Menlo Asset Management

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Menlo Asset Management Wealth Management for Menlo Park

• RSU Strategy • Investment Services • Retirement Planning • Financial Planning

Independent advice for local professionals.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer. Member FINRA/SIPC. finra.org sipc.org. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

• The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.​

10/19/2026

The biggest retirement risk may not be a market crash. It may be retiring without a plan for how your money will last.

For many Bay Area professionals, building wealth is only half the equation. The other half is turning that wealth into a sustainable financial future.

As retirement approaches, important questions deserve attention:

Income: How will your investments support your lifestyle when your paycheck stops?

Taxes: Are you considering the tax implications of withdrawals across your retirement accounts?

Risk: Does your portfolio reflect your actual time horizon and financial needs?
Legacy: Are your assets structured to support the people and causes that matter most to you?

At Menlo Asset Management, we help individuals and families navigate investment management, retirement planning, risk management, and legacy planning with a personalized approach.

Based in the Bay Area, our goal is to help clients make informed financial decisions with greater clarity and confidence.

Because building wealth is important. Having a thoughtful strategy for what comes next is just as critical.

Have questions about your financial future? Connect with our team.

Contact Menlo Asset Management: https://www.menloasset.com/contact_us/

10/12/2026

The hidden risk of a high-income career in the Bay Area isn’t always spending too much. It’s having too much of your financial future tied to one company.

For many Silicon Valley professionals, compensation extends far beyond a paycheck. RSUs, stock options, and employee stock purchase plans can turn a successful career into a concentrated investment portfolio.

Consider a hypothetical executive whose salary, annual bonus, and vested equity all depend on the same employer. If that company experiences a downturn, their income and investment portfolio could decline simultaneously.

That’s a form of financial concentration that deserves more attention.

Three questions worth asking:

• Liquidity: How much of your net worth can you access without selling company stock?

• Diversification: If your employer’s stock fell 40%, would your long-term financial goals still be on track?

• Tax strategy: Are your equity vesting events, capital gains, and future liquidity needs being considered together?

Building wealth is one challenge. Making sure that wealth can withstand setbacks is another.

For Bay Area professionals navigating equity compensation, a thoughtful financial plan should look beyond how much you earn and consider how much of your financial future depends on a single source.

At Menlo Asset Management, we believe long-term financial decisions should be guided by a comprehensive plan, not just a growing account balance.
Your career may be concentrated. Your financial future doesn't have to be.

10/09/2026

The hidden cost of waiting to invest.

One of the most overlooked factors in long-term wealth building isn't market timing. It's time itself.

Consider two investors:

Investor A invests $10,000 annually from age 25 to 35, then stops contributing.
Investor B waits until age 35 and invests $10,000 annually until age 65.

Assuming a hypothetical 7% annual return, compounded annually, Investor A could accumulate approximately $602,000 by age 65, while Investor B could accumulate approximately $944,000.

Despite contributing for only 10 years, Investor A benefits significantly from giving those early investments more time to compound.

The lesson isn't that investing early guarantees better results. It's that delaying investment can carry a real opportunity cost.

At Menlo Asset Management, we believe thoughtful financial planning means looking beyond today's market headlines and focusing on the decisions that shape your long-term financial future.

The right time to build wealth is rarely as far away as you think.

Contact us here: https://www.menloasset.com/contact_us/

10/07/2026

A 20% position in one stock can quietly become a 50% position.

This happens more often than investors realize—especially after years of holding:

• RSUs and company stock

• Concentrated positions from an early investment

• Stock received through an acquisition

• A long-term position that simply outperformed everything else

The problem isn't necessarily that the company is bad. The problem is that your portfolio can start depending on one company's outcome.

For Bay Area executives, founders, and professionals with significant equity compensation, diversification isn't always as simple as “sell the stock.”

Taxes, capital gains, liquidity needs, upcoming vesting schedules, and long-term goals all matter.

The better question is:

How much concentration can your financial plan actually afford?

At Menlo Asset Management, we help clients look beyond individual investments and evaluate how their entire portfolio fits together.

If a single position has become a surprisingly large part of your wealth, it may be worth having a conversation before the next market move makes the decision for you.

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10/05/2026

A surprisingly overlooked opportunity for Bay Area investors: tax-loss harvesting after a concentrated stock run-up.

For investors holding large positions in individual stocks, a portfolio can become unintentionally concentrated—especially after years of RSUs, ESPP purchases, or company equity appreciation.

But there’s an important nuance:

A position doesn’t have to be “bad” to create a tax-planning opportunity.

Strategically realizing losses in other investments can potentially offset capital gains elsewhere in the portfolio, while maintaining a similar market exposure through carefully selected replacement investments.

The goal isn’t to sell simply because something is down.

It’s to ask:

Where can portfolio management and tax planning work together?

For Bay Area executives and professionals with significant equity compensation, that distinction can matter.

10/02/2026

The Bay Area wealth question most people don’t ask: How much of your net worth is tied to the same economy that pays you?

For many Bay Area professionals, the answer is: a lot.

Your salary may come from a technology or life-sciences company.

Your equity compensation may be tied to the same sector.

Your home may be exposed to Bay Area real estate.

And your portfolio may have significant exposure to the same companies driving the local economy.

That can create a concentration risk that isn’t obvious on a traditional investment statement.

The goal isn’t necessarily to eliminate that exposure. It’s to understand it.
For Bay Area households navigating RSUs, concentrated stock positions, real estate, and long-term wealth planning, looking at the whole balance sheet—not just the investment account—can change the conversation.

At Menlo Asset Management, we help clients look at those pieces together and build a strategy around their broader financial picture.

09/30/2026

One of the most overlooked risks in a portfolio isn't volatility. It's correlation.

September has offered an interesting reminder.

The 10-year Treasury yield has risen roughly 80 basis points since July, reaching levels not seen in years.

Yet equities have remained relatively resilient.

That matters because many investors think of stocks and bonds as natural counterweights.

But diversification isn't simply owning different asset classes.

It's owning assets that respond differently to the same economic forces.

If inflation, fiscal policy and interest rates are driving both sides of the portfolio, the traditional relationship between stocks and bonds can change.

The better question isn't:

“Do I own stocks and bonds?”

It's:

“What risks are actually driving my portfolio—and how many of my holdings are exposed to the same one?”

That's a much more useful conversation when evaluating a portfolio.

09/28/2026

AI’s next investment story may have less to do with chips—and more to do with electricity.

The rapid expansion of AI data centers is creating a less obvious investment theme: power demand.

Training and operating increasingly powerful AI models requires enormous amounts of electricity, putting pressure on data-center operators, utilities, transmission infrastructure, and the broader power grid.

That creates a second-order question for investors:

Who supplies the infrastructure required to support the AI boom?

The opportunity set potentially extends beyond the companies building AI models and semiconductors to areas such as:

• Power generation

• Grid modernization

• Electrical equipment

• Data-center infrastructure

• Natural gas and other energy sources

• Utilities serving major data-center markets

The important distinction is between a compelling economic trend and an attractive investment at a particular valuation.

AI may continue reshaping the economy—but investors still need to consider price, concentration, cash flow, and long-term fundamentals.

At Menlo Asset Management, we look beyond the headline to understand how major economic trends can affect a diversified portfolio.

Address

1010 El Camino Real
Menlo Park, CA
94025

Opening Hours

Monday 6:30am - 5pm
Tuesday 6:30am - 5pm
Wednesday 6:30am - 5pm
Thursday 6:30am - 5pm
Friday 6:30am - 5pm

Telephone

+16503216068

Website

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