Financial Planning for American Express Executives

Turn Your Amex Compensation & Benefits

into Retirement Income

Schedule a call

We are here to help you:

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Optimize Your Corporate Compensation

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Organize Your
Finances

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Plan for Financial
Freedom

Facing Complex Retirement Income Decisions?

As an American Express executive approaching retirement, you may:

  • Face complex decisions on converting your Amex Retirement Savings Plan (RSP), Long-Term Incentive Awards (LTIA), "Retirement Plan," and Retirement Restoration Plan (RRP) into a reliable income stream.

  • Feel uncertain about what your post-career life will look like.

  • Worry you won't be able to live the retirement you've envisioned.

We believe you should feel confident about your future when you've been so diligent about your company retirement plans and stock-based compensation.

Schedule a call

Feel Confident About Your Retirement

Our goal is to help you:

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Maximize Compensation

Create a plan to get the
most from your stock-based
compensation and benefits.

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Organize your finances with a
comprehensive plan for
peace of mind.

Gain Clarity

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Know the steps to help
achieve your short- and long-
term goals.

Follow a Roadmap

Experienced Guidance for Executive Challenges

We understand how the demands of career and family can make it difficult to focus on the compensation issues that can impact your retirement options.

  • For over 20 years, Jeffrey Golden, CFP®, has been advising corporate executives and mid-level managers, including at American Express.

  • A CERTIFIED FINANCIAL PLANNER® practitioner since 2000, Jeff also holds a certification in Retirement Income Planning from The Wharton School’s Aresty Institute of Executive Education.

  • Jeff and his colleagues lead a boutique, independent Registered Investment Advisory firm managing over $700 million in assets.

Schedule a call

Simplify Your Retirement Planning

For American Express executives, navigating the complex decisions around converting your Amex RSP, RRP, and "Retirement Plan" into retirement income can leave you feeling uncertain about your post-career life. At Circle Advisers, Inc., we create an organized plan for your corporate compensation and benefits to help create the financial freedom to live retirement on your terms.

We are an independent Registered Investment Advisor based in New York City, working with mid- and high-level American Express executives approaching retirement. As you near this transition, understanding how to turn resources such as Amex benefits, investment assets, and Social Security into steady retirement income is essential. You want to know that your finances are prepared so you can let go of the stress and simply look forward to a fulfilling retirement. We work with you to:

  • Eliminate the stress of uncertainty about your retirement.

  • Make informed decisions about your stock-based compensation and benefits.

  • Create a retirement income stream that incorporates all sources.

  • Execute and monitor your financial planning action items

  • Feel confident in your ability to live your best retirement.

Schedule a call

Services

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Investment
Management

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Cash flow planning

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Estate
planning

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Insurance review
and analysis

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Tax
planning

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Stock option and
restricted stock planning

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Social Security and
Medicare planning

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Retirement
income
planning

How to Work With Us

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Step 1

Schedule an introductory "get to know each other" call.

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Step 2

Discuss your financial picture and goals, and our initial assessment.

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Step 3

Sign the client agreement to begin creating a plan for financial freedom in retirement.

Are We a Match?

You want to partner with a financial advisor whose expertise is working with people like you. We may be a good fit if you:

  • Are an American Express executive preparing for retirement.

  • Want an organized plan for your corporate compensation and benefits.

  • Seek an ongoing relationship with a financial advisor to help you stay on track with your financial goals.

Schedule a call

Frequently Asked Questions

  • Our services are designed primarily for American Express executives who are approaching retirement or planning for the transition in the coming years. Many of our clients want guidance on how to convert non-cash compensation, retirement plans, and investments into reliable retirement income.

    We work with professionals who want a structured financial plan to help them move from earning a paycheck to living off their accumulated assets while maintaining their lifestyle.

  • We help clients evaluate stock-based compensation and other Amex benefits so they can make informed financial decisions throughout their careers and into retirement.

    We provide comprehensive financial planning and investment management tailored to the needs of corporate executives. Our services include retirement income planning, tax planning, cash flow planning, insurance analysis, social security advice and estate planning coordination.

  • A fiduciary financial advisor is legally and ethically required to put the client’s interests first when providing advice.

    As fiduciary advisors, our role is to provide objective financial planning and investment guidance based on your goals, financial circumstances, and long-term needs.

  • Our firm charges fees for financial advisory services rather than commissions from product sales. This structure helps align our advice with your financial goals and long-term interests.

    Clients typically pay an advisory fee for investment management and financial planning services, allowing us to focus on providing objective guidance and ongoing support.

  • Our firm typically works with individuals and families who are seeking ongoing financial planning and investment management.

    In general, clients pay a minimum annual advisory fee, which currently starts at approximately $2,500. This structure allows us to provide the level of planning and service required to address complex financial situations.

  • We work with clients both in person and remotely. Our office is located in New York City, and many clients prefer to meet face-to-face when possible.

    We regularly meet with clients virtually, which allows us to work efficiently with Amex executives wherever they may be located.

  • Yes. We begin with a complimentary introductory conversation designed to help both sides determine whether working together makes sense.

    During this meeting, we discuss your financial goals, current situation, and the types of challenges you may be facing as you approach retirement.

  • American Express executives often have multiple retirement accounts and benefit programs that must work together during retirement.

    Financial planning helps determine how to draw income from sources such as employer retirement plans, investment accounts, and Social Security in a coordinated way designed to support long-term retirement spending.

  • Before retiring, many executives evaluate how their compensation, retirement plans, stock-based benefits, and investment accounts will support their lifestyle.

    Financial planning can help organize these resources into a structured income strategy that addresses taxes, healthcare costs, and long-term financial goals.

  • Stock options and restricted stock can represent a significant portion of an executive’s wealth. Therefore, making informed decisions regarding these forms of compensation is critical.

    We can help you evaluate when and how these assets may be exercised or sold while considering taxes, diversification, and retirement income needs.

Take the First Step — Schedule a Call!

Are you ready to stop feeling uncertain about your post-career life? Take the first step toward an organized plan for your Amex compensation and benefits that helps give you the freedom to create the retirement you envision.

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