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--color-primary-foreground: var(--primary-foreground); --color-secondary: var(--secondary); --color-secondary-foreground: var(--secondary-foreground); --color-muted: var(--muted); --color-muted-foreground: var(--muted-foreground); --color-accent: var(--accent); --color-accent-foreground: var(--accent-foreground); --color-destructive: var(--destructive); --color-destructive-foreground: var(--destructive-foreground); --color-border: var(--border); --color-input: var(--input); --color-ring: var(--ring); --color-chart-1: var(--chart-1); --color-chart-2: var(--chart-2); --color-chart-3: var(--chart-3); --color-chart-4: var(--chart-4); --color-chart-5: var(--chart-5); --radius-sm: calc(var(--radius) - 4px); --radius-md: calc(var(--radius) - 2px); --radius-lg: var(--radius); --radius-xl: calc(var(--radius) + 4px); --color-sidebar: var(--sidebar); --color-sidebar-foreground: var(--sidebar-foreground); --color-sidebar-primary: var(--sidebar-primary); --color-sidebar-primary-foreground: var(--sidebar-primary-foreground); --color-sidebar-accent: var(--sidebar-accent); --color-sidebar-accent-foreground: var(--sidebar-accent-foreground); --color-sidebar-border: var(--sidebar-border); --color-sidebar-ring: var(--sidebar-ring); } @layer base { * { @apply border-border outline-ring/50; } body { @apply bg-background text-foreground; } } [V0_FILE]typescriptreact:file="components/ui/badge.tsx" isMerged="true" import type * as React from "react" import { cva, type VariantProps } from "class-variance-authority" import { cn } from "@/lib/utils" const badgeVariants = cva( "inline-flex items-center rounded-full border px-2.5 py-0.5 text-xs font-semibold transition-colors focus:outline-none focus:ring-2 focus:ring-ring focus:ring-offset-2", { variants: { variant: { default: "border-transparent bg-primary text-primary-foreground hover:bg-primary/80", secondary: "border-transparent bg-secondary text-secondary-foreground hover:bg-secondary/80", destructive: "border-transparent bg-destructive text-destructive-foreground hover:bg-destructive/80", outline: "text-foreground", }, }, defaultVariants: { variant: "default", }, }, ) export interface BadgeProps extends React.HTMLAttributes, VariantProps {} function Badge({ className, variant, ...props }: BadgeProps) { return

} export { Badge, badgeVariants } [V0_FILE]typescriptreact:file="components/ui/separator.tsx" isMerged="true" "use client" import * as React from "react" import * as SeparatorPrimitive from "@radix-ui/react-separator" import { cn } from "@/lib/utils" const Separator = React.forwardRef< React.ElementRef, React.ComponentPropsWithoutRef >(({ className, orientation = "horizontal", decorative = true, ...props }, ref) => ( )) Separator.displayName = SeparatorPrimitive.Root.displayName export { Separator } [V0_FILE]json:file="package.json" isMerged="true" { "name": "my-v0-project", "version": "0.1.0", "private": true, "scripts": { "dev": "next dev", "build": "next build", "start": "next start", "lint": "next lint" }, "dependencies": { "@hookform/resolvers": "^3.10.0", "@radix-ui/react-accordion": "1.2.2", "@radix-ui/react-alert-dialog": "1.1.4", "@radix-ui/react-aspect-ratio": "1.1.1", "@radix-ui/react-avatar": "1.1.2", "@radix-ui/react-checkbox": "1.1.3", "@radix-ui/react-collapsible": "1.1.2", "@radix-ui/react-context-menu": "2.2.4", "@radix-ui/react-dialog": "1.1.4", "@radix-ui/react-dropdown-menu": "2.1.4", "@radix-ui/react-hover-card": "1.1.4", "@radix-ui/react-label": "2.1.1", "@radix-ui/react-menubar": "1.1.4", "@radix-ui/react-navigation-menu": "1.2.3", "@radix-ui/react-popover": "1.1.4", "@radix-ui/react-progress": "1.1.1", "@radix-ui/react-radio-group": "1.2.2", "@radix-ui/react-scroll-area": "1.2.2", "@radix-ui/react-select": "2.1.4", "@radix-ui/react-separator": "1.1.1", "@radix-ui/react-slider": "1.2.2", "@radix-ui/react-slot": "1.1.1", "@radix-ui/react-switch": "1.1.2", "@radix-ui/react-tabs": "1.1.2", "@radix-ui/react-toast": "1.2.4", "@radix-ui/react-toggle": "1.1.1", "@radix-ui/react-toggle-group": "1.1.1", "@radix-ui/react-tooltip": "1.1.6", "@vercel/analytics": "1.3.1", "autoprefixer": "^10.4.20", "class-variance-authority": "^0.7.1", "clsx": "^2.1.1", "cmdk": "1.0.4", "date-fns": "4.1.0", "embla-carousel-react": "8.5.1", "geist": "^1.3.1", "input-otp": "1.4.1", "lucide-react": "^0.454.0", "next": "14.2.25", "next-themes": "^0.4.6", "react": "^19", "react-day-picker": "9.8.0", "react-dom": "^19", "react-hook-form": "^7.60.0", "react-resizable-panels": "^2.1.7", "recharts": "2.15.4", "sonner": "^1.7.4", "tailwind-merge": "^3.3.1", "tailwindcss-animate": "^1.0.7", "vaul": "^0.9.9", "zod": "3.25.67" }, "devDependencies": { "@tailwindcss/postcss": "^4.1.9", "@types/node": "^22", "@types/react": "^18", "@types/react-dom": "^18", "postcss": "^8.5", "tailwindcss": "^4.1.9", "tw-animate-css": "1.3.3", "typescript": "^5" } } [V0_FILE]jpg:file="public/chase-sapphire-preferred-credit-card.jpg" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/attachments/gen-images/public/chase-sapphire-preferred-credit-card-W6OmSyeEnr0yCeUlzL7uAeFeimhzVS.jpg" isMerged="true" [V0_FILE]jpg:file="public/monarch-budgeting-app-logo.jpg" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/attachments/gen-images/public/monarch-budgeting-app-logo-RM4hhVuYoQd2VD8yJKoNno5CRonr8T.jpg" isMerged="true" [V0_FILE]jpg:file="public/cloaked-privacy-service-logo.jpg" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/attachments/gen-images/public/cloaked-privacy-service-logo-qcUTvuPYf9NS0EA5YXyaaxIi8o6tth.jpg" isMerged="true" [V0_FILE]jpg:file="public/encorestate-plans-estate-planning-logo.jpg" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/attachments/gen-images/public/encorestate-plans-estate-planning-logo-ZRTsLhy1yogYWTwNcyeq6GYaBtuwT2.jpg" isMerged="true" [V0_FILE]jpg:file="public/sora-financial-planning-logo.jpg" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/attachments/gen-images/public/sora-financial-planning-logo-GfcMIdl42WFl7X8QklWul8VmBglSEm.jpg" isMerged="true" [V0_FILE]jpg:file="public/cardpointers-credit-card-app-logo.jpg" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/attachments/gen-images/public/cardpointers-credit-card-app-logo-Jz4xjzpnPmjLRgmkIn7cvOgiMswYsX.jpg" isMerged="true" [V0_FILE]png:file="public/images/design-mode/FgXdJj9lQfuwdL2tT3uNYMFNviU.png" url="https://hebbkx1anhila5yf.public.blob.vercel-storage.com/design-mode-images/FgXdJj9lQfuwdL2tT3uNYMFNviU-HSMDhGTEI7DolhsZDPyTHlCuFElguI.png" isMerged="true" [V0_FILE]typescriptreact:file="app/page.tsx" isEdit="true" isQuickEdit="true" "use client" import type React from "react" import { useState, useEffect } from "react" import { Card, CardContent, CardDescription, CardHeader, CardTitle } from "@/components/ui/card" import { Badge } from "@/components/ui/badge" import { Button } from "@/components/ui/button" import { CheckCircle, TrendingUp, Shield, FileText, Clock, Users, MapPin, Phone, Mail, ChevronDown, ChevronRight, Menu, DollarSign, Target, Wallet, ArrowLeftRight, LineChart, Heart, FileCheck, Scale, Compass, Building2, Brain, GraduationCap, BarChart3, Receipt, } from "lucide-react" interface StrategyCardProps { id: string icon: | "shield" | "target" | "clock" | "wallet" | "arrows" | "chart" | "heartbeat" | "file-check" | "scales" | "compass" title: string valueProp: string what: string[] metrics: string[] sources: string[] tag: "Priority" | "Risk" | "Tax" | "Income" | "Estate" | "Health" | "Implementation" } function StrategyCard({ id, icon, title, valueProp, what, metrics, sources, tag }: StrategyCardProps) { const [isExpanded, setIsExpanded] = useState(false) const iconMap = { shield: , target: , clock: , wallet: , arrows: , chart: , heartbeat: , "file-check": , scales: , compass: , } const tagColors = { Priority: "bg-red-100 text-red-800 dark:bg-red-900 dark:text-red-200", Risk: "bg-orange-100 text-orange-800 dark:bg-orange-900 dark:text-orange-200", Tax: "bg-blue-100 text-blue-800 dark:bg-blue-900 dark:text-blue-200", Income: "bg-green-100 text-green-800 dark:bg-green-900 dark:text-green-200", Estate: "bg-purple-100 text-purple-800 dark:bg-purple-900 dark:text-purple-200", Health: "bg-pink-100 text-pink-800 dark:bg-pink-900 dark:text-pink-200", Implementation: "bg-gray-100 text-gray-800 dark:bg-gray-900 dark:text-gray-200", } return ( setIsExpanded(!isExpanded)} >

{iconMap[icon]}

{title}

{tag}

{valueProp}

{isExpanded && (

What

• {item}

Success Metrics

→ {metric}

Sources

{sources.join("; ")}

)} ) } interface RecommendationCardProps { number: number title: string icon: React.ReactNode what: string why: string firstSteps: string[] } function RecommendationCard({ number, title, icon, what, why, firstSteps }: RecommendationCardProps) { const [isExpanded, setIsExpanded] = useState(false) return ( setIsExpanded(!isExpanded)}>

{icon}

{number}. {title}

{isExpanded ? ( ) : ( )}

{isExpanded && (

{why}

What

{what}

First Steps

{step}

)} ) } function TableOfContents() { const [activeSection, setActiveSection] = useState("") const [isOpen, setIsOpen] = useState(false) const sections = [ { id: "team", label: "Team" }, { id: "executive-summary", label: "Executive Summary" }, { id: "service-options", label: "Service Options" }, { id: "recommendations", label: "Recommendations" }, { id: "fees", label: "Fees & Terms" }, { id: "onboarding", label: "Onboarding" }, { id: "next-steps", label: "Next Steps" }, ] useEffect(() => { const handleScroll = () => { const scrollPosition = window.scrollY + 100 for (const section of sections) { const element = document.getElementById(section.id) if (element) { const { offsetTop, offsetHeight } = element if (scrollPosition >= offsetTop && scrollPosition < offsetTop + offsetHeight) { setActiveSection(section.id) break } } } } window.addEventListener("scroll", handleScroll) return () => window.removeEventListener("scroll", handleScroll) }, []) const scrollToSection = (id: string) => { const element = document.getElementById(id) if (element) { element.scrollIntoView({ behavior: "smooth", block: "start" }) setIsOpen(false) } } return ( <> {/* Mobile TOC Toggle */}

{/* Mobile TOC Overlay */} {isOpen && (

setIsOpen(false)} /> Contents {sections.map((section) => ( ))}

)} ) } interface ServiceCategory { id: string title: string color: string icon: React.ReactNode services: ServiceItem[] } interface ServiceItem { service: string details: string isPersonalized?: boolean // Added flag to mark personalized services } const financialPlanningServices: ServiceCategory[] = [ { id: "retirement-income", title: "Retirement and Income Planning", color: "bg-orange-100 text-orange-800 dark:bg-orange-900 dark:text-orange-200", icon: , services: [ { service: "Retirement Analysis", details: "Projections, Monte Carlo simulations for retirement scenarios", }, { service: "Pension Maximization", details: "Optimal strategies for pension selection (lump sum vs annuity)", }, { service: "Social Security Optimization", details: "Delay strategies and claiming advice (spousal focus)", }, { service: "Roth Conversions", details: "Strategic Roth IRA conversions", }, { service: "Income Gap Analysis", details: "Evaluate sources of retirement income and manage shortfalls", }, { service: "Bridge Years Spending Plan", details: "Design cash/taxable drawdowns before Social Security or pensions start", }, { service: "Medicare Cost Integration", details: "Embed Medicare and health premiums into retirement income projections", }, ], }, { id: "tax-planning", title: "Tax Planning & Optimization", color: "bg-pink-100 text-pink-800 dark:bg-pink-900 dark:text-pink-200", icon: , services: [ { service: "Activate 401(k) Contributions Immediately", details: "Begin pre-tax deferrals to reduce 2025 taxable income and establish systematic retirement savings", isPersonalized: true, // Marked as personalized for Shane }, { service: "Establish a Backdoor Roth IRA (2026 onward)", details: "Implement annual Roth conversions to build tax-free retirement assets", isPersonalized: true, // Marked as personalized for Shane }, { service: "Coordinate 2025 Estimated Tax Payments with CPA", details: "Ensure proper quarterly tax payments to avoid penalties and optimize cash flow", isPersonalized: true, // Marked as personalized for Shane }, { service: "Establish a Donor-Advised Fund (DAF) for Charitable Giving", details: "Create tax-efficient charitable giving vehicle with immediate deduction and flexible timing", isPersonalized: true, // Marked as personalized for Shane }, { service: "Restructure $500k Idle Cash into Tax-Advantaged Instruments", details: "Deploy excess cash into municipal bonds and other tax-efficient vehicles", isPersonalized: true, // Marked as personalized for Shane }, { service: "Integrate a Tax-Managed Municipal Bond Sleeve", details: "Add tax-free income stream to reduce overall tax burden in high-income years", isPersonalized: true, // Marked as personalized for Shane }, ], }, { id: "cash-flow-budget", title: "Cash Flow and Budget Management", color: "bg-blue-100 text-blue-800 dark:bg-blue-900 dark:text-blue-200", icon: , services: [ { service: "Define a Core Cash Buffer", details: "Establish appropriate emergency fund size and location for irregular income patterns", isPersonalized: true, // Marked as personalized for Shane }, { service: "Create a Capital Deployment Framework for Windfalls", details: "Systematic process for allocating large commission payments across goals", isPersonalized: true, // Marked as personalized for Shane }, { service: "Use a 12-Month Rolling Expense Map", details: "Track and project expenses to manage variable income and identify optimization opportunities", isPersonalized: true, // Marked as personalized for Shane }, ], }, { id: "investment-planning", title: "Investment Planning & Management", color: "bg-green-100 text-green-800 dark:bg-green-900 dark:text-green-200", icon: , services: [ { service: "Execute the 36-Month Palantir RSU Unwind Plan", details: "Systematic diversification of concentrated equity position over three years", isPersonalized: true, // Marked as personalized for Shane }, { service: "Diversify Away from Single-Stock Risk", details: "Reduce concentration risk while managing tax implications and maintaining growth potential", isPersonalized: true, // Marked as personalized for Shane }, { service: "Adopt an Automated Investment Policy Statement (IPS)", details: "Formalize investment strategy, asset allocation, and rebalancing guidelines", isPersonalized: true, // Marked as personalized for Shane }, { service: "Model an Early Financial Independence Scenario (Age 50–55)", details: "Project retirement readiness and identify gaps for early retirement optionality", isPersonalized: true, // Marked as personalized for Shane }, ], }, { id: "risk-insurance", title: "Risk Management & Insurance Planning", color: "bg-red-100 text-red-800 dark:bg-red-900 dark:text-red-200", icon: , services: [ { service: "Comprehensive Coverage Review", details: "Evaluate life, disability, umbrella, and other insurance needs for current situation", isPersonalized: true, // Marked as personalized for Shane }, { service: "Protect Concentrated Holdings During Transition", details: "Consider hedging strategies or insurance solutions during equity diversification period", isPersonalized: true, // Marked as personalized for Shane }, ], }, { id: "estate-legacy", title: "Estate & Legacy Planning", color: "bg-yellow-100 text-yellow-800 dark:bg-yellow-900 dark:text-yellow-200", icon: , services: [ { service: "Establish Foundational Estate Documents (2025)", details: "Create will, healthcare proxy, power of attorney, and beneficiary designations", isPersonalized: true, // Marked as personalized for Shane }, { service: "Integrate DAF and Future Charitable Giving Goals", details: "Coordinate charitable giving strategy with overall estate and legacy planning", isPersonalized: true, // Marked as personalized for Shane }, ], }, { id: "education-college", title: "Education & College Planning", color: "bg-gray-100 text-gray-800 dark:bg-gray-700 dark:text-gray-200", icon: , services: [ { service: "529 Plans & Education Funds", details: "Setup and funding strategies (tax-advantaged contributions)", }, { service: "Financial Literacy for Children", details: "Introducing budgeting and investment basics", }, ], }, { id: "business-entrepreneurial", title: "Business & Entrepreneurial Planning", color: "bg-teal-100 text-teal-800 dark:bg-teal-900 dark:text-teal-200", icon: , services: [ { service: "Create a Future Venture Funding Reserve", details: "Designate capital for potential startup or business venture opportunities", isPersonalized: true, // Marked as personalized for Shane }, { service: "Evaluate Potential Entity Structures for Future Startup", details: "Analyze LLC, S-Corp, and other structures for future entrepreneurial activities", isPersonalized: true, // Marked as personalized for Shane }, ], }, { id: "behavioral-emotional", title: "Behavioral & Emotional Support", color: "bg-purple-100 text-purple-800 dark:bg-purple-900 dark:text-purple-200", icon: , services: [ { service: "Formalize Decision Frameworks to Reduce Overwhelm", details: "Create systematic processes for financial decisions to reduce complexity and anxiety", isPersonalized: true, // Marked as personalized for Shane }, { service: 'Reframe Wealth Growth from "One-Year Windfall" to Systematic Process', details: "Shift mindset from short-term gains to long-term wealth building and sustainability", isPersonalized: true, // Marked as personalized for Shane }, ], }, ] export default function ClientProposal() { return (

{/* Professional Header */}

{/* */}

Iconoclastic Capital Management

No buzz words. No Bias. No bull$#!+

17 Prince St, Rochester, NY 14607

585-504-1616

team@iconocapital.com

{/* Hero Section - Updated with Shane's data */}

New Client Proposal

Prepared for Shane McWilliams

Transforming concentrated Palantir equity and high-variance income into a tax-efficient, diversified plan for durable growth

Date: October 21, 2025

{/* Meet Our Team */} Meet Our Team The professionals who will guide your financial journey

Christopher Haigh, CFP®

CEO & Lead Financial Planner

Jack Hills

Chief Investment Officer

Gene Thompson, CFP®

Director of Financial Planning

Stephanie Nemecheck

Director of Operations

Matthew Scott

Financial Planning Associate

{/* Executive Summary - Updated with Shane's data */} {/* Service Model Selection */} Choose the Right Fit for Where You Are Three service models designed for different client needs and preferences

{/* Card 1: Asset Management Only */}

Asset Management Only

Let a disciplined investment engine run in the background

Who It's For

Want delegation without ongoing planning
Retirees simplifying assets
Passive, long-term investors

What You Get

Low cost, diversified portfolios
Direct indexing + tax-loss harvesting
Annual meeting with CIO
Right Capital access

Not Included

×Financial planning

{/* Card 2: Comprehensive Wealth Management - Recommended */}

RECOMMENDED

Guided Wealth Management

A guided partnership for every stage of your financial journey

Who It's For

Families with ongoing complexity
Equity comp, business owners
Clients who value strategy & structure

What You Get

2-4 annual meetings aligned to life
Custom portfolios & tax strategy
Estate, retirement, and legacy design
Specific modeling & coordination with other professionals
Open access to email us with questions throughout the year
Vault + RightCapital (full access)

{/* Card 3: Project-Based Planning */}

Project-Based Planning

Solve One Big Thing, Done Right

Who It's For

One-time decisions of complex situations
Need expert validation or guidance, not ongoing support

What You Get

Scoped plan delivered in 1-3 months
90-day support window
Custom deliverables focused on you
Temporary access to planning software

Examples

Home purchasing
Buy, sell, long-term/short-term rental
Retirement planning
Windfall planning

{/* Key Recommendations */}

Comprehensive Financial Planning Services

Our holistic approach covers all aspects of your financial life. Below are the key service domains we provide to help you achieve your goals. Click any category to expand and view specific services.

{financialPlanningServices.map((category) => ( ))}

{/* Fee Structure - Updated with Shane's specific fees */} Investment & Planning Fees Our fees are thoughtfully structured to reflect the value of our services and remain non-negotiable

Fee Structure

Year 1 Fee (includes onboarding) $8,000

Year 2+ Annual Fee $5,500

Asset Management Fee 0.90% AUM

Year 1 Total: $8,000 + 0.90% of assets under management

Subsequent Years: $5,500 annual planning fee + 0.90% AUM

Payment Schedule

Your Year 1 fee of $8,000 covers everything from onboarding through your first year of comprehensive planning. We bill this quarterly at $2,000 per quarter, starting when you engage. Asset management fees are calculated and deducted quarterly based on your account balances.

{/* */} Pay Initial Fee ($2,000)

Proposed Assets to be Managed

ETrade TOD $294,000

Rollover IRA (From Old 401(k)) $153,000

Roth IRA $9,000

PLTR RSUs (TBD if we manage) $320,000

Total Assets (excluding PLTR RSUs) $456,000

Note: PLTR RSUs are shown separately as management of these assets is to be determined based on your preferences and our equity diversification strategy discussions.

{/* Onboarding Process */} Your Onboarding Journey A thoughtfully designed process that transforms complexity into clarity—guided by experts who know your story.

{/* Phase 1 */}

Phase 1

Foundation & Discovery

We'll organize your accounts, gather your financial data, and build the foundation for your personalized plan.

Christopher Haigh

•

Stephanie Nemecheck

Open and link your accounts

Collect financial data and documents

{/* Connector line */}

{/* Phase 2 */}

Phase 2

Investment Strategy Design

We'll craft your personalized investment strategy, optimize asset placement, and build in tax efficiency from day one.

Jack Hills

Chief Investment Officer

Design asset allocation strategy

Implement tax-loss harvesting

Optimize asset location across accounts

{/* Connector line */}

{/* Phase 3 */}

Phase 3

Tax & Estate Planning

We'll refine your tax strategy, establish estate planning foundations, and ensure your wealth is protected and purposefully structured.

Gene Thompson

Director of Financial Planning

Build comprehensive tax strategy

Guide estate planning foundations

{/* Connector line */}

{/* Phase 4 */}

Phase 4

Plan Delivery & Implementation

We'll present your complete financial plan, walk through every recommendation, and build your personalized roadmap for implementation.

Full Team Review

Review your finalized plan

Build implementation roadmap

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What You'll Have at the End

You'll finish onboarding with a complete financial plan, a team that knows your story, and a clear path forward—no overwhelm, just confidence.

{/* */} {/* Next Steps - Customized for Shane */} Next Steps Ready to optimize your financial future? Here's how we move forward.

Immediate Actions

1 Review this proposal and discuss any questions with Christopher
2 Sign engagement agreement and pay $2,000 onboarding fee
3 Schedule onboarding kickoff meeting with Stephanie to begin data gathering

Important Details

Invoice Payment: Pay via Stripe link above or request ACH/wire instructions

Agreement: The financial planning agreement will be sent via Adobe Sign for your electronic signature

Timeline: Onboarding typically takes 4-6 weeks from initial payment to final plan delivery

This proposal is valid for 30 days and reflects our analysis based on information provided during our consultation calls with Shane on October 15-18, 2025.

Prepared by the Iconoclastic Capital Management team • team@iconocapital.com • 585-504-1616

{/* Additional Resources */} Additional Resources Value-added services and resources for our clients

{/* Card 1: Monthly Newsletter */} Monthly Client Newsletter

Access to our monthly client newsletter which some clients have even said "is worth our worth the cost itself"

{/* Card 2: Discounts and Partners */} Discounts and Preferred Partners

Access to exclusive discounts and our network of trusted partners including:

• Monarch (budgeting)
• Cloaked (privacy)
• Encorestate Plans
• Sora Finance
• CardPointers

{/* Card 3: Client Communications */} Client Communications

Stay informed with targeted updates on topics that matter to you.

Email distribution lists for relevant updates like{" "} studentloans@iconocapital.com

{/* Card 4: Legal Information */} Legal Information

Iconoclastic Capital Management LLC is a registered investment advisor offering advisory services and doing business in the State of New York.

View our firm's Form ADV {/* Card 5: Questions */} Questions?

We're here to address any concerns and ensure this partnership aligns perfectly with your goals and values.

Email Us Your Questions {/* Card 6: Blog */} Our Blog

Read our latest insights on financial planning, investment strategies, and market commentary.

Visit Our Blog

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Your financial position and key planning opportunities {isExpanded && (

This is your first engagement with professional financial planning, prompted by the dual challenge of managing concentrated Palantir equity and navigating high-variance commission income. Your financial foundation is strong, but rapid income growth and uneven cash flows have created uncertainty around tax optimization, diversification timing, and long-term wealth structure. You're ready for systematic guidance to transform complexity into confidence.

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Where You Are Today

You're a Palantir enterprise sales executive earning ~$1.5M YTD in 2025 (salary $150k, commissions ~$1.1M, RSUs $253k)
You have ~$1M in liquid net worth: $500k in high-yield savings (Amex), $318k in vested Palantir equity, and ~$200k in ETFs
You're currently renting in Nolita at $3,800/month and considering a purchase in Manhattan or Brooklyn ($1–2M target)
You haven't started 401(k) contributions yet; Palantir offers no match but covers your full health insurance premiums
You have no debt other than routine credit card balances and use JP Morgan Chase as your primary bank

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What We'll Focus On Together

We'll optimize your tax situation by modeling your 2025 federal and NY/NYC liabilities and mitigating your high marginal exposure (~49%) through deferred income, muni funds, and strategic deductions
We'll develop a multi-year plan to reduce your Palantir concentration while managing tax implications and maintaining upside exposure
We'll help you quantify the rent vs. buy trade-offs in NYC, including opportunity cost, tax benefits, and lifestyle flexibility
We'll establish systems to help you manage irregular commission income, automate savings, and optimize your high-yield cash allocation
We'll design a diversified investment strategy aligned with your risk tolerance and future goals (family, entrepreneurship, financial independence)

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