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Built for the Financial Complexity That Comes With Success
Building a business, making partner, or reaching the C-suite creates new kinds of financial complexity.
The problem
Your wealth may be concentrated in a single asset.
Your compensation may include equity, vested and unvested options, or carried interest. Deferred compensation introduces uncertainty and can make career moves more daunting than they need to be.
Torrey Growth & Income Advisors works with high-performing professionals to provide structured support around important financial decisions at key stages of your career. Our active oversight of your investment strategy helps you stay focused on your work and what comes next.
Our team brings firsthand experience across professional and business life. George Hoover Jr. ran a beloved local restaurant before entering financial services and has been a venture investor while building and leading Torrey Growth & Income for twenty years. Zealan Hoover previously worked at McKinsey & Company, where he advised senior executives at multiple Fortune 500 companies on business strategy and operations.
How we help
Five things we take off your plate.
Integrated Planning
Your financial situation may include compensation, deferred equity, employer accounts, private investments, and other assets. We integrate these pieces into a single financial plan so your income, investments, and long-term goals are considered together.
Independent Perspective
You want an advisor who provides an independent perspective on employer equity and compensation, the financial implications of career moves, and what comes next. Our goal is to be your partner across careers and big transitions.
Proactive Advice
You don't have time to track every significant financial decision. We engage with clients proactively when decisions arise, including rebalancing, tax-loss harvesting opportunities, Roth conversions, and charitable giving decisions.
Concentration & Risk
You want to manage the risks associated with wealth concentrated in your business, employer equity, or other investments. We help you identify and manage those risks through a diversified investment portfolio, options strategies, and rebalancing tied to both market and personal developments.
Legacy Planning
You want to translate hard work into a legacy for your family and the causes you care about. We help define and implement that legacy through estate planning, giving strategies, and thoughtful preparation for family transitions.
The most valuable planning happens before the transaction closes.On preparing for a liquidity event
For Business Owners
- Business succession and exit planning: Sale, transfer, recapitalization, or wind-down
- Pre-liquidity preparation: Coordination with your CPA and estate team
- Transition planning: Moving from business income to investment income in retirement
- Integrated planning: Coordinating business interests with personal estate, trust, and legacy planning
For Partners & Executives
- Concentrated compensation: Financial plans accounting for concentrated, deferred, or illiquid compensation
- Equity diversification: Tax-efficient strategies for equity-heavy balance sheets
- Equity compensation: ISOs, NSOs, RSUs, performance shares, and ESPPs
- Deferred compensation: Distribution timing and counterparty risk analysis
A second opinion on a concentrated position
If a single holding, such as employer stock or a long-held position, represents an outsized share of your net worth, we can model the trade-offs for you before you take action.
- What we look at: The capital gains cost of diversifying, weighed against the risk you are carrying by concentrating
- What you get: Tailored strategies that could include diversification, hedging, covered calls, and charitable giving
Thank you.
A member of our team will follow up within one business day to set up the review.
Common questions
Frequently asked questions
A concentrated equity position occurs when a large share of your net worth is held in a single company, often from stock-based compensation or a long-term holding. Selling highly appreciated securities can trigger capital gains. At the same time, holding a concentrated position creates meaningful risk: a decline in one stock can substantially impair your overall wealth. We help clients evaluate that trade-off and determine an appropriate strategy using diversification, options overlays, and charitable giving.
Yes. Many of our clients hold significant wealth in assets we do not directly manage — such as private company equity, deferred compensation plans, employer 401(k) accounts, real estate, or other illiquid holdings. We build financial plans that account for your entire financial picture, not just the assets we manage.
We partner with the CPA and estate attorney best suited to your specific needs rather than providing those services in-house. While we are not tax or legal professionals, we play an integral role coordinating your financial picture across those disciplines to support your investment strategy, tax plan, and estate documents. We can integrate with your existing advisors, or connect you with trusted firms if you are looking for a recommendation.
The most valuable planning can happen before a sale or IPO, when there is still time to evaluate tax, gifting, estate, and investment decisions. We work with clients and their CPA and estate attorney to prepare for the financial implications of a major liquidity event.
Yes. A business exit is one of the most consequential financial events an owner will face. We can help clients prepare before a transaction closes by analyzing cash flow implications, coordinating trust and estate decisions with your attorney and CPA, and building an investment plan for the proceeds.
Start a conversation
Let's talk about the whole picture.
If you are a business owner, partner, or executive looking for an advisor who understands the full complexity of your financial picture, we would welcome the conversation.
- A member of our team follows up within one business day
- An introductory conversation — no preparation needed
- No obligation
Prefer to pick a time now?
Prefer to pick a time now?