Meet Leila and Sam.
 

They’re in their early 40s, raising two kids (6 and 4), and navigating the typical tech household juggle - demanding work schedules, equity compensation, school runs, and dreams they don’t want to put off forever.

Leila’s recently stepped into a senior leadership role at a high-growth tech company. It’s a great move, but her comp structure is now heavily reliant on variable quarterly bonuses and RSUs - less predictable than her previous salary package.
 

Sam just returned to university to pursue a long - held dream of becoming AI prompt specialist. That means pressing pause on income for the next few years.
 

They’ve been diligent. They’ve avoided lifestyle creep, stayed on top of savings, and made smart choices. But life has gotten more complicated.

​

• Income is lumpy - some quarters are great, others tight.

• A large portion of their wealth is tied up in company shares - some from Leila’s previous employer, others now vesting from her current role.

• They also own a rental property that’s been a decent investment, but it adds another moving part to manage.

• And they’re flat-out with parenting, work, study, and just trying to breathe.
   

They came to me the way many of my clients do: confident in their earning potential, but unsure how to bring it all together.

​

So we applied The Confident Choice System - my 9-step roadmap for turning financial complexity into clarity, strategy, and freedom.

​

Here’s what that looked like:

​

Step 1: Fix the Flow

​​

We split their finances into two frameworks:
 

 

• One for their consistent income stream - to handle daily living, regular saving, and super contributions.

• One for bonus income and RSU vesting - to plan ahead and avoid the “now what?” moment every time a large sum hits their account.
   

 

We also strengthened their emergency buffer - critical while Sam’s not earning - and set up a “cushion fund” for short - term goals and school holidays.
 

Step 2: De-Risk the Concentration

​​​

Leila had held onto a sizable chunk of stock from her last employer. It had performed well, but it was now a concentration risk.
 

So we built a system:

 

• Sell a set number of shares each quarter.

• Plan for tax upfront (because ATO doesn’t always withhold enough at vesting).

• Retain a small portion for long-term upside.
   

No trying to time the market. Just a clean, repeatable strategy that lets them build diversified wealth - without betting the farm on one company.

​

Step 3: Plan for New RSUs

​​

Her new role came with a fresh equity package - more RSUs, vesting over time.

​

This time, we structured a plan before the first vesting date hit. That meant preparing for the tax implications (especially if the value pushes her into a higher tax bracket or triggers Division 293).

​

We earmarked future sales for long-term capital gains tax treatment where possible, and aligned the proceeds with specific goals - like topping up super, investing in diversified ETFs, and eventually buying back family time.

​

Cherry on top: We kept some of the RSU in a new structure saving them 32% on tax.

​

Step 4: Make the Whole Thing Coherent

​

Their situation wasn’t a mess - it was just uncoordinated.
 

Super here, shares there, offset accounts, a rental mortgage, school expenses… it all felt scattered.
 

We brought everything together - equity comp, property, long-term savings into one unified strategy.
 

Now they can see clearly:
 

 

• Where they are.

• Where they’re heading.

• What trade-offs are involved when life changes.
   

 What Changed?

​

They’re not “done.” But they’re not winging it anymore.

​

Leila’s thriving at work. Sam’s focused on school. And together, they’ve started dreaming again - maybe a sabbatical once Sam graduates, maybe some travel, maybe a slower season with the kids before high school hits.

​

They’re not trying to maximise every cent. They’re designing a life that works for them.

​

Let’s Take the Next Step​​​

​

A new financial year starts today.

​

This is a great checkpoint to assess your progress, course-correct where needed, and take a smarter approach to tax, RSUs, and wealth-building.

​

If you're juggling high income, lumpy bonuses, and stock vesting - but unsure how to bring it all into focus—this is exactly what the Confident Choice System is built for.

​

Let’s talk. I’ll show you what’s possible.

​

Ps: June and July client spots have been filled and I got only 5 clients spots available in August

​​

Whenever you're ready, here are a few ways I can help

​

1. Listen to my Podcast  -  real financial strategies for tech pros, no boring jargon.
    

2. The Wealth Byte Newsletter  -  quick, no-fluff emails twice a month.
    

3. Work 1:1 with me  -  build a strategic, work-optional financial plan.
    

4. Follow me on LinkedIn  -  over 3,000 tech pros already do.
    

5. Wealth Bytes - You Tube  - bite-sized videos on investing, equity, tax strategies, and building real wealth.

​

Personal Update

​

So, what’s the best thing I’ve spent money on this year?

​

Easy one - the Roborock robotic vacuum. The kids are obsessed with chasing it, and I’ve become low-key addicted to the clean floor lines it leaves behind. (Oddly soothing.)

​

And with midyear coming up? I'm looking forward to reflecting on the wins so far- and setting up for a strong second half of the year.

​

Hope you're doing the same.