Concurrent Wealth Management

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Concurrent Wealth Management Flat-fee fiduciary planning for Gen X professionals. Strategic tax, equity comp, & retirement clarity—so your wealth aligns with your life. Real advice.

We work with oil & gas execs and business owners. Real planning. Let’s align your wealth with purpose.

The standard retirement withdrawal order says to draw from taxable accounts first and Roth last.But in a retirement year...
10/16/2026

The standard retirement withdrawal order says to draw from taxable accounts first and Roth last.

But in a retirement year where a lump-sum deferred compensation distribution has already filled the bracket, that order can work against you.

Taxable account draws add to an income stack that is already full and may bring the Net Investment Income Tax into play, while Roth withdrawals don’t add to the stack at all. In years with bracket room, the standard order still applies.

We work with oil and gas executives to map the heavy income years first, then decide which account to draw from in each one.

Read more on the Wealth Word™ blog: concurrentfp.com/retirement-income-withdrawal-order-oil-gas-executives

The standard retirement withdrawal order works for most retirees.But for many oil and gas executives, the retirement inc...
10/14/2026

The standard retirement withdrawal order works for most retirees.

But for many oil and gas executives, the retirement income picture includes two sources the rule doesn’t cover: nonqualified deferred compensation and PSUs that may settle after retirement.

Both arrive as ordinary income, and neither is discretionary. That can fill the bracket space planned for Roth conversions in the first years of retirement and move the real conversion window later.

We work with oil and gas executives to map those income events year by year first, then apply the standard rule to the discretionary accounts.

Read more on the Wealth Word™ blog: concurrentfp.com/retirement-income-withdrawal-order-oil-gas-executives

If you hold a large balance of unvested PSUs and RSUs, do you know what happens to them at death or disability?Some plan...
10/09/2026

If you hold a large balance of unvested PSUs and RSUs, do you know what happens to them at death or disability?

Some plans accelerate all unvested awards. Others prorate based on how much of the performance period has elapsed. Others forfeit them entirely, regardless of tenure.

For an executive with $1 million or more unvested, the treatment can change the estate picture, and the answer comes from the plan document, not from general assumptions about equity compensation.

We work with oil and gas executives to read the plan terms first, then coordinate beneficiary designations, trust structures, and the diversification schedule around them.

Read more on the Wealth Word™ blog: concurrentfp.com/the-ultimate-guide-to-company-stock-concentrated-stock-planning-oil-gas-executives

Two oil and gas careers can mean two concentrated stock positions that look moderate on their own.Viewed as a household,...
10/07/2026

Two oil and gas careers can mean two concentrated stock positions that look moderate on their own.

Viewed as a household, they can add up to a much larger bet on one sector, because both employers are exposed to the same commodity and regulatory pressures.

That changes the planning questions: should each spouse's 10b5-1 plan run on the same calendar or be staggered around each employer's trading windows, and how do both sets of gains fit on one joint tax return?

We work with dual-career energy households to model both positions together before either plan is adopted.

Read more on the Wealth Word™ blog: concurrentfp.com/the-ultimate-guide-to-company-stock-concentrated-stock-planning-oil-gas-executives

For many oil and gas executives, company stock didn't become half of net worth through one bad decision.It built up one ...
10/05/2026

For many oil and gas executives, company stock didn't become half of net worth through one bad decision.

It built up one RSU and PSU vest at a time. The first step is measuring the position against every income source tied to the same employer, including salary, bonus, and deferred compensation.

From there, a 10b5-1 plan can reduce the position on a schedule, a hedge can manage downside risk on shares that can't yet be sold, and a multi-year tax plan can keep the unwind from creating a new problem.

We work with oil and gas executives to coordinate all three before any large sale.

Read more on the Wealth Word™ blog: concurrentfp.com/the-ultimate-guide-to-company-stock-concentrated-stock-planning-oil-gas-executives

The retirement date is usually treated as a lifestyle decision.For SLB executives with both a Supplementary Benefit Plan...
10/02/2026

The retirement date is usually treated as a lifestyle decision.

For SLB executives with both a Supplementary Benefit Plan distribution and open PSU performance periods, it's also a tax decision.

When the SBP distribution and a PSU settlement land in the same year, combined ordinary income can peak sharply.

Shift the retirement date by a single year, and the same total compensation can fall across two lower-income years instead of one high one.

We work with SLB executives to map both calendars before the retirement date is finalized.

Read more on the Wealth Word™ blog: concurrentfp.com/slb-psu-vesting-supplementary-benefit-plan-coordination

For many SLB executives, the SBP distribution election and the PSU vesting calendar were set at different points in a ca...
09/28/2026

For many SLB executives, the SBP distribution election and the PSU vesting calendar were set at different points in a career and have never been modeled against each other.

Near retirement, they can land in the same tax year, and the combined ordinary income can be higher than either projection showed alone.

The retirement date itself becomes a planning variable. A one-year shift may separate the two events without changing total compensation received.

We work with SLB executives to confirm the election on file, map open PSU performance periods, and model the income stack before the date is set.

Read more on the Wealth Word™ blog: concurrentfp.com/slb-psu-vesting-supplementary-benefit-plan-coordination

Most executives treat a large bonus as one decision: what do I do with this money?It's actually six decisions, and they ...
09/26/2026

Most executives treat a large bonus as one decision: what do I do with this money?

It's actually six decisions, and they have to happen in order.

Skip the order and the bonus gets spent, taxed, and invested reactively — and 18 months later there's nothing to show for it.

We help Houston energy executives set this sequence before the bonus arrives.

Read the full framework on the Wealth Word™ blog: concurrentfp.com/oil-gas-executive-bonus-planning

A $500K to $2M bonus can be the most consequential financial event of an oil and gas executive's career. It's also one o...
09/21/2026

A $500K to $2M bonus can be the most consequential financial event of an oil and gas executive's career. It's also one of the easiest to waste.

The pattern I see with Houston energy executives is consistent. The bonus arrives, the tax bill surprises, some money gets spent without a decision, some goes into the investment account reactively, and 18 months later nothing lasting has changed.

The fix is a framework built before the money arrives:
→ Cover the true tax liability first, not the 22% withheld
→ Maximize retirement accounts in the highest-leverage year
→ Eliminate high-rate debt
→ Reduce single-stock concentration
→ Name your lifestyle spend in advance
→ Invest what remains

Do you have a plan in place before the bonus lands?

Read more on the Wealth Word™ blog: concurrentfp.com/oil-gas-executive-bonus-planning

Most Halliburton executives treat the retirement date as a lifestyle choice. It's a financial variable.Because performan...
09/17/2026

Most Halliburton executives treat the retirement date as a lifestyle choice. It's a financial variable.

Because performance units deliver half in cash, the date relative to the performance period close determines not just whether an award vests but when that cash arrives as ordinary income — and whether it stacks against a NOPAT bonus and a largely irrevocable deferred compensation election in the same tax year.

We work with Halliburton executives to model three candidate retirement dates before one is set.

Read more on the Wealth Word™ blog: concurrentfp.com/halliburton-executives-retirement-timing-performance-units

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