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opinder@rysefinancial.com
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For Those Who've Built Something

Your money is doing
five things at once.
Is anyone watching all of it?

Most people with real wealth have a portfolio manager. Far fewer have someone who sees the 401k, the brokerage, the RSUs, the real estate, the tax exposure, and the estate plan — and manages them as one.

Schedule a Conversation Explore Our Strategies
3.52%
annual value added by a coordinated advisor vs. self-directed investing†
1.7%
annual return lost by investors trying to time the market — a gap coordinated management closes‡
25+
years combined experience at RYSE Financial

† Russell Investments, "Value of an Advisor Study," 2024. Based on Canadian advisor data. Actual results vary by client circumstance.   ‡ Morningstar, "Mind the Gap," 2023. 10-year period ended Dec. 31, 2022. Past performance does not guarantee future results.

The Problem

Most wealthy people are getting advice in silos. That's expensive.

Your portfolio manager doesn't talk to your CPA. Your estate attorney doesn't know your equity comp schedule. Your 401k is running a model portfolio built for someone else. Each piece is fine. The whole picture has gaps — and those gaps cost money.

Fragmented advice
The RYSE approach
✗Portfolio managed without knowing your tax bracket or upcoming RSU vesting
✓Investment decisions made with full awareness of your tax situation, equity comp, and cash flow needs
✗Tax-loss harvesting done once in December, if at all
✓Tax efficiency built into daily portfolio management — not bolted on at year end
✗Concentrated position sits unaddressed for years because "it's done well"
✓Systematic diversification strategy that accounts for tax cost, vesting schedule, and your actual liquidity timeline
✗Asset location is an afterthought — bonds in taxable, growth in retirement
✓Every account type holds what it should — based on how each dollar is taxed
✗Estate plan, investment plan, and insurance plan never cross-referenced
✓One advisor holds the full picture — portfolio, estate, tax, insurance, income — and keeps them aligned
How We Work

Explore our wealth management strategies

Select a strategy to see how it works and who it's built for. These aren't separate products — they work together as one coordinated plan.

Advisor-Managed
UMAs
Direct Indexing
Tax-Loss Harvesting
Tax-Gain Harvesting
Asset Location
Alternatives
Portfolio Strategy
Advisor-managed portfolios

The foundation of every RYSE client relationship. A human advisor — not an algorithm — constructs, monitors, and adjusts your portfolio with full awareness of your financial life. When markets move or your situation changes, we act. Not a model. Not a template. Your portfolio.

Best for
High-income professionals Complex tax situations Equity comp recipients Pre- and post-retirement
What you get
A portfolio built around your life — not a risk questionnaire output. We start with your goals, timeline, tax bracket, and cash flow needs.
Proactive rebalancing when markets drift — not just an annual checkup. We monitor and adjust continuously.
Human judgment at inflection points: job change, liquidity event, market dislocation, retirement transition.
Full coordination with your tax plan, estate plan, and insurance strategy — not siloed investment management.
Portfolio Structure
Unified Managed Accounts (UMAs)

If you've accumulated accounts across multiple employers, advisors, or life events, a UMA consolidates your investments into a single, coordinated strategy — managed as one. One account. One strategy. One place to see the whole picture.

Best for
Multiple account holders Rollover / 401k consolidation High-net-worth portfolios
What you get
Consolidated oversight — stocks, bonds, alternatives, and cash managed inside one unified account structure.
Superior tax efficiency — we can harvest losses and coordinate gains across the entire portfolio, not just within individual accounts.
Simplified reporting — one statement, one performance view, one fee structure instead of fragmented account-by-account tracking.
Institutional-grade access — strategies previously reserved for the largest investors, now available to RYSE clients.
Portfolio Strategy
Direct indexing

Instead of buying a fund that tracks an index, you own the underlying stocks directly. This gives you the market exposure you want — with the ability to harvest losses at the individual security level, exclude specific holdings, and personalize at a scale that a fund simply can't match.

Best for
Taxable accounts $1M+ ESG preferences Concentrated stock positions High tax bracket
What you get
Stock-level tax-loss harvesting — capture losses on individual positions while maintaining your index exposure. Far more harvesting opportunities than a fund.
Custom exclusions — remove your employer's stock, specific sectors, or ESG-screened companies without abandoning the index.
No embedded capital gains — unlike a fund, you don't inherit other investors' gains when you buy in.
Previously $5–10M minimums — now accessible to our clients at meaningfully lower entry points.
Tax Strategy
Tax-loss harvesting

When a position falls in value, we sell it to lock in the loss for tax purposes — then immediately reinvest to maintain your market exposure. The IRS effectively subsidizes part of your market downturn. Done continuously, not just in December, this strategy can generate meaningful tax savings over time.

Best for
High tax bracket Taxable brokerage accounts Direct indexing clients Volatile market periods
What you get
Losses that work for you — harvested losses offset capital gains, reducing your current-year tax bill dollar-for-dollar.
Carryforward value — unused losses carry forward to future years, acting as a long-term tax asset in your portfolio.
Continuous monitoring — we identify harvesting opportunities across your entire portfolio in real time, not as a year-end scramble.
Wash-sale compliant — we reinvest immediately in similar (not identical) securities so you stay invested without triggering IRS wash-sale disallowance.
Tax Strategy
Tax-gain harvesting

The lesser-known complement to tax-loss harvesting. In years when your income is lower — a career transition, sabbatical, early retirement, or parental leave — your capital gains tax rate may drop to 0% federally. We identify those windows and intentionally realize gains, resetting your cost basis at no tax cost.

Best for
Career transition years Early retirement Low-income years Roth conversion planning
What you get
Gains realized at 0% federal rate — when your income qualifies, you pay nothing on long-term capital gains federally. We identify and act on the window.
Higher cost basis going forward — realizing gains now and immediately repurchasing resets your basis, reducing future tax liability on the same position.
Coordinated with Roth conversions — we model TGH alongside conversion opportunities to maximize your low-income year value.
Multi-year tax planning — we don't optimize for this year in isolation. We model the impact across your full projected tax picture.
Tax Strategy
Asset location strategy

Where you hold an investment matters almost as much as what you hold. Bonds generate ordinary income — tax-inefficient in a taxable account. Growth stocks may appreciate for decades before triggering a taxable event — ideal for a Roth. Getting this right is free alpha. Most people never get it.

Best for
Multiple account types IRA + Roth + taxable High income earners Long investment timelines
What you get
Tax-inefficient assets sheltered — bonds, REITs, and high-dividend payers housed in IRAs where their income isn't taxed annually.
Growth positioned in Roth — highest-growth assets compound tax-free in accounts where they'll never be taxed on withdrawal.
Taxable account optimized — holds only tax-efficient vehicles (index funds, munis, direct indexing) that minimize annual tax drag.
Coordinated rebalancing — when we rebalance, we do it in the most tax-advantaged account possible, not wherever is convenient.
Portfolio Diversification
Alternative investments

Access to return streams that don't move in lockstep with public markets. Private credit, real assets, and other alternatives can reduce portfolio volatility and improve risk-adjusted returns — especially during equity market stress. We introduce alternatives selectively, where they genuinely improve the portfolio. Not as complexity for its own sake.

Best for
Qualified investors Portfolios $2M+ Longer investment horizons Equity-heavy portfolios
What you get
True diversification — exposure to return drivers that aren't correlated with stock or bond market performance.
Private credit access — income-generating strategies historically available only to institutional investors, now accessible to RYSE clients.
Real asset exposure — inflation-sensitive assets that can protect purchasing power during sustained inflationary periods.
Selective, not speculative — we only recommend alternatives with a clear role in your specific portfolio. No trend-chasing.
Talk to an Advisor No obligation — 15-minute introductory call
See the Numbers

What tax-efficient investing actually adds up to

Adjust your portfolio size, timeline, and tax bracket to see the real-dollar impact of a tax-coordinated wealth management strategy versus an uncoordinated approach.

Portfolio value
$500,000
Investment horizon
20 years
Combined federal + CA tax rate
46.5%
Portfolio value at end of period
No coordination
RYSE coordinated
+$0
Estimated additional wealth from tax-efficient investing, asset location, and coordinated tax management over your selected investment period. This is the gap between fragmented and coordinated advice.

Model assumptions: Base return 7% gross. RYSE coordinated return reflects an estimated 1.5% tax alpha applied to the base return (per Vanguard Advisor's Alpha methodology). Tax drag modeled at 0.8% annually for uncoordinated vs. 0.2% for RYSE clients at your selected combined rate. The "Combined federal + CA tax rate" slider reflects your estimated total marginal rate — federal income tax (up to 37% in 2026, per current TCJA extension), the 3.8% Net Investment Income Tax where applicable, and California state income tax (up to 13.3%, plus 1% Mental Health Services Tax on income over $1M). Illustrative only — not a guarantee of future results. Individual tax situations vary. Please consult your tax advisor and review all investment risks with your advisor before making any financial decisions.

Our Process

From first call to fully coordinated

We don't start with a portfolio. We start with understanding your whole picture — then build an investment strategy that fits inside it.

01
Full financial inventory
We map every account, asset, liability, equity position, and future cash flow before touching an investment.
02
Tax & estate integration
Your investment strategy is built around your tax bracket, estate structure, and income timeline — not in spite of them.
03
Strategy construction
We select the right mix of vehicles — managed accounts, UMAs, direct indexing, alternatives — for your specific situation.
04
Ongoing coordination
We monitor, harvest, rebalance, and adjust — continuously, not just at your annual review. Your life changes. Your plan should too.
Why it matters
Built on a single principle: do right by people.

Opinder built RYSE Financial from the ground up. When her son joined — after a decade of scaling startups through their most critical growth stages — the firm gained something most wealth management practices don't have: someone who's sat on the other side of the table.

We understand what it means to build something. To have equity that matters. To need advice that keeps pace with your ambition. As fiduciaries, we're required to put your interests first. As a family firm, we wouldn't have it any other way.

We listen before we recommend. Some clients want more alpha. Others prioritize ESG. Others just want less volatility and better sleep. We start with what matters to you — not a model portfolio.
We read both market signals and client signals. Your portfolio should respond to what's happening in the world and what's happening in your life. We track both — and adjust accordingly.
We explain the opportunities and the risks. Growth potential means nothing without context. We make sure you understand what you're positioned for — and what you're protected against.
Common Questions

What people ask before they schedule a call

How is RYSE different from my current investment advisor?
The most common difference is coordination. A lot of investment advisors manage your portfolio — and that's it. RYSE integrates your portfolio with your tax plan, estate plan, insurance strategy, income planning, and employer benefits. That means your investment decisions are made in full context of your financial life, not in isolation. We're also a fee-based fiduciary, which means we're legally required to act in your interest and gives us the versatility to also recommend insurance products when it aligns with your needs.
Do I need a minimum portfolio size to work with RYSE?
We work with clients at varying stages of wealth accumulation. Some strategies — like direct indexing and certain alternative investments — become more accessible at higher portfolio values (generally $1M+ for direct indexing, $2M+ for alternatives). But comprehensive financial and wealth management planning is available to motivated clients at earlier stages. The best way to understand fit is a 15-minute introductory call where we learn about your situation before making any recommendations.
What does tax-efficient investing actually mean in practice?
It means three things working together: (1) Asset location — holding tax-inefficient assets like bonds in your IRA and tax-efficient assets like growth stocks in your taxable account. (2) Tax-loss harvesting — systematically capturing losses during market dips to offset gains, done continuously rather than once per year. (3) Tax-gain harvesting — realizing gains in low-income years when your rate may be 0% federally. In California, where the top marginal rate is 13.3%, this coordination isn't optional — it's the difference between a good outcome and a great one.
I have a lot of my wealth in company stock or RSUs. Can RYSE help?
Yes — and concentrated positions are one of the most common planning challenges we help clients navigate. The goal isn't just "sell and diversify." It's to build a systematic plan that diversifies the concentration over time in a way that manages the tax cost, accounts for your vesting schedule and lockup periods, aligns with your liquidity needs, and ideally incorporates charitable giving strategies like Donor-Advised Funds to reduce gain recognition. These plans take time to execute and benefit significantly from early coordination.
How does RYSE charge for wealth management?
Our fees are straightforward: we charge based on assets under management (AUM) and/or a flat planning fee depending on the scope of your engagement. You can see our full fee structure on our pricing page. As IARs, we have a fiduciary obligation to act in your interest — that comes first, always. On certain insurance products, we may earn a commission. If that's ever the case, we'll tell you upfront, in plain English, before you make any decision. No surprises. No fine print. Just a clear conversation about what you're paying and what you're getting.
What if I already have a CPA and estate attorney?
That's ideal — and common. RYSE works collaboratively with your existing CPA and estate attorney. We don't replace your legal or tax professionals; we sit at the center of the relationship and make sure everyone is working from the same financial picture. In practice, this means we share relevant planning data, flag tax implications of investment decisions to your CPA, and alert your attorney when estate plan updates may be needed. Coordination between these advisors is exactly where most clients have gaps — and where RYSE adds the most value.
Take the next step

The right advisor pays
for themselves. Many times over.

A quick call costs nothing. It starts with understanding your situation — not a sales pitch. If there's a fit, we'll tell you. If there isn't, we'll tell you that too.

Schedule a Free Consultation No obligation — no pressure — just a conversation