Three decades of RSU grants, 401(k) contributions, pension accruals, and performance bonuses. When it's time to convert that career into a retirement income, the complexity doesn't simplify itself. We build the integrated plan that ties it all together — wealth, taxes, and life — for engineers, managers, directors, and executives across the Energy Corridor.
Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. LUCA Wealth Management and CreativeOne Wealth, LLC are unaffiliated entities. We are not affiliated with or endorsed by any employer referenced herein. Investing involves risk, including possible loss of principal.
The Energy Corridor is one of the most concentrated wealth-creation environments in the country. The professionals who build careers here — at BP, Shell, ConocoPhillips, CITGO, Enbridge, and dozens of midstream, engineering, and services firms — carry financial complexity most advisors are not equipped to manage. We are.
We are not affiliated with or endorsed by these companies. Company names are referenced for descriptive purposes only.
Most financial advisors can manage a 401(k). Fewer understand what happens when a pension election, vesting RSUs, IRMAA thresholds, and a concentrated stock position all converge in a 24-month window. We plan for that moment years in advance.
RSUs vest as ordinary income regardless of whether you sell. We model the hold-vs-sell decision against your tax bracket, concentration risk, and retirement timeline — before the vesting event, not after.
The lump sum vs. annuity decision is irreversible. We stress-test both options against longevity, spousal income need, IRMAA exposure, and your complete financial picture before the election deadline.
A single year of elevated income — from a Roth conversion, RSU vest, or pension rollover — can increase Medicare premiums by $3,000–$12,000 per year, two years later. We project IRMAA exposure years in advance.
Holding 20–40% of your net worth in a single energy company carries both market and employment risk simultaneously. We build a tax-efficient diversification plan that manages both without triggering a tax event unnecessarily.
The gap between your last paycheck and age 73 — before Required Minimum Distributions begin — is often the highest-value tax planning window of your financial life. We model multi-year conversions coordinated with Social Security timing and pension income.
Through our partnership with LUCA Financial CPAs, your retirement income plan is built with the tax plan, not around it. Roth, IRA, taxable, pension, Social Security — sequenced for maximum after-tax income over your lifetime.*
* LUCA Wealth Management and LUCA Financial are separate entities. Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. We do not provide tax or legal advice; tax services are provided by LUCA Financial, a separate CPA firm. Investing involves risk, including possible loss of principal.
15–25 years at a major energy company. Pension estimate in hand. RSUs still vesting. Medicare 3–4 years away. The pension election, Roth conversion window, and IRMAA planning all converge in the next 36 months. This is the most consequential planning period of your financial life — and the one where the right decisions are still available.
$300K–$800K in the 401(k), RSUs accruing, dual income, Katy or Cinco Ranch home. No formal financial plan yet. The questions: Am I invested correctly? When should I be doing Roth conversions? What do I do when these RSUs vest? The window to optimize is open — and the compounding value of getting it right now is measured in six figures over the next decade.
NQDC elections, large RSU grants, performance cash, concentrated stock, net worth $2M–$8M+. Likely already working with an advisor who doesn't understand your benefits package, doesn't do taxes, and isn't in your neighborhood. The gap between a generalist advisor and one who understands your ConocoPhillips VCIP or your BP Share Value Plan is a real and measurable difference in outcomes.
This material is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance does not guarantee future results. Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser.
Our office at 24285 Katy Fwy, Suite 300, Katy, TX sits 10 minutes from the Energy Corridor on I-10. When a benefit change announcement drops, when a voluntary separation package arrives, when the pension election deadline appears in your inbox — we're available for a same-week conversation, not a two-week intake queue. You work with Jonathan directly. Not a junior associate. Not a call center. Jonathan.
When restricted stock units vest, they are taxed as ordinary income at the fair market value on the vest date — regardless of whether you sell. The decision to hold or sell depends on your concentration risk, tax bracket, cash flow needs, and how the position fits your overall portfolio. Holding concentrated employer stock after vesting adds both investment and employment risk simultaneously. We model the sell-diversify-hold tradeoff against your complete tax picture before recommending any action. This is informational only and not investment or tax advice.
IRMAA (Income-Related Monthly Adjustment Amount) is a Medicare premium surcharge triggered when modified adjusted gross income exceeds IRS thresholds — currently $206,000 for married couples filing jointly. Senior engineers and managers at major energy companies often have W-2 income, pension payments, RSU vesting events, and 401(k) distributions that can push them into IRMAA brackets without careful planning. We build multi-year income projections that account for IRMAA thresholds 2–3 years ahead of retirement, when the options to reduce exposure are still open. This is informational only and not tax advice.
Luca Wealth Management is located at 24285 Katy Fwy, Suite 300, Katy, TX 77494 — approximately 10 minutes from the Energy Corridor on I-10. We specialize in the financial complexity that comes with a career at a major energy company: pension elections, RSU planning, IRMAA strategy, concentrated stock, and coordinated tax planning through our sister firm LUCA Financial. We are not affiliated with or endorsed by any employer named here.
The most impactful planning window is 3–7 years before your target retirement date. At that stage, RSU vesting schedules can still be managed for tax efficiency, Roth conversion opportunities are available before income drops, pension estimates can be modeled with multiple election scenarios, and IRMAA planning has time to take effect. Waiting until the pension election paperwork arrives leaves most of the optimization off the table. A 30-minute conversation is enough to identify whether your current financial picture has gaps worth addressing. This is informational only and not investment or tax advice.
A 30-minute conversation is enough to identify whether your current financial picture has planning gaps worth addressing. No sales pitch. No obligation. Just clarity.
Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. LUCA Wealth Management and CreativeOne Wealth, LLC are unaffiliated entities. We are not affiliated with or endorsed by BP, Shell, ConocoPhillips, CITGO, Enbridge, or any other employer referenced herein. Company names are referenced for descriptive purposes only. This material is for informational purposes only and does not constitute investment, tax, or legal advice. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results.