The process
Four steps. No surprises in the middle.
The sequence below is how engagements are structured. Timing varies by complexity, and not every engagement reaches every step.
Establish whether there is a fit.
You describe the situation. The practice describes how it works, what it costs, and what it does not do. The purpose of this conversation is to determine fit, not to present a recommendation.
Nothing is prepared in advance and nothing is recommended in this step.
Establish what you actually hold.
If there is a fit, the next step is a structured look at your account types, cost basis where available, concentration, embedded gains, entity structures, and the constraints already in place, including trading windows, lockups, loan covenants, and existing plans.
This step also identifies what is missing. Incomplete basis records and undocumented entity history are common and can take time to reconstruct.
It is not a tax return review and not a legal opinion. Where those are needed, the work is coordinated with your CPA and attorney. Viva Wealth Management does not provide tax or legal advice.
See the routes side by side.
You receive a written description of the approaches available given your facts, and what each one requires, restricts, and risks. Where several routes exist, they are presented alongside each other rather than filtered down to one.
Every approach discussed carries trade-offs. Some strategies require multi-year commitments. Some limit upside. Some depend on qualification tests that may not ultimately be met. Some depend on tax law that may change, including retroactively.
This step is not a projection of outcomes and contains no illustration of returns or tax savings.
Run it on the calendar that matters.
Implementation happens in a defined sequence, with your CPA and attorney in the loop on the items that belong to them. Ongoing work is driven by trading windows, holding periods, estimated payment dates, and year-end. Positions are reviewed on a set schedule and when your circumstances change.
It is not a guarantee of any particular result. No strategy assures a profit or protects against loss in a declining market.
What this costs
Fees are discussed in the first conversation.
Fees are described in Form ADV Part 2A, which is linked in the footer and provided before any advisory relationship begins. Fee structure is discussed openly in the first conversation rather than deferred.