# KB Financial Advisors

> Fee-only financial planning firm in San Francisco specializing in equity compensation, stock options (RSU, ISO, NSO, ESPP), QSBS qualification, AMT planning, and pre-IPO and post-liquidity wealth strategy for tech founders and FAANG employees. SEC-registered RIA.


## Services
- [Financial Advisors for Founders](https://kbfinancialadvisors.com/financial-advisors-for-founders/): Comprehensive wealth strategy for pre- and post-liquidity startup founders.
- [Financial Advisors for Tech Professionals](https://kbfinancialadvisors.com/financial-advisors-for-tech-professionals/): Equity-aware planning for FAANG employees and senior engineers.
- [Financial Advisors for Couples and Families](https://kbfinancialadvisors.com/financial-advisors-for-families/): Household-level planning for dual-income tech households.
- [Equity Compensation Planning](https://kbfinancialadvisors.com/equity-based-compensation/): Decision frameworks across RSUs, ISOs, NSOs, ESPP, and 83(b) elections.
- [RSU Tax Strategy](https://kbfinancialadvisors.com/rsus-taxation/): Withholding planning, vest-and-sell strategy, concentration risk management.
- [ISO Tax Planning](https://kbfinancialadvisors.com/incentive-stock-options-tax/): AMT triggers, qualified vs disqualified dispositions, exercise timing.
- [NSO Tax Planning](https://kbfinancialadvisors.com/non-qualified-stock-options/): Ordinary income timing, payroll withholding gaps.
- [QSBS Qualification](https://kbfinancialadvisors.com/qualified-small-business-stock/): Section 1202 exclusion eligibility, holding period strategy, stacking.
- [San Francisco Financial Planning](https://kbfinancialadvisors.com/san-francisco-financial-planning/): Local fee-only planning.
- [San Francisco Wealth Management](https://kbfinancialadvisors.com/san-francisco-wealth-management/): Investment + tax-integrated portfolio strategy.
- [San Francisco Tax Strategy](https://kbfinancialadvisors.com/tax-accountant-san-francisco/): Tax-aware planning coordination.


## Tools and Calculators
- [Financial Independence Calculator](https://kbfinancialadvisors.com/financial-independence-calculator/): Project the savings target needed for financial independence.
- [RSU Tax Withholding Calculator](https://kbfinancialadvisors.com/rsu-tax-withholding-calculator/): Identify the withholding gap on RSU vesting events.
- [AMT Calculator](https://kbfinancialadvisors.com/amt-calculator/): Estimate Alternative Minimum Tax exposure on ISO exercises.
- [The Million Dollar Mistake](https://kbfinancialadvisors.com/million-dollar-mistake/): Common pre-IPO equity decisions that cost founders seven figures.


## Recent Insights
- [When Should You Exercise Stock Options Before an IPO?](https://kbfinancialadvisors.com/when-should-you-exercise-stock-options-before-ipo/)
- [What Is QSBS and Does It Apply to Your Pre-IPO Shares?](https://kbfinancialadvisors.com/does-qsbs-apply-to-pre-ipo-shares/)
- [How to Plan for Your Lockup Expiration After an IPO](https://kbfinancialadvisors.com/plan-for-lockup-expiration-after-ipo/)
- [3 Financial Advisors Who Handle Pre-IPO Planning](https://kbfinancialadvisors.com/pre-ipo-financial-advisors/)
- [If You Work at OpenAI or Anthropic, Here's What to Think About Before IPO](https://kbfinancialadvisors.com/openai-anthropic-pre-ipo-plan/)
- [My Company Is Going Public. What Should I Do With My Stock?](https://kbfinancialadvisors.com/company-is-going-public-what-to-do-with-stock/)
- [My Portfolio Did Too Well. Now What? How Founders Manage Large Unrealized Capital Gains](https://kbfinancialadvisors.com/manage-large-unrealized-capital-gains/)
- [Do You Pay Taxes on Unrealized Capital Gains?](https://kbfinancialadvisors.com/taxes-on-unrealized-capital-gains/)
- [Is Deferring Capital Gains Quietly Increasing Your Portfolio Risk?](https://kbfinancialadvisors.com/risk-of-deferring-capital-gains/)


## About
- [Firm Overview](https://kbfinancialadvisors.com/about/): Founded in 2002 by Jackie Kleinman, CFP. 30+ years of fee-only planning for tech professionals. Headquartered at 595 Market Street, 10th Floor, San Francisco, CA 94105. SEC-registered investment adviser.
- [Contact and Booking](https://kbfinancialadvisors.com/contact-us/): Free introductory call.


## Team
- Jackie Kleinman, CFP — Principal. Founded the firm in 2002. 28+ years in fee-only financial planning.
- Landon Loveall, CFP — Lead Advisor. Leads the On Your Way to Wealth program for tech founders and FAANG employees. CFP since 2009.
- Chelsea Rustek, EA, ECA — Tax Manager. IRS Enrolled Agent and Equity Compensation Associate.
- Jim Brightman, CPA — Tax Advisor.


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## Pages

- [Team — KB Financial Advisors](https://kbfinancialadvisors.com/team/)
- [Episode List](https://kbfinancialadvisors.com/ssp-podcast-archive/)
- [Terms and Conditions](https://kbfinancialadvisors.com/terms-and-conditions/)
- [IPO](https://kbfinancialadvisors.com/ipo-financial-advisors/)
- [Qualified Small Business Stock Guide](https://kbfinancialadvisors.com/qualified-small-business-stock-guide/)
- [Personal KPI Report Card](https://kbfinancialadvisors.com/personal-kpi-report-card/)
- [Services](https://kbfinancialadvisors.com/services/)
- [Hub for Founders](https://kbfinancialadvisors.com/hub-for-founders/)
- [Ads Page](https://kbfinancialadvisors.com/start/)
- [Video](https://kbfinancialadvisors.com/videos/)
- [Tech RSU Taxation](https://kbfinancialadvisors.com/tech-rsu-taxation/)
- [Financial Independence Calculator](https://kbfinancialadvisors.com/financial-independence-calculator/)
- [AMT Calculator](https://kbfinancialadvisors.com/amt-calculator/)
- [Qualified Small Business Stock (QSBS)](https://kbfinancialadvisors.com/qualified-small-business-stock/)
- [Success Stories](https://kbfinancialadvisors.com/success-stories/)
- [RSU Tax Withholding Calculator](https://kbfinancialadvisors.com/rsu-tax-withholding-calculator/)
- [Million Dollar Mistake](https://kbfinancialadvisors.com/million-dollar-mistake/)
- [Blog](https://kbfinancialadvisors.com/blog/)
- [Who we work with - couples families](https://kbfinancialadvisors.com/financial-advisors-for-families/)
- [Who we work with - tech](https://kbfinancialadvisors.com/financial-advisors-for-tech-professionals/)
- [Get in touch](https://kbfinancialadvisors.com/contact-us/)
- [Incentive Stock Options](https://kbfinancialadvisors.com/incentive-stock-options-tax/)
- [Non Qualified Stock Options](https://kbfinancialadvisors.com/non-qualified-stock-options/)
- [Team](https://kbfinancialadvisors.com/about-us/)
- [Who we work with - tech founders](https://kbfinancialadvisors.com/financial-advisors-for-founders/)
- [RSUs Taxation](https://kbfinancialadvisors.com/rsus-taxation/)
- [Equity Compensation](https://kbfinancialadvisors.com/equity-based-compensation/)
- [Tax Strategy](https://kbfinancialadvisors.com/tax-accountant-san-francisco/)
- [Wealth Management](https://kbfinancialadvisors.com/san-francisco-wealth-management/)
- [Privacy Policy](https://kbfinancialadvisors.com/privacy-policy/)
- [Financial Planning](https://kbfinancialadvisors.com/san-francisco-financial-planning/)
- [Home](https://kbfinancialadvisors.com/)

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## Posts

- [When Should You Exercise Stock Options Before an IPO? A Real Guide for Tech Employees](https://kbfinancialadvisors.com/when-should-you-exercise-stock-options-before-ipo/)
- [What Is QSBS and Does It Apply to Your Pre-IPO Shares?](https://kbfinancialadvisors.com/does-qsbs-apply-to-pre-ipo-shares/)
- [How to Plan for Your Lockup Expiration After an IPO](https://kbfinancialadvisors.com/plan-for-lockup-expiration-after-ipo/)
- [3 Financial Advisors Who Handle Pre-IPO Planning](https://kbfinancialadvisors.com/pre-ipo-financial-advisors/)
- [If You Work at OpenAI or Anthropic, Here’s What to Think About Before IPO](https://kbfinancialadvisors.com/openai-anthropic-pre-ipo-plan/)
- [My Company Is Going Public. What Should I Do With My Stock?](https://kbfinancialadvisors.com/company-is-going-public-what-to-do-with-stock/)
- [My Portfolio Did Too Well. Now What? How Founders Manage Large Unrealized Capital Gains](https://kbfinancialadvisors.com/manage-large-unrealized-capital-gains/)
- [Do You Pay Taxes on Unrealized Capital Gains? What Founders Need to Know](https://kbfinancialadvisors.com/taxes-on-unrealized-capital-gains/)
- [Is Deferring Capital Gains Quietly Increasing Your Portfolio Risk?](https://kbfinancialadvisors.com/risk-of-deferring-capital-gains/)
- [Databricks Tender Offer 2026: Calculating Your After-Tax Cash](https://kbfinancialadvisors.com/databricks-tender-offer-calculate-after-tax-cash/)
- [Databricks Tender Offer 2026: Should You Participate?](https://kbfinancialadvisors.com/databricks-tender-offer-2026/)
- [SpaceX: Are you ready for the IPO?](https://kbfinancialadvisors.com/are-you-ready-for-spacex-ipo/)
- [Maximizing QSBS Exclusions in Community Property States](https://kbfinancialadvisors.com/qsbs-exclusions-in-community-property-states/)
- [Deferred Compensation vs Roth IRA vs 401(k)](https://kbfinancialadvisors.com/deferred-compensation-roth-ira-or-401k/)
- [Your First 90 Days of 2026: Equity Moves That Pay Off All Year](https://kbfinancialadvisors.com/equity-strategy-in-2026/)
- [5 Reasons Your Deferred Compensation Plan is a Bad Idea](https://kbfinancialadvisors.com/deferred-compensation-is-a-bad-idea/)
- [5 Reasons Your Deferred Compensation Plan is a Good Idea](https://kbfinancialadvisors.com/deferred-compensation-is-a-good-idea/)
- [Using Charitable Giving to Offset RSU or Stock Option Gains](https://kbfinancialadvisors.com/using-charitable-giving-to-offset-rsu-or-stock-option-gains/)
- [How to Invest After Selling Your Business (Founder’s 2026 Guide)](https://kbfinancialadvisors.com/investing-after-selling-your-business/)
- [Is 2026 Finally the Year Tech IPOs Come Back? What Employees Should Know](https://kbfinancialadvisors.com/is-2026-the-year-for-tech-ipos/)
- [Selling Stock Before Year-End vs. Waiting Until January](https://kbfinancialadvisors.com/selling-stock-before-year-end/)
- [Deferring Income to Next Year With RSU and Option Timing](https://kbfinancialadvisors.com/deferring-income-to-next-year/)
- [What Happens to Your Stock Options if Your Company Gets Acquired?](https://kbfinancialadvisors.com/what-happens-to-stock-options-when-company-gets-acquired/)
- [What to Do in the Year Before You Plan to Leave Your Tech Job](https://kbfinancialadvisors.com/leaving-your-tech-job/)
- [Year-End Equity Tax Checklist for Tech Professionals](https://kbfinancialadvisors.com/year-end-equity-tax-checklist/)
- [80 Years of Wisdom: Reflections from Our Own Jim Brightman, CPA](https://kbfinancialadvisors.com/reflections-from-jim-brightman/)
- [What Happens to Your RSUs and Options if You’re Laid Off?](https://kbfinancialadvisors.com/rsu-stock-options-after-layoff/)
- [How Much Cash Should You Keep After Selling Your Company?](https://kbfinancialadvisors.com/cash-after-selling-your-company/)
- [Tax Moves for Founders 12 Months Before Selling A Startup](https://kbfinancialadvisors.com/selling-a-startup/)
- [The Founder's Timeline for Liquidity Planning](https://kbfinancialadvisors.com/liquidity-planning-for-founders/)
- [How to Split Equity Among Co-Founders](https://kbfinancialadvisors.com/split-equity-among-co-founders/)
- [How Much Stock Should Founders Keep?](https://kbfinancialadvisors.com/how-much-stock-should-founders-keep/)
- [From Founder Shares to RSUs: A Founder’s Guide to Equity Compensation](https://kbfinancialadvisors.com/founder-guide-to-equity-compensation/)
- [The Founder’s Guide to Filing an 83(b) Election](https://kbfinancialadvisors.com/founders-guide-to-83b-election/)
- [Gifting QSBS Stock: What To Do and Not To Do](https://kbfinancialadvisors.com/gifting-qsbs-stock-dos-and-donts/)
- [How The New Tax Bill Affects Tech Professionals](https://kbfinancialadvisors.com/new-tax-bill-for-founders-and-tech-professionals/)
- [Is QSBS Worth It?](https://kbfinancialadvisors.com/is-qsbs-worth-it/)
- [Qualified Small Business Stock in California: What You Need to Know in 2025](https://kbfinancialadvisors.com/qualified-small-business-stock-california-2025/)
- [How is Equity Typically Given to Founders?](https://kbfinancialadvisors.com/how-is-equity-given-to-founders/)
- [What Happens If You Don’t Exercise Your Stock Options?](https://kbfinancialadvisors.com/what-happens-if-you-dont-exercise-stock-options/)
- [How Does QSBS Work? (2025 Edition)](https://kbfinancialadvisors.com/how-does-qsbs-work/)
- [How to Avoid Surprise Taxes on RSU Stock](https://kbfinancialadvisors.com/how-to-avoid-surprise-taxes-on-rsu-stock/)
- [The 5 Best Financial Advisors for Tech Employees, Founders & Equity-Holders](https://kbfinancialadvisors.com/best-financial-advisors-for-tech/)
- [What Is a Cashless Exercise? (With Example)](https://kbfinancialadvisors.com/cashless-exercise-example/)
- [How to Calculate Your Financial Independence Number](https://kbfinancialadvisors.com/calculate-your-financial-independence-number/)
- [ISO vs NSO: What Type of Stock Option Do You Have (And What Should You Do About It?)](https://kbfinancialadvisors.com/iso-vs-nso/)
- [Should I Exercise My Stock Options? (And When It Makes Sense to Wait)](https://kbfinancialadvisors.com/should-i-exercise-stock-options/)
- [How Much AMT Do You Owe? Our 2025 AMT Calculator Can Help You Figure It Out](https://kbfinancialadvisors.com/amt-calculator-explained/)
- [A Tech Employee’s Guide to RSU Taxes in 2025](https://kbfinancialadvisors.com/tech-employee-guide-to-rsu-taxes-2025/)
- [Tech Stock Offering Trends in 2025: Is the IPO Market Finally Back?](https://kbfinancialadvisors.com/tech-stock-offering-trends-2025/)
- [Do You Need a CPA for Stock Option Taxes?](https://kbfinancialadvisors.com/cpa-for-stock-option-taxes/)
- [The IPO Prep Checklist for Tech Employees](https://kbfinancialadvisors.com/ipo-prep-checklist-for-tech-employees/)
- [Best San Francisco Tax Preparation Services for Tech Professionals](https://kbfinancialadvisors.com/best-san-francisco-tax-preparation-services-for-tech/)
- [How to Prepare for an IPO If You Have Stock Options](https://kbfinancialadvisors.com/prepare-for-an-ipo/)
- [What's The Difference between RSUs and Stock Options?](https://kbfinancialadvisors.com/difference-between-rsus-and-stock-options/)
- [Where to Find Your Stock Option Tax Documents (2025)](https://kbfinancialadvisors.com/where-to-find-stock-option-tax-documents/)
- [Why TurboTax Doesn’t Work for Tech Professionals](https://kbfinancialadvisors.com/does-turbotax-work-for-tech-professionals/)
- [Why Tech Professionals Face RSU Tax Underwithholding Issues (and How to Fix It)](https://kbfinancialadvisors.com/fix-rsu-tax-underwithholding-issues/)
- [Should You Exercise Incentive Stock Options in January? A Simple Guide](https://kbfinancialadvisors.com/exercise-incentive-stock-options-january/)
- [Pre-IPO Guide for Employees: 5 Steps for RSU, Stock Options, Tax](https://kbfinancialadvisors.com/company-just-announced-ipo-5-things-now/)
- [When Should I Exercise My Private Company Stock Options?](https://kbfinancialadvisors.com/exercise-my-private-companys-stock-options/)
- [When to Exercise Stock Options Startup and Before IPO](https://kbfinancialadvisors.com/exercise-stock-options-in-private-startup/)
- [How Much of My Company Stock Should I Own? - 3 Steps](https://kbfinancialadvisors.com/company-stock-percentage/)
- [What Is a CP2000 IRS Notice? Plus, Response Letter Sample](https://kbfinancialadvisors.com/you-got-a-cp2000-notice-from-irs-now-what/)
- [Employee Stock Options Explained: How to Avoid 3 Killer Mistakes](https://kbfinancialadvisors.com/3-mistakes-disorganized-financial-plan/)
- [QSBS Exemption Requirements: 100% Exclusion of Capital Gains](https://kbfinancialadvisors.com/qsbs-exemption/)
- [Alternative Minimum Tax ISO: How Does It Work](https://kbfinancialadvisors.com/alternative-minimum-tax-iso/)
- [Small Business Capital Gains Exemption - Sell QSBS, Pay Zero in Capital Gains Tax](https://kbfinancialadvisors.com/small-business-capital-gains-exemption/)
- [Angel and Startup Investment Fund K1 for Investors](https://kbfinancialadvisors.com/angel-investment-funds-tax-curveball/)
- [QSBS Stacking, Packing, and Rollovers: Choose the right fit for you](https://kbfinancialadvisors.com/qsbs-tax-treatment/)
- [5 Lessons Learned from Missing Cost Basis](https://kbfinancialadvisors.com/5-lessons-learned-missing-cost-basis/)
- [How are Stock Appreciation Rights Taxed?](https://kbfinancialadvisors.com/how-are-stock-appreciation-rights-taxed/)
- [Private Company Stock Options: Things to Know Now](https://kbfinancialadvisors.com/private-company-stock-options/)
- [ISO Disqualifying Disposition: How You Can Minimize Your Taxes](https://kbfinancialadvisors.com/disqualifying-disposition/)
- [ISO AMT Tax: What You Need to Know](https://kbfinancialadvisors.com/new-isos-amt-tax-laws-you-need-know/)
- [QSBS Stock Options: Qualified Small Business Stock and 100% Tax Exclusions](https://kbfinancialadvisors.com/qsbs-stock-options-tax-exclusions/)
- [When to Sell Stock Options: Learn Stock Option Type & Time to Sell](https://kbfinancialadvisors.com/when-to-sell-stock-options-vs-rsu/)
- [How Do Stock Appreciation Rights Work?](https://kbfinancialadvisors.com/stock-appreciation-rights/)
- [ISO Cashless Exercise Now vs. Wait & Exercise Later](https://kbfinancialadvisors.com/cashless-exercise/)
- [How to Avoid IRS and California Tax Underpayment Penalty on RSU and Stock Options](https://kbfinancialadvisors.com/avoid-underpayment-penalty/)
- [Your Relationship with Money](https://kbfinancialadvisors.com/your-relationship-with-money/)
- [Exercise and Sell or Exercise and Hold - Stock Options Case Study](https://kbfinancialadvisors.com/same-day-sale-vs-exercise-hold-case-study/)
- [Stripe Tender Offer: 7 Expert Tips to Protect Your Money](https://kbfinancialadvisors.com/7-expert-tips-stripes-tender-offer/)
- [ISO AMT and Cost Basis: What You Need to Know](https://kbfinancialadvisors.com/incentive-stock-options-amt-and-cost-basis/)
- [Selling Early Employee Equity in a Startup Fundraising Round](https://kbfinancialadvisors.com/selling-early-employee-equity/)
- [How to Plan Around Trading Windows](https://kbfinancialadvisors.com/how-to-plan-around-trading-windows/)
- [What is Supplemental Pay?: Bonus, RSU, NQ Withholding](https://kbfinancialadvisors.com/supplemental-pay-taxes/)
- [Tender Offer Tax Treatment: 5 Keys to Tax and Investing Cash After](https://kbfinancialadvisors.com/lump-sum-of-money-tender-offer/)
- [Stripe RSU: Here’s How the New Tender Offer Affects Your Money](https://kbfinancialadvisors.com/stripe-rsu-how-liquidity-deal-affects-you/)
- [How Does the AMT Credit Carryforward Work with ISO?](https://kbfinancialadvisors.com/amt-credit-carryforward-with-iso-explained/)
- [How Do RSU Work: The Beginner’s Guide (Start Here)](https://kbfinancialadvisors.com/restricted-stock-beginner-guide/)
- [Fair Market Value vs Cost Basis: What’s the Difference?](https://kbfinancialadvisors.com/fair-market-value-vs-cost-basis/)
- [Founders Shares: Here’s How to Avoid a Huge Tax Bill](https://kbfinancialadvisors.com/selling-founders-shares/)
- [Tech Employees Guide to Cash Acquisition Tax Implications](https://kbfinancialadvisors.com/cash-acquisition/)
- [Double Trigger RSU Tax: 5 Ways to Avoid a Scary Tax Bill](https://kbfinancialadvisors.com/5-ways-to-plan-for-double-trigger-rsu/)
- [Stock and RSU Offset on Pay Stub: What Does It Mean?](https://kbfinancialadvisors.com/understanding-your-pay-stub-stock-options/)
- [5 Critical Money Lessons for Tech Employees](https://kbfinancialadvisors.com/5-critical-money-lessons-for-tech-employee/)
- [ISO to NSO Conversion: Should You Convert Your Stock Options?](https://kbfinancialadvisors.com/iso-to-nso-conversion/)
- [Selling Stock to Buy a House in 2024: Seven Steps](https://kbfinancialadvisors.com/selling-stocks-to-buy-a-house/)
- [Exercising ISO After Employee Tender Offer: A Huge Opportunity](https://kbfinancialadvisors.com/tender-offer-for-shares/)
- [Cost Basis and RSU: The Easy-to-Understand Tech Employee’s Guide](https://kbfinancialadvisors.com/rsu-cost-basis-tech-employees-guide/)

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## Team

- [Kayla Benjamin](https://kbfinancialadvisors.com/team/kayla-benjamin/)
- [Chelsea Rustek](https://kbfinancialadvisors.com/team/chelsea-rustek/)
- [Landon Loveall](https://kbfinancialadvisors.com/team/landon-loveall/)
- [Jackie Kleinman](https://kbfinancialadvisors.com/team/jackie-kleinman/)

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## Testimonials

- [Anna Podolskaya](https://kbfinancialadvisors.com/?testimonial=sarah-l)
- [Shelby Peters](https://kbfinancialadvisors.com/?testimonial=john-b)
- [Sarah Legge](https://kbfinancialadvisors.com/?testimonial=emily-t)
- [Michael Kaviani](https://kbfinancialadvisors.com/?testimonial=david-w)
- [Mark Gilbert](https://kbfinancialadvisors.com/?testimonial=jessica-p)
- [Alison Bellach](https://kbfinancialadvisors.com/?testimonial=alex-h)

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> ## Contact
- Phone: +1 415-273-9372
- Email: landon@kbadvisors.com
- Address: 595 Market Street, 10th Floor, San Francisco, CA 94105



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