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Charles Mott, Cetera Investors

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United States
Latham, NY
Charles Mott, Cetera Investors

I help individuals and families create a detailed roadmap to achieve what matters most to them.

I specialize in working with professionals in engineering, IT, software, and medical fields, as well as small business owners.

03/30/2026

Let me ask you something…

What is ONE decision about your equity comp worth over the next 10 years?

$10,000?
$50,000?
$100,000… or more?

Here’s the part nobody tells you:

Most people don’t lose that money because they made a bad move.

They lose it because they froze.

They waited.
They hesitated.
They told themselves, “I’ll figure it out later.”

And later… cost them six figures.

I recently walked through a real case like this.

Smart person. High income. Good investments.

But no clear plan around:

* Taxes
* When to sell
* How to diversify

So they did what most people do…

Nothing.

And that “nothing” turned into a very expensive decision.

In this short webinar, I’ll show you:

* The exact situation
* Where things went wrong
* What should have happened
* A simple framework so you don’t get stuck

If you make over $200k and have equity comp, this is for you.

Date: April 7, 2026
Time: 2:30 PM EST
Send a direct message to reserve your spot today.

03/23/2026

Why do so many high income professionals get equity compensation wrong?

Because it feels like an investment decision, when it’s really a tax and planning decision first.

RSUs, ISOs, NSOs, ESPPs all work differently. The timing matters. The tax treatment matters even more.

Where mistakes usually happen:
• Exercising options without modeling AMT
• Letting RSUs pile up without a diversification plan
• Making decisions based on emotion instead of math

I’m breaking this down in a focused 30 minute webinar for professionals who want to be proactive instead of reactive.

If equity comp is part of your income, this will be worth your time.

Date: April 7, 2026
Time: 2:30 PM EST
Send me a message to reserve your spot today.

03/16/2026

If your company paid you in cash instead of stock, would you turn around and invest all of it back into that same company?

Probably not.

Yet I regularly see 30 to 60 percent of someone’s net worth tied up in employer stock.

Not because they made a deliberate decision.
It just accumulated over time.

What we’ll cover in this session:
• When selling makes sense
• How to diversify without creating a tax problem
• How equity should fit into your overall financial plan

This isn’t about predicting stock prices. It’s about reducing risk and being intentional.

Free 30 minute webinar.
April 7, 2026 2:30 PM EST
Send me a message to reserve your spot today.

03/02/2026

Do you actually know how much of your equity compensation you keep after taxes?

Most people don’t.

They see the vest amount and assume that’s what they made. Then tax season hits.

The common issues I see:
• RSU withholding that isn’t high enough
• AMT surprises with stock options
• Selling shares without realizing the tax impact

Equity comp is often the biggest part of someone’s income and the least coordinated.

I’m running a 30 minute session walking through how to think about RSUs, options, and ESPPs in a more strategic way.

If equity is part of your pay, this will be practical and straight to the point.

April 7, 2026 2:30 PM EST
Send me a direct message to reserve your spot today.

02/02/2026

🚀 Kickstart Your 2026 Financial Roadmap (Free Webinar)

Ready to build a bulletproof 2026 financial checklist? Join Charles Mott, CFP®, CPA, RICP® for a targeted webinar for professionals and business owners.

We cover 6 essential pillars in under an hour:

✅ Insurance & Risk Management
✅ Investment Management
✅ Mid-term Goals
✅ Estate Planning
✅ Tax Strategies

Secure your long-term security.

📅 Date: February 10, 2026
🕒 Time: 1:30 PM EST
💻 Registration: Send me a message to reserve your spot

Don't wait to gain clarity. Reserve your spot today!

01/26/2026

🤔 Are you optimizing your Roth vs. Traditional contributions? Or maximizing your stock compensation?

You work hard for your income; make sure you're keeping it.

Many high-earning professionals miss key opportunities to manage risk and minimize taxes. We're breaking down these specific challenges in a focused, 50-minute agenda.

This isn't a generic pitch—it’s an actionable outline addressing your specific concerns:
• How to handle Long-Term Disability and Life Insurance needs.
• Strategies for Stock Compensation and Annuities.
• Tax tactics like Roth conversions and equity compensation management.

Join Charles Mott, CFP®, CPA, RICP® online to tackle these exact issues head-on.

When: February 10th @ 1:30 PM EST
Where: Zoom/Webinar Link
Cost: Free to attend.

Spaces are limited to ensure quality Q&A time. Direct message me for the registration link before spots fill up!

01/21/2026

Get Your Complete 2026 Financial Blueprint 📋

Worried you might be missing a critical step in your 2026 financial planning? Don't navigate complex decisions alone.

Join Charles Mott, CFP®, CPA, RICP® for a free, virtual webinar designed specifically for professionals, including engineers, IT specialists, business owners, and healthcare professionals.

We’ll walk you through a comprehensive 6-point checklist to secure your financial future, from immediate tax strategies to long-term estate planning.

What we'll cover:
• Risk Management: Critical insurance and debt strategies
• Investments: Optimizing retirement & nonqualified accounts
• Mid-Term Goals: Planning for homes and education
• Estate Planning: Wills, trusts, and beneficiary reviews
• Tax Strategies: Roth conversions and equity compensation tactics

Webinar Details:
🗓️ Date: February 10th
🕕 Time: 1:30 PM EST
💻 Location: Online (Link provided upon registration)

Gain the clarity you need to move forward confidently.

➡️ Register via DM to secure your virtual seat!

01/05/2026

Worried about your long-term financial security or tax strategies for 2026? 🤔

Don't navigate complex financial decisions alone. I'm hosting a free seminar next week tailored for business owners, IT pros, engineers, and healthcare professionals to tackle these exact challenges head-on.

We'll dive into actionable insights on:
• Tax strategies on equity compensation
• Effective investment management
• Blueprint for mid-term goals like education funding or buying a home

Event details:
• When: Jan 13 @ 6:30 PM
• Where: Albany Thruway Courtyard by Marriott

Join us for the "2026 Financial Kickstart" to gain the clarity you need.

Send me a message to reserve your spot today.

12/17/2025

Kickstart your 2026 financial planning! 🚀

Join Charles Mott, CFP®, CPA, RICP® from Northwestern Mutual, for a specialized seminar designed for professionals like engineers, IT specialists, business owners, and healthcare professionals. This is your chance to get ahead and set a clear financial roadmap.

We'll cover 5 essential topics to build your financial checklist:
• Insurance & Risk Management
• Investment Management
• Mid-term Goals (education, house, etc.)
• Estate Planning
• Tax Strategies

🗓️ Date: Tuesday, January 13th
🕕 Time: 6:30 PM
📍 Location: Albany Thruway Courtyard by Marriott
🎟️ Registration: Free!

Send a direct message to secure your spot and start building a more prosperous 2026.

09/18/2025

In today's unpredictable world, the idea of maintaining a robust rainy day fund is more crucial than ever. While conventional wisdom often suggests setting aside 3 to 6 months' worth of expenses, determining the right amount for your situation involves a nuanced approach. Here are some considerations to help guide your decision:

Income Streams: If you have multiple sources of income, you might feel comfortable keeping a leaner emergency fund. Diversified income can provide a safety net, reducing the necessity for a larger reserve.

Asset Ownership: Owning significant assets like homes or cars may necessitate additional savings. These assets can incur unexpected expenses—think repairs or maintenance—that could impact your financial stability.

Industry Stability: Your professional field plays a significant role in how much you should save. For instance, careers in tech might face higher volatility and layoffs compared to more stable positions like tenured teaching roles.

These factors offer a starting point for evaluating your financial needs. However, engaging with a financial advisor can provide personalized insights tailored to your unique circumstances. Remember, while these guidelines can inform your strategy, professional guidance ensures your financial planning aligns with your goals and risk tolerance.

08/13/2025

I am proud to be part of Northwestern Mutual's award-winning internship program for the last 4 summers. It has been great assisting the future leaders in our industry get started. If you know anyone who is interested in an internship in the financial planning field, don't hesitate to reach out.

Address

19 British American Blvd
Latham, NY
12211-1008

Opening Hours

Monday	10:30am - 5pm
Tuesday	10:30am - 5pm
Wednesday	10:30am - 5pm
Thursday	10:30am - 5pm
Friday	10:30am - 5pm

Website

https://cetera.com/advisors/cetera-investors

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