan-to-Value Modeling

We size the credit line against advance rates, position volatility, and a written margin-call buffer — not against the maximum the bank will issue.
iii.

Use-Case Framework

A predefined list of what the line is — and is not — meant to fund: tax payments, real estate down payments, business capital, bridge liquidity. Lifestyle creep is excluded by policy, not willpower.
iv.

Interest Rate & Carry Analysis

We compare the after-tax cost of carry against the expected return of the unsold position and the tax cost of selling instead. Borrowing is only the right answer when the math says so.
v.

Margin-Call Protocol

A written playbook for a 20% or 40% drawdown: which positions are sold first, which are protected, and what the household does in the first 48 hours.
vi.

Integration Points

Securities Lending is the direct counterpart to RSU Architecture — it is how a concentrated position stays concentrated while still funding the household.

WHO IT IS FOR

Built for households whose wealth should not become their cash flow.

Tech employees holding concentrated equity they do not want to sell
Business owners needing capital without disrupting the portfolio
Families bridging a real estate purchase ahead of a liquidity event
Households facing large, irregular tax payments tied to RSU vests

BEGIN WITH A CONVERSATION

Schedule a discovery meeting.

We will return with the assessment model that fits the household.

START A CONVERSATION

DISCIPLINE III THE BRIEF

Real Estate Strategy

Real estate as a financial tool.

Certain real estate strategies may provide tax benefits for eligible taxpayers who satifsy applicable IRS requirements. We work with clients and their tax and legal progessionsals to evaluate whether these strategies may be appropriate based on their objectives and circumstances while considering the households lifestyle preferences and broader financial goals.

THE FRAME

Three questions, asked before any property is bought.

01

Qualify

Does the household have a member who can credibly meet the hour and material-participation tests, or is the strategy structurally out of reach?

02

Operate

Can the property be run as a true short-term rental — average stays, services, documentation — or only as a long-term hold dressed up as one?

03

Offset

Would projected tax benefits, if realized, be meaningful relative to the operational and economic considerations involved.

WHAT WE BUILD

The architecture, component by component.

i.

Qualification Roadmap

A written plan for meeting STR average-stay rules or REPS hour and material-participation tests — with the documentation cadence required to defend it.
ii.

Cost Segregation Modeling

Projected first-year depreciation under a cost-segregation study, compared against straight-line, and mapped to the household’s expected ordinary income.
iii.

Property Selection Framework

Criteria for the kind of property the strategy actually rewards — market, price point, occupancy profile, financing structure — rather than the property the household merely likes.
iv.

Operating Cadence

The minimum operating rhythm required to defend the position: bookings, services, expense tracking, time logs, and the right entity structure behind it.
v.

Exit & Recapture Planning

What happens when the property is sold or converted — depreciation recapture, 1031 options, basis carryforward — modeled in advance, not discovered at closing.
vi.

Integration Points

STR/REPS does not stand alone. It is structured against RSU income, financed through Securities Lending where appropriate, and protected by Risk Management.

WHO IT IS FOR

Built for households with W-2 income too large to ignore and the bandwidth to operate.

Dual-income households where one spouse can plausibly hold REPS
Tech earners with material RSU income and unused tax leverage
Families already considering second homes or vacation rentals
Business owners with operating bandwidth and an interest in real estate

BEGIN WITH A CONVERSATION

Schedule a discovery meeting.

We will return with the assessment model that fits the household.

START A CONVERSATION

DISCIPLINE IV THE BRIEF

Risk Management

Insurance as a means of risk mitigation.

Protection is not the goal of the plan; it is what keeps the plan intact. We identify where the household is most exposed, then size insurance and related tools to that exposure — integrated with the balance sheet, never sold in isolation.

THE FRAME

Three questions, asked at every life stage.

01

Exposure

Which event would force the household to sell something it does not want to sell — the business, the house, the concentrated stock?

02

Coverage

Is the in-force coverage sized to the exposure today, or is it a relic of a salary and net worth from years ago?

03

Structure

Are the policies, ownership, and beneficiaries arranged to deliver the proceeds the right way — or are they a tax problem waiting to happen?

WHAT WE BUILD

The architecture, component by component.

i.

Exposure Map

A written inventory of the household’s most consequential risks: income loss, disability, premature death, long-term care, liability, and concentration.
ii.

Life Insurance Sizing

Coverage sized to the actual household need — debt, income replacement, education, estate liquidity — not to a product recommendation or industry rule of thumb.
iii.

Disability & Income Protection

Group, individual, and supplemental coverage stacked and coordinated — with attention to definition of disability, own-occupation language, and benefit duration.
iv.

Liability & Umbrella Review

A coordinated look at home, auto, and umbrella coverage, sized to net worth and the household’s actual exposure — not whatever the carrier defaulted into a renewal.
v.

Long-Term Care Strategy

An honest look at the household’s self-funding capacity versus the cost of dedicated coverage — and where hybrid products do or do not earn their place.
vi.

Integration Points

Risk Management protects what every other discipline is trying to build. It is sized against the RSU plan, the lending facility, the real estate, and the public portfolio.

WHO IT IS FOR

Built for households whose plan would not survive a single hard event.

Single-income households dependent on one earner’s career
Families with young children and consequential income
Business owners whose enterprise is the household’s largest asset
Households whose net worth has outgrown the policies behind it

BEGIN WITH A CONVERSATION

Schedule a discovery meeting.

We will return with the assessment model that fits the household.

START A CONVERSATION

DISCIPLINE V THE BRIEF

Wealth Management

Diversification defined by risk tolerance.

We invest to your tolerance, not to a trend. Risk tolerance sets the frame for what the household can hold through volatility and why the capital exists. Diversification does the work — spreading exposure so no single position carries the outcome — while the portfolio stays built to fit you and maintained to stay that way.

THE FRAME

Three questions, asked before any allocation is set.

01

Purpose

What is each pool of capital for — income, growth, legacy, optionality — and over what horizon?

02

Tolerance

How much drawdown can the household actually live with, in dollars rather than percentages, before behavior breaks the plan?

03

Coordination

How does the public portfolio sit alongside concentrated equity, real estate, and business interests — rather than in isolation from them?

WHAT WE BUILD

The architecture, component by component.

i.

Investment Policy Statement

A written document defining the allocation, the rebalancing rules, the cash policy, and the behaviors the household commits to in advance — before the market makes them harder to keep.
ii.

Allocation Design

Diversification across asset class, geography, and factor — calibrated to the household’s stated tolerance and the concentration already living elsewhere on the balance sheet.
iii.

Tax-Aware Implementation

Account location, lot-level selection, tax-loss harvesting, and asset-location decisions considered as part of an overall tax-aware investment approach.
iv.

Rebalancing Discipline

A rules-based cadence that moves the portfolio back toward target without overtrading — with thresholds set in advance rather than negotiated in the moment.
v.

Distribution & Withdrawal Strategy

For households drawing from the portfolio, the rules for which accounts fund which expenses — coordinated with Social Security benefits, required minimum distributions, and other financial planning considerations, including tax implications.
vi.

Integration Points

The public portfolio is the long-horizon allocation behind every other discipline — deconcentrated RSUs land here, lending decisions are sized against it, and risk coverage is calibrated to it.

WHO IT IS FOR

Built for households whose portfolio should reflect them, not a model.

Households with material liquid assets and a real horizon
Pre-retirees coordinating accumulation and the eventual draw
Families with concentrated equity that the public portfolio must counterbalance
Business owners diversifying around an operating company

BEGIN WITH A CONVERSATION

Schedule a discovery meeting.

We will return with the assessment model that fits the household.

START A CONVERSATION