Financial clarity for tech couples with equity comp.
Tax strategy, equity planning, and a financial plan built around your actual life — fee-only, always.
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.
Is Memento FP right for you?
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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.
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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.
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Your numbers are in the right range. Our clients typically have $300K+ in household income and $500K+ in investable assets. If you're not there yet, we're happy to point you toward the right resources.
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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.
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.”
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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.
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Tax Strategy Proactive, year-round tax planning — not just a recap in April. We help you keep more of what you earn through smart sequencing, equity planning, and long-term tax diversification.
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Investment Management A disciplined, low-cost investment approach designed to build wealth efficiently — without chasing performance or paying for what doesn't work.
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Ongoing Advisory Quarterly progress meetings tied to your financial milestones, plus continuous access when life changes faster than the schedule does.