Financial planning for tech professionals after an equity windfall.
For households with $1.2 million or more invested: a plan for your company stock, your taxes, and when work could become optional. Fee-only and fiduciary.
You’ve outgrown DIY. But that doesn’t mean you want a traditional advisor.
You're earning more, saving more, and dealing with more complexity than ever: stock options, multiple income streams, real estate decisions, growing families, and a tax bill that keeps surprising you.
We help you slow down, zoom out, and make thoughtful financial decisions that reflect your actual life, not just your spreadsheets.
Don’t take our word for it. See what our clients have to say.
5.0 from 19 reviews on Wealthtender
“TJ has done an amazing job translating our financial picture in a way that brings both my wife and I much valued peace of mind. To me, that’s the whole point of financial advisory and TJ sets the example.”
“…when I started working for a company that provided me with a lot of stock options and benefits I felt in over my head. I reached out to TJ and he walked me through all my options and now helps me take advantage of them in ways that make sense for my current financial/life goals.”
“TJ is great, he's helped me and my family develop a solid plan for strengthening our financial position and set a clear path for retirement. Highly recommend.”
Read all reviews on Wealthtender See our Google reviews
Reviews are from current and former clients, shown as of October 2026. Reviewers were not paid. Testimonials may not represent other clients’ experiences and are no guarantee of future performance or success.
Is Memento FP right for you?
Wants Help Delegating
You’re done doing it alone. You’ve been managing finances on your own, but the complexity has outgrown your bandwidth. You want a proactive expert in your corner, not someone waiting to be asked.
All while keeping you informed and in control.
Receives Equity Compensation
At least one of you has equity comp. RSUs, ISOs, ESPP: you’re sitting on real wealth-building potential and you want to make sure you’re not leaving money on the table or handing it over to the IRS unnecessarily.
Household Financial Profile
You have real assets to plan around. Most clients have $1.2 million or more invested, often after an IPO, a tender offer or years of RSUs. If you’re earlier on, we’re happy to point you toward the right resources.
Long-Term Partnership
You’re thinking long-term. You’re not looking for a one-time transaction. You want a relationship with someone who knows your full picture and grows with you as your life changes.
When could work become optional?
A quick, private calculator for households with equity comp: your “enough” number, what spending costs in time, and how much rides on one company’s stock.
Meet Your Dedicated Financial Planner
“I’m T.J. van Gerven, a fee-only, fiduciary financial planner based on Martha’s Vineyard. I started Memento Financial Planning because I kept seeing the same thing: smart, high-earning tech professionals, people who are genuinely good with money, drifting through critical financial decisions without a real plan.
I specialize in dual-income tech households navigating equity compensation: RSUs, ISOs, ESPP, the whole stack. My job is to make sure you’re not leaving money on the table, paying more in taxes than you have to, or making irreversible decisions without thinking them through first.
Fee-only means I don’t earn commissions. Fiduciary means your interests come first. Always.”
How we work together
Life Design Beyond Wealth Accumulation
Financial Planning A comprehensive plan built around your goals, not a generic template. We help you figure out what you’re actually optimizing for, and build a path to get there.
Tax Optimization
Tax Strategy Proactive, year-round tax planning instead of a recap in April. We help you keep more of what you earn through smart sequencing, equity planning, and long-term tax diversification.
Investment Strategy Implementation
Investment Management A disciplined, low-cost investment approach designed to build wealth efficiently, without chasing performance or paying for what doesn’t work.
A Partner Through Every Decision
Ongoing Advisory Planning timed to the year’s key decisions, plus a direct line to your planner whenever life moves faster than the schedule.