Executive Engagement · for $250K+ balances
The decision where a wrong move costs five figures.
With a large balance and concentrated employer stock, the rollover stops being a form to fill out. It collides with NUA, AMT, and your exercise window — where the tax cost of one path can differ from another by five figures. You get the full tax math on every option, so the decision is yours and it's made on real numbers. No free tool, and no custodian-paid one, puts that in front of you.
Why the standard plan isn't enough here
The $49 plan is the right tool for a clean rollover. But once there's employer stock and a six-figure balance in play, the mistakes get expensive and irreversible: rolling appreciated company stock into an IRA and forfeiting NUA treatment, triggering AMT on a conversion you didn't model, or missing that a partial move was the better answer. This is the version of the playbook delivered by a human, built around your specific numbers.
What the engagement includes
- A written, educational analysis of how the tax rules apply to your numbers — the NUA-vs-rollover tradeoff on your basis, AMT exposure on a partial Roth conversion, and the order of operations across your 60-day window — built for you to review with your CPA.
- A working call to walk through it together, with the custodian scripts and the request language used to ask for a direct trustee-to-trustee transfer that avoids mandatory 20% withholding.
- An execution checklist tailored to your custodian — what to request, what to refuse, and what each form actually does.
- We stay reachable through the window and into tax season, so you and your CPA have the numbers in hand when the 1099-R arrives.
No products, no referral fees
A custodian's “free” rollover help is paid for by where your money lands. Ours isn't. nesthelm sells no investment products and takes no custodian referral fees — the analysis isn't tilted toward any particular destination. You pay a flat fee, quoted up front.
Flat fee, quoted up front
Most engagements run $1,500–$3,500 depending on complexity. In some situations the tax difference between paths can exceed $30,000 — your result depends on your facts, and no outcome is promised. No AUM percentage, no subscription, no custodian referral fees. We quote the exact fee before you commit to anything.
Important
The Executive Engagement is a flat-fee educational analysis of how the tax rules apply to the figures you provide. It is not personalized tax, legal, investment, or financial advice, not a recommendation to buy, sell, hold, or allocate any security, and does not create an advisory or fiduciary relationship. nesthelm is not a registered investment adviser, broker-dealer, CPA firm, or law firm, and does not prepare or file tax returns. NUA elections are irrevocable — review the analysis with your own CPA, EA, or attorney before acting.
Apply for an engagement
Tell us what you're working with. We review every application personally and reply within two business days to confirm it's a fit and quote your fee.