Business Details
Your Trusted Financial Partner for Tax-Efficient Planning
MWB Financial Planning was founded to help high-earning professionals bring clarity and purpose to their financial lives. Our team specializes in tax-focused financial planning for dual-income households managing equity compensation, complex tax scenarios, and life transitions. With credentials including CERTIFIED FINANCIAL PLANNER certification and fiduciary status, we combine technical expertise in equity compensation strategies, tax optimization, and investment planning with a values-driven approach.Our process emphasizes proactive tax planning, documented decision frameworks, and technology-enabled financial systems tailored to clients' evolving needs. We serve clients nationwide while maintaining a strong presence in Massachusetts, where our firm is registered as a Registered Investment Adviser.
Services
Tax Planning
Equity Compensation Management
Investment Strategy
Life Transition Planning
Cash Flow Management
Wealth Optimization
Highlights and features
- We specialize in equity compensation planning for high-income professionals
- Our tax-focused strategies optimize long-term financial outcomes
- We implement documented decision frameworks for complex scenarios
- Fiduciary commitment with fee-only, commission-free advisory services
- Technology-enabled financial planning using RightCapital and Holistiplan
Associations and certifications
- CERTIFIED FINANCIAL PLANNER
- Registered Investment Adviser
What people say
Exceptional tax planning expertise
Clear equity compensation guidance
Proactive approach
Personalized strategies
Technology integration
Services
Tax Planning
Proactive tax planning strategies tailored to high-income professionals. We analyze tax returns, identify safe harbor requirements, and implement AMT credit strategies. Our approach focuses on long-term tax diversification and efficiency through documented planning frameworks.
Equity Compensation Management
Specialized management of ISOs, NSOs, and RSUs with complex vesting schedules. We create documented exercise/sell strategies, optimize tax treatment, and provide scenario modeling using Holistiplan for clients receiving equity compensation.
Investment Strategy
Custom investment strategies aligned with financial goals and tax efficiency. We implement rules-based approaches for market returns while maintaining tax-advantaged account optimization and automated investment systems for excess cash.
Life Transition Planning
Guidance through major life changes including real estate decisions, career shifts, and family planning. We create if/then decision trees and cash flow plans to navigate transitions with confidence and financial clarity.
Cash Flow Management
Comprehensive cash flow management solutions for high-income households. We develop automated systems for expense tracking, savings prioritization, and investment allocation using technology tools to reduce financial decision fatigue.
People
T.J. van Gerven
Founder & Financial Planner
T.J. van Gerven is the founder of MWB Financial Planning and a CERTIFIED FINANCIAL PLANNER. He specializes in helping high-earning professionals manage equity compensation and complex financial situations. With a focus on tax efficiency and intentional wealth management, T.J. brings over a decade of experience in financial planning for clients nationwide.
Questions
What types of clients do you specialize in?
We work with high-earning professionals managing equity compensation, complex tax situations, and life transitions, typically with $300k+ income and $500k+ investable assets.
How do you handle equity compensation planning?
We create documented strategies for ISOs, NSOs, and RSUs using Holistiplan modeling, AMT optimization, and tax-loss harvesting techniques tailored to your specific situation.
What planning tools do you use?
We utilize RightCapital for comprehensive financial planning, Holistiplan for equity compensation modeling, and Knudge for implementation tracking with quarterly progress meetings.
Are you a fiduciary advisor?
Yes, we are a fee-only fiduciary firm with no commissions, providing objective financial advice registered as an Investment Adviser in Massachusetts and New York.
How do you approach tax planning?
Our proactive tax planning includes annual return analysis, safe harbor projections, AMT credit management, and Roth conversion opportunities to optimize long-term tax efficiency.
Reviews (5)
Cade Madison
Nov 29, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I've worked with MWB for some time now and they've helped me organize and stay intentional, focused, and disciplined on my path. Highly recommend if you're looking to plan and structure for long term financial freedom.
I've worked with MWB for some time now and they've helped me organize and stay intentional, focused, and disciplined on my path. Highly recommend if you're looking to plan and structure for long term financial freedom.
Brittany P.
Aug 20, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I highly recommend working with TJ - his experience and sound advice make him a great advisor for young professionals, whether they're looking to achieve financial independence or just get more intentional about managing their finances.
I highly recommend working with TJ - his experience and sound advice make him a great advisor for young professionals, whether they're looking to achieve financial independence or just get more intentional about managing their finances.
Max Berlow
Jul 14, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Can not recommend enough! Having TJ as my financial advisor has made my life so much easier and more productive. Do yourself a favor and set up a meeting. 100% worth it.
Can not recommend enough! Having TJ as my financial advisor has made my life so much easier and more productive. Do yourself a favor and set up a meeting. 100% worth it.
Kendra Lopes
Jun 25, 2021
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My experience with Modern Wealth Builders has been so beneficial. TJ has helped me get organized and is putting forth my financial goals. He is looking out for my best interest and really knows his stuff! He takes the time to walk through getting the tasks done and is very responsive to any questions you have at any time. I highly recommend and would gladly refer him to all of my friends and family.
Ankit Lodaya
Jun 18, 2021
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We have been working with TJ for more than 4 months now. We have learnt a good deal about managing our finances and about the many options available to effectively allocate our money. TJ is very systematic and progresses with our understanding. I appreciate his availability and readiness to answer our very nave questions. We feel confident after collaborating with him. Highly recommend MWB as we benefited working with him.
