Financial Planning for NVIDIA Employees

    At EP Wealth, we have experience working with NVIDIA employees, including those who’ve built significant wealth through their stock and equity compensation. Whether you’re still with the company or recently retired, our team understands the unique challenges that come with concentrated equity, complex tax situations, and fast-changing financial opportunities.

    Let’s turn your career success into a strategy.

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    • Book time with an Advisor that works with your schedule – meet virtually, by phone or in person.
    • Ask questions, discuss your current financial situation and goals, determine actionable next steps.

     

    Understanding NVIDIA Employees

    From conversations with our clients and advisors across the country, one thing is clear — NVIDIA employees often have unique financial needs compared to other groups we serve.

    You’re builders, innovators, and problem-solvers. You think analytically, value precision, and have spent years focused on creating technology that changes the world. But when it comes to your personal finances, many NVIDIA employees share a few common traits:

    • Highly concentrated wealth: A large portion of your net worth may be tied up in NVIDIA stock, often with a very low cost basis.
    • Tax sensitivity: The idea of selling shares — and triggering major capital gains — can be daunting.
    • Behavioral hesitation: After years of NVIDIA’s success, it can feel risky to sell what’s always gone up.
    • Technical mindset: You value logic, data, and clear explanations over sales pitches.

    The Challenge: Great Wealth, Greater Complexity

    According to a recent Yahoo Finance article, NVIDIA’s growth has produced “unprecedented wealth” for its employees through equity and performance-based compensation. For many employees, that comes with new challenges:

    • How do I manage a $10M–$100M concentration in NVIDIA stock without triggering millions in taxes?
    • What’s the right way to transfer wealth to family or charity?
    • Can I protect gains while maintaining upside exposure?
    • Should I relocate to a lower-tax state before selling?

    Even longtime engineers who have spent decades at NVIDIA often find themselves navigating these questions for the first time — sometimes while still using TurboTax.

    Our advisors specialize in helping you make informed, tax-efficient decisions that align with your goals.

    How EP Wealth Helps NVIDIA Employees

    1. Tax-Smart Diversification

    Gradual diversification is possible without a massive one-time tax hit. We help clients explore strategies such as long-short direct indexing, tax-loss harvesting, and structured sales that can reduce capital gains exposure while maintaining long-term upside potential. For NVIDIA employees with large, low-basis positions, we help you gradually diversify without making it look or feel like you are selling out of NVIDIA. We use tools that allow you to keep financial exposure to NVIDIA’s performance, while we slowly reduce how much of your net worth is tied to a single stock.

    2. Advanced Wealth Transfer Planning

    From GRATs (Grantor Retained Annuity Trusts) to other advanced estate planning techniques, we help clients transfer and preserve wealth meaningfully. These strategies can reduce estate and gift tax exposure and, in some cases, can help defer or reduce capital gains taxes on appreciated assets. Beyond potential tax benefits, these strategies can also support your family, philanthropic goals, and long-term legacy in a thoughtful and intentional way.

    3. Tax Residency & Relocation Strategies

    Some of our clients choose to relocate from high-tax states like California to states such as Nevada to reduce state income tax exposure. However, when equity was earned while working in California, the portion treated as wage income may still be taxable by California, even after moving.

    Because each state has it owns residency rules, timing considerations and documentation requirements, we work closely with your CPA to develop a plan tailored to your situation. We help ensure your residency change is properly structured, documented, and supported so you can pursue potential tax savings confidently and compliantly.

    4. Philanthropy & Legacy Design

    For clients with charitable goals, we help design giving strategies that align your NVIDIA success with long-term impact. Whether that’s through donor-advised funds, charitable gifting, or legacy trusts, our advisors help you give strategically — not reactively.

    Why Work with EP Wealth

    • Experience that matters: We’ve guided multiple NVIDIA employees through significant liquidity events and complex stock planning.
    • Specialized knowledge: Our advisors have experience helping Nvidia professionals understand restricted stock, tax strategies, and behavioral dynamics unique to engineers.
    • Collaborative approach: Your planning team — advisors, planners, and tax professionals — operates seamlessly, just like NVIDIA’s own engineering pods.

    Proactive, not reactive: We don’t wait for tax season or market shifts; we help you plan years ahead.

    Start Building Your Financial Future

    You’ve engineered the future of AI. Let us help you engineer the future of your wealth.

    Talk with a team that understands NVIDIA employees — and the opportunities available to you.

    DISCLOSURES

    • Please note that the services offered on this page are not exclusive to NVIDIA employees. These services are part of the same comprehensive suite that we provide to all our clients, regardless of their employer.
    • EP Wealth Advisors (“EPWA”) makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information presented. All expressions of option are subject to change without notice..
    • Hiring a qualified advisor and/or financial planner does not guarantee investment success and does not ensure that client or prospective client will experience a higher level of performance or results. No guaranty or warranty is made that any direct t or implied results of projections being represented here will be met or sustained.
    • Information presented is general in nature and should be viewed as a comprehensive analysis of the topics discussed. It is intended to serve as a tool containing general information that should assist you in the development of subsequent discussions. Content does not involve the reding of personalized investment advice or is intended to supplement professions individualized advice.
    • The content of this report is believed to be accurate as of the date of publication and cannot and does not accurately forecast future economic, market, or financial conditions; including changes to retirement benefits, social security, and/or Medicare. For this reason, any subsequent changes, and/or that occur after the publication of this presentation may cause the analysis encompassed herein to become inaccurate. Any references to future market or economic forecasts are based on hypothetical assumptions that may never come to pass.
    • Laws vary by state. The information presented herein is intended to be general in nature and may not apply to your state of domicile. Please consult local legal counsel to determine the best practices for your state.
    • Please consult with a CPA, tax professional, and/or attorney regarding your specific situation before implementing any of the strategies referenced directly or indirectly herein.
    • The need for a financial advisor or financial planner and/or the type of services required are specific to the uniqueness of each individual’s circumstances. There is no guarantee or warrantee that the services offered by EP Wealth Advisors will satisfy your financial service requirements. Services offered by other advisors may align more to your specific needs.
    • All investment strategies have the potential for profit or loss. Different types of investments and investment strategies involve varying degrees of risk, and there can be no assurance that any specific investment strategy will be suitable or profitable for a client’s portfolio. The risk of loss can never be eliminated even if working with a professional.
    • EP Wealth Advisors, LLC. Is registered as an investment advisor with the SEC and only transacts business in state in where is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the commission, nor does it indicate that the advisor has attained a particular level of sill or ability.

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