Contact Scotia Wealth Management About Your Deferred Compensation and Company Stock

What happens if you send the form this week

A member of our team reads each message and usually replies with a short note or a call to find a time. The questions back are practical: roughly how much sits in deferred compensation, how much in one company's stock, and whether a cutoff is coming, like next year's deferral election.

We don't ask for account numbers or passwords at this stage. Not ever by email, either.

Papers worth pulling out before the first call

You don't need all of it. These are the items we look at first, because they show how concentrated you are and how much tax a change would trigger. Missing half? Come anyway.

• The payout schedule you elected for your deferred compensation, if you can find it.
• A grant summary showing RSUs, options and vesting dates.
• Your latest brokerage statement, with the cost basis of the company shares.
• Your most recent tax return.
• Your employer's trading window or blackout calendar, if the equity office sends one.

How both sides decide whether it fits

The first conversation is a review of what you already have, not a sales pitch. If your setup works, we'll say so and leave it alone; if one piece is broken, we'll point to it and explain what fixing it would cost in taxes. Scotia Wealth Management works with $500,000 or more in investable assets, so we'll confirm that early.

If you want to go on, you get the terms in writing before anything is signed. Some people stop there, and that's a fine outcome.

Three ways in: the form, a call, the office

The form suits you when your calendar is full; it takes a few minutes between meetings. Reviews are held online or by phone, and we work with clients from coast to coast that way. If you'd rather sit down, the Minneapolis office takes visits by appointment.