Our Clients
Financial Complexity Calls for a Specialized Approach.
Cloud Capital Management exists for a specific kind of client: someone whose financial life feels complicated, and who needs an advisor with the background and discipline to address it. Our clients aren’t looking for a generalist. They’re looking for a firm that regularly works with similar financial circumstances.
Founders and Exiting Entrepreneurs
Life Stage: Pre-Exit to Post-Liquidity
You have built something worth selling. Now comes the financial challenge. Liquidity events bring concentrated exposure, significant tax decisions, and the need to transition from business owner to investor, often all at once. Cloud Capital works with founders before they exit and alongside them as proceeds are deployed, with a plan built around what actually happened, not what a template assumes.
Common Questions We Help Founders and Entrepreneurs Answer:
- I’m deep in a sale process and my deal attorney is focused on the transaction. Who’s thinking about my personal financial plan?
- The transaction closed and I’ve never managed this much capital at once. Where do I actually start?
- Almost everything I have is tied up in the company. Can I start building diversification now, before an exit happens?
- I’ve spent the last decade reinvesting back into the business. How do I build a personal financial plan essentially from scratch?
Public Company Executives and Employees
Life Stage: Mid-Career Through Transition
Tech compensation packages are designed to be compelling. They’re not always designed to be manageable. RSUs from your current employer, unvested options from a previous one, an ESPP you’ve been contributing to without a clear plan — over time, these add up to real feeling of complexity and, often, concentrated exposure in a single stock. Cloud Capital works with tech executives and employees to help evaluate these issues: the tax timing embedded in each component, the risk that builds as company stock becomes a disproportionate share of net worth, and the decisions that need to happen before a lock-up expires or a career move changes the timeline.
Common Questions We Help Tech Executives and Employees Answer:
- I have RSUs from my current employer, unvested options from a previous one, and an ESPP I’ve never really paid attention to. Is anyone supposed to be looking at all of this together?
- My company’s stock keeps appreciating and now it’s a disproportionate share of my net worth. At what point does that become a real problem?
- I’m a senior engineer, well-compensated, and I’ve basically just been maxing out my 401(k) and ignoring the rest. Is that actually a financial plan?
- Our IPO is on the horizon and I don’t fully understand my options once the lock-up period expires. What should I be doing before that window opens?
- I’m a director and my company offers a deferred compensation plan. I’m not sure how much to defer, whether I can afford to lock that money up, or what happens to it if the company runs into trouble.
Business Owners
Life Stage: Operating Through Exit
Whether you run a single business or multiple operations, the boundary between personal and business finances creates planning decisions that often require coordination across both personal and business finances. Cloud Capital works with business owners to build plans that account for both sides of your balance sheet.
Common Questions We Help Business Owners Answer:
- My business is my largest asset by a significant margin. What happens to my financial plan if I eventually step away or sell?
- My income from the business varies year to year. How do you build a retirement plan around something that unpredictable?
- I have a buy-sell agreement in place but I’m not confident it’s actually funded correctly. Should I be worried about that?
- Every financial decision I’ve made over the past 15 years has been reactive. How do I get ahead of it?
Pre-Retirement Planners
Life Stage: Five to Fifteen Years Before Retirement
Retirement decisions made today have consequences that last decades. Cloud Capital builds retirement plans grounded in detailed modeling of spending, cash flows, and asset allocation, so you can make the transition with a clear picture of what you have, what it will do, and what you can count on.
Common Questions We Help Pre-Retirees Answer:
- I have a pension, a 401(k), Social Security coming in a few years, and a handful of individual accounts. Has anyone ever actually looked at how those work together?
- How much risk should I realistically be carrying five years out from retirement?
- I keep hearing different numbers for what a sustainable withdrawal rate looks like. How do I know what’s right for my specific situation?
- I think I should be doing Roth conversions before I retire but I don’t know how to think about the timing. Where does that fit into the broader plan?
We’re Selective. That’s By Design.
Is Cloud Capital
Right for You?
Cloud Capital works best with clients who value detail, who want to understand the reasoning behind every recommendation, and who are ready to engage actively in the planning process. Our work is most effective when clients bring full transparency about their financial picture.
If your financial situation is genuinely complicated, and you want an advisor team that takes it seriously, we’d like to have a conversation.
Typical Client Profile:
- Wealth that goes beyond a single investment account.
- Interest in coordinated planning across investments, taxes, estate structure, and income.
- Located anywhere in the United States — we serve clients in more than 25 states.
- We typically work with clients who have $3 million or more in investable assets, though for pre-exit founders and entrepreneurs, we evaluate fit on an individual basis rather than a fixed threshold.
