Where we work
Planning for Colorado executives and physicians
A concentration of medtech, biotech, and aerospace employers means Colorado clients arrive with equity questions more often than anything else.
Context
Who we work with in Colorado
Colorado has a dense cluster of the employers whose compensation we work on most: medical device and biotech along the Front Range, aerospace and defense around Colorado Springs and Denver, and a deep technology base in Boulder and Denver.
That produces a specific set of questions. What to do with RSUs that keep vesting. Whether to exercise options before a liquidity event. How much employer stock is too much when your salary depends on the same company. Whether an acquisition is going to change everything about your comp.
Because Colorado taxes income at a flat rate rather than graduated brackets, state-level planning shifts from bracket management to recognition timing: which year the income lands in, and whether you will still be a Colorado resident then.
What is different here
Planning considerations specific to this place
A flat state rate changes the emphasis
With a single rate rather than graduated brackets, moving income between years does less at the state level. Federal bracket planning and the timing of recognition carry the weight instead.
Equity-heavy employers concentrate risk
Medtech, biotech, aerospace, and technology employees frequently hold a large share of net worth in one employer. Setting a concentration ceiling and a sale schedule is the most common piece of work.
Acquisitions and liquidity events are routine here
Companies in these sectors get acquired. Understanding what accelerates, what forfeits, and what your severance terms mean is worth doing before an announcement, not after.
Relocation cuts both ways
People move to Colorado and away from it. Either direction raises questions about how equity income is sourced and when residency changes for tax purposes.
Coverage
Cities and metros across Colorado
- Denver
- Boulder
- Colorado Springs
- Fort Collins
- Louisville
- Lafayette
- Broomfield
- Longmont
- Aurora
- Littleton
- Golden
Who we help
Find your situation
- Where we start→
Medtech executives
Base, bonus, RSUs, options, maybe a deferred comp election you make every fall. Four moving parts, four different tax treatments, and no one looking at them together.
- Where we start→
Physicians & specialists
High income, a shorter runway, real exposure if you cannot practice, and less time than almost anyone to think about any of it.
- Where we start→
Business owners
Your balance sheet, your income, and your identity all point at the same asset. Planning has to start with that concentration rather than ignore it.
- Where we start→
Corporate executives & CFOs
Most of the CFOs we work with say the same thing with a smile: rigorous about the company's balance sheet, and running personal decisions on autopilot for years.
Straight answers
Working together in Colorado
Yes, and it is the most common reason Colorado clients get in touch. The work centres on equity compensation: mapping every grant, working out the tax cost of the next twelve months of vesting, setting a concentration limit, and building a sale schedule that gets you there.
It means shifting income between years does relatively little at the state level, unlike a graduated-bracket state. The planning value moves to federal bracket management, the additional Medicare tax, and deciding which year to recognize equity income, particularly if a move to another state is on the horizon.
Yes. Colorado is one of the states where registration is in place and where a number of current clients live. The relationship runs over video and email.
This material is for general educational purposes only and is not intended as tax, legal, or investment advice. Neither GGM Wealth Advisors nor Cambridge provides tax or legal advice. Please consult a qualified professional about your specific situation.
Let's start with a conversation
Bring whatever is on your mind: a vest date you are unsure about, an offer you are weighing, a business you might sell in three years. Nothing to prepare, no cost, and you will leave with something useful whether or not we end up working together.