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đź“Ť Location
Serving tech professionals and physicians in Seattle, Kirkland, Bothell, Bellevue, Redmond, Woodinville, and the surrounding areas.
đź“ž Phone
425-298-3988
✉️ Email
dwayner18@gmail.com
Let’s craft a personalized financial plan that empowers you to focus on what you do best—saving lives or building the future—while we take care of the rest. We look forward to hearing from you!
Contact Us
Contact Us
Reach out today to schedule your complimentary consultation or to learn more about how Valiant Financial Planning can support your goals.
đź“Ť Location
Serving tech professionals and physicians in Seattle, Kirkland, Bothell, Bellevue, Redmond, Woodinville, and the surrounding areas.
đź“ž Phone
425-298-3988
✉️ Email
dwayne.reinike@valiantfp.com
Let’s craft a personalized financial plan that empowers you to focus on what you do best—saving lives or building the future—while we take care of the rest. We look forward to hearing from you!
Who We Serve
Who We Serve
Specialized Financial Services for Tech Workers and Physicians
Valiant Financial Planning is honored to work with successful tech professionals from prominent tech companies and physicians at various stages of their careers throughout Seattle, Kirkland, Bothell, Bellevue, Redmond, and Woodinville.
As an Amazon employee, you have access to various benefits and opportunities, such as a competitive base salary of up to $350,000, a new hire bonus paid over the first two years, and Restricted Stock Units (RSUs). Your initial RSUs vest over the first four years, but you’ll likely receive more RSU grants throughout your time with the company. Amazon has a 401(k) plan and matches 50% of your contributions up to 4% of your annual salary. Amazon will also allow “Mega Backdoor Roth” contributions up to the IRS limit.
Microsoft offers a competitive compensation package, retirement benefits and other perks. The compensation may include base pay, new hire cash bonus paid within the first 60 days of employment, annual cash bonuses, and Restricted Stock Units (RSUs) that typically vest quarterly. Microsoft’s 401(k) benefit includes a 50% company match, up to $11,500 for 2024, plus “Mega Backdoor Roth” contributions. Microsoft also has the Deferred Compensation Plan (DCP), which is exclusive to Leve 67+ employees, and an Employee Stock Purchase Program (ESPP).
Google compensation structure typically consists of base salary, bonuses and equity. Equity compensation is in the form of Google’s Restricted Stock Units (GSUs). A Noogler’s GSUs will vest over four years, front loaded to receive 66% in the first two years. Typically annual refreshers based on performance will help offset the decreasing amount of GSUs after the first two years. Google’s retirement options, include Traditional & Roth 401(k) options as well as the coveted “Mega Backdoor Roth” option.
Meta’s generous compensation plan often includes a bi-weekly base salary, cash bonuses and Restricted Stock Units (RSUs) which vest evenly over four years. You may receive RSUs as part of your annual compensation or a special one-time award. Meta’s 401(k) offers both the Pre-Tax and Roth option, as well as a generous 50% match up to the IRS limit. Don’t forget about the “Mega Backdoor Roth” for extra tax-free income during retirement!
If you’re a resident or new physician beginning your career, laying a solid financial foundation will allow you to build and grow your wealth from day one. Valiant Financial Planning will help you create a budget, build an emergency fund, and design a plan for repaying your student loans. We will also look into the future and begin building strategies for you based on the different career paths you’re likely considering. We are there for you for these life-changing decisions to help take some of that weight off of your shoulders.
As an established physician, you might be at a stage in your life where you are making more money than you ever thought you would. This might be life changing for you and your family and you want to make sure you are making the smartest decisions with this newfound income. You may be on a path to achieve financial freedom or dream of building generational wealth for a lasting legacy. Valiant Financial Planning will partner with you to build a plan for your life, help optimize your income, explore tax smart strategies and help you balance today’s lifestyle with tomorrow’s goals. Maybe you are thinking about launching your own private practice, have children entering college, or aging parents you want to care for. Whatever your dreams are we are here to help guide you.
You’ve had a successful career and now you’re ready to tackle the next chapter of your life. Maybe you’ve built up a sizable nest egg, a couple of properties or a private practice you need to sell. Whatever the journey you’ve been on, we’re ready to step in and help you take this next leap. Not only should we be evaluating your assets to determine whether you’re able to retire at this point, but we should also be reviewing your estate planning documents, long-term tax strategies, portfolio allocation, and cash flow needs. Valiant Financial Planning can also assist you with charitable giving strategies if you would like to give back to causes and organizations that align with your values.
Our Seven Step Process
Whether you’re a tech pro or a physician, here’s what you can expect if we decide to partner together.
The Complimentary Consultation is our first step. This Zoom meeting or phone call is our chance to get to know each other a little, ask some questions, and determine whether we’re the right fit to help you navigate your journey. We’ll discuss service options, costs, and discuss your primary goals and objectives.
Once you decide to move forward with Valiant FP, you will sign a client engagement letter. This engagement letter will clearly outline the scope and cost of our services so you know exactly what to expect.
This is our first real planning meeting. Here we will dive deep into your current financial picture. We will discuss your cash flow and net worth. We will review your portfolio, Risk & Protection strategies and any special circumstances that are on your mind.
Next, we will look at your future and explore what you want your life to look like. We’ll discuss your current lifestyle as well as the goals you have for your life in the future. We’ll also work to understand what steps you’ve been taking to achieve those goals.
Next we run an evaluation to see whether what you are currently doing is enough to get you to your goals or if there are adjustments we need to make. We will then build out a few potential courses of action and decide which plan is right for you.
Once we’ve collaborated on the right plan for you and your life goals we will finalize the plan for delivery!
Now the work really begins. Once we’ve developed the plan then we need to implement the action items of the plan. Some clients may choose to do this part themselves like their very own “choose your adventure” story while other clients will want Valiant VP to take care of everything for them. Either way, life has a way of putting obstacles in our path, or presenting exciting new possibilities before us so we will be ready to make adjustments as needed!
Are You a Tech Professional or Physician in the Seattle Area?
Schedule a Complimentary Consultation Today!
If you’re a tech professional or physician navigating your financial future in Seattle, Kirkland, Bothell, Bellevue, Redmond, or Woodinville, Valiant Financial Planning is here to help. Schedule your complimentary consultation today to explore how our tailored financial services can support your unique goals and maximize your benefits.
Services
Explore Our Three Financial Planning and Wealth Management Service Tiers
At Valiant Financial Planning, we understand that financial planning is not a one-size-fits-all solution. That’s why we offer a range of personalized services designed to meet the distinct needs, goals, and preferences of tech professionals and physicians in Seattle, Kirkland, Bothell, Bellevue, Redmond, Woodinville, and the surrounding areas. Below is an overview of the services we provide.
Tier 1
Full-Service Wealth Management
If you're searching for a true financial nerd to guide you every step of the way, our comprehensive wealth management service is the perfect fit. We’ll create a personalized financial plan tailored to your unique goals, providing ongoing advice, guidance, and portfolio management to keep you on track. Our focus includes your life goals, cash flow, portfolio allocation, risk management, tax strategies, and estate planning.
We also take into account any specific circumstances that matter most to you, such as equity compensation, rental properties, or the sale of a business. We meet with clients quarterly—or as frequently as desired—to assess progress, review investments, and make adjustments to ensure your plan remains aligned with your evolving goals.
Who Is It For
You may be a good candidate for full-service wealth management if:
- You are a busy professional who prefers a hands-off approach to your finances.
- You’re not sure where to start with financial planning and could benefit from an ongoing, go-to resource.
- You’d like to see how all the pieces of your financial puzzle work together.
- You want a professional to manage your investments and give you ongoing advice.
Pricing - Flat Annual Fee
- Low Complexity - $4,200/yr - Example Client: Single income household with W2 income, no rental properties, no kids, less complex planning needs.
- Med Complexity - $6,300/yr - Example Client: High earning or dual W2 income household, Business owner, 1099 income, 1 rental property, kids, under $1m of investable assets, more complex portfolio needs.
- High Complexity - $8,400/yr+ - Example Client: Most advanced complexity needs. Retired or planning to retire soon, preparing to sell a business, multiple rental properties, owns multiple businesses, has grandkids, $1m or more of investable assets.
**These are just guidelines, the final fee may be more or less than shown here, based on the complexity and needs of each client’s situation.
Tier 2
Ongoing Financial Planning and Advice Only
Are you a DIY investor who values expert insight and guidance before implementing your financial strategies? Our financial planning and advice-only service is perfect for you. We’ll work with you to understand your life goals, investment strategies, tax planning, risk management, estate needs, and other key aspects of your financial picture. From there, we’ll craft a comprehensive plan, outline actionable steps, and provide ongoing support as you move forward. While you’ll take the lead in managing and monitoring your investments, we’ll be here to consult and meet quarterly—or as often as needed—to ensure you're on track for financial success.
Who Is It For
You may be a good candidate for our Financial Planning & Advice-Only service if:
- You want a comprehensive, "big-picture" view of your finances but prefer to manage the day-to-day transactions yourself.
- You want tailored, actionable financial advice that aligns with your unique goals.
- You want to manage your investments independently, with professional guidance to steer you in the right direction.
- You’re seeking a partner who can help you implement your financial plan and provide ongoing support as you navigate your journey.
Pricing - Flat Annual Fee
- Low Complexity - $4,200/yr - Example Client: Single income household with W2 income, no rental properties, no kids, less complex planning needs.
- Med Complexity - $6,300/yr - Example Client: High earning or dual W2 income household, Business owner, 1099 income, 1 rental property, kids, under $1m of investable assets, more complex portfolio needs.
- High Complexity - $8,400/yr+ - Example Client: Most advanced complexity needs. Retired or planning to retire soon, preparing to sell a business, multiple rental properties, owns multiple businesses, has grandkids, $1m or more of investable assets.
**These are just guidelines, the final fee may be more or less than shown here, based on the complexity and needs of each client’s situation.
Tier 3
One-Time Financial Plan
We understand that an ongoing relationship may not be the right fit for everyone—and that’s completely fine. No hard feelings! For those who prefer a shorter, more limited engagement, we offer a project-based or a one-time financial planning service. With this option, we'll create a customized financial plan designed to help you achieve your goals. Once the plan is delivered, our engagement concludes, but we’re always here if you’d like to revisit or update your plan in the future.
Who Is It For
You may be a good candidate for a one-time financial plan if:
- You have a good handle on your finances and prefer to DIY all the way.
- You’re looking for a personalized financial roadmap to help you achieve your goals.
- You want the expertise of a financial professional without the commitment of an ongoing relationship.
- You have a specific financial challenge or goal, such as budgeting, optimizing your investment portfolio, planning for college expenses, or navigating a major life event like a new job or the loss of a loved one, that you'd like support with.
Pricing - Flat One-Time Cost
- $4,000
Schedule a Complimentary Consultation Today!
During your complimentary consultation, we’ll get to know you better, discuss your unique financial situation, and outline how our innovative approach can work for you. Whether you’re interested in full-service wealth management, planning and advice only, or a one-time plan, we’re here to save the day!
About
Meet Dwayne Reinike, CFP®, ChFC®, the Nerd Behind Valiant Financial Planning
As the founder of Valiant Financial Planning, Dwayne supports tech workers and physicians in growing, protecting, and distributing their wealth while they focus on living their best lives. He understands the value his clients place on hiring a professional to develop a flexible, tailored financial plan that allows them to make the most out of their hard-earned money.
Dwayne is a CERTIFIED FINANCIAL PLANNER® Professional, U.S. Navy Veteran, Spouse, Father, Star Wars nerd, so-so soccer player, and an out-of-practice guitarist. Dwayne is passionate about guiding clients toward financial freedom while helping them overcome any challenges that life may throw at them.
Because Dwayne focuses on each client’s best interests, he takes great pride in a flat fee only structure. If you become a Valiant FP client, you can focus on your financial success without worrying about paying commissions or other unexpected fees.
Dwayne does not have to abide by any corporate agenda, meaning his advice is completely objective and based on what is best for your long-term financial well-being. He hopes to bring you the high level of expertise and professionalism of large, national firms with the personalized attention and culture of a small, independent firm.
Outside of work, Dwayne enjoys making memories with his beautiful wife, Scarlet and his three teenage children: Ayden, Gaige and Lucielle. His family is the motivation behind his hard work and he strives to help his clients achieve the same type of happy, fulfilling lifestyle he works hard to provide for his loved ones.
Our Core Values
At the heart of everything we do are our core values: Innovation, Passion, Personability, and Communication. These principles guide our actions and define our approach, shaping who we are and how we serve our clients every day.
Innovation
We embrace cutting-edge technology to deliver forward-thinking financial solutions that are both effective and efficient. Our innovative pricing model reflects our commitment to transparency and flexibility, ensuring our clients receive the best value.
Passion
We are driven by a genuine commitment to helping physicians and tech professionals secure their financial futures. Our enthusiasm fuels every interaction, ensuring we go above and beyond to guide you with dedication and care at every stage of your journey.
Personability
As a small, client-focused firm, we pride ourselves on being approachable and deeply connected to the individuals we serve. Our clients are not just numbers—they are unique people with distinct goals and ambitions. We listen, understand, and prioritize being there for you when you need us, providing personalized support every step of the way.
Communication
Open, transparent, and proactive communication is at the heart of everything we do. We ensure you’re always informed, confident, and involved in your financial journey.
Home
Comprehensive Financial Planning for Tech Professionals & Physicians in the Seattle Area
Valiant Financial Planning partners with tech professionals and physicians in the Greater Seattle Area. Armed with knowledge and compassion, we craft personalized financial plans that align with your unique missions.
Valiant Financial Planning
Empowering Your Financial Future
Our superpower lies in our innovative & transparent approach, ensuring you can focus on saving lives or developing technology while we secure your financial future. Together, we will navigate your financial landscape, grow your wealth, protect your assets, and create a legacy that stands the test of time. Together, we’ll tackle every financial obstacle and ensure you emerge victorious on your journey to financial freedom. Join us as we champion your success and help you thrive!
You Might Be a Great Fit for Valiant Financial Planning If…
- Your coworkers call you the “Tech Wizard,” but you still feel like a Muggle when it comes to your investment strategy.
- You would rather code an app to manage your finances than actually sit down and plan them out.
- You are trying to navigate your company’s RSUs and feel like you need a PhD in finance.
- Your calendar is full of meetings, and you don’t have the time to focus on your personal financial goals.
- You would prefer to hire a SuperNerd to handle the details while you stick to what you do best: saving lives.
Your Goals, Our Guidance
Your financial goals are one-of-a-kind and specific to you. The good news is we offer three different service tiers, so you can choose the one that best meets your needs. Depending on your situation, we offer full-service wealth management, ongoing financial advice, or a one-time financial plan.
Tier 1
Full-Service Wealth Management
Our comprehensive wealth management service provides personalized financial planning, investment management, and ongoing guidance. We will cover key areas such as cash flow, portfolio allocation, equity compensation, and more.
Tier 2
Ongoing Financial Planning and Advice Only
Ideal for DIY investors who want professional guidance, this service offers personalized financial planning with ongoing support and guidance while the client implements and manages the investments themselves.
Tier 3
One-Time Financial Plans
For those who prefer financial guidance without a long-term commitment, we offer project-based, one-time financial plans. You’ll receive a tailored financial plan with clear, actionable steps to implement on your own, along with the option for follow-up sessions as needed.
Fee-Only Services
We understand that our clients are looking for a trusted financial planner and reliable advice, not a stockbroker with a sales pitch. That’s why we offer a simple, flat monthly fee—so you can plan and budget with confidence. With us, you won’t have to worry about the typical 1%+ Assets Under Management (AUM) fees that can quickly add up as your investments grow, eating into your returns over time.
Focus on Physicians and Tech Pros
As a physician or tech worker employed by a tech giant like Amazon, Microsoft, or Google, you face unique financial challenges and opportunities. We understand that your time is valuable, and we're here to help ease some of that burden. Our financial planning services are specifically tailored to meet the needs of busy professionals like you, offering expert guidance that fits seamlessly into your demanding lifestyle.
Unmatched Expertise
Valiant Financial Planning is led by Dwayne Reinike, a CERTIFIED FINANCIAL PLANNER® professional and a Chartered Financial Consultant®. With a deep passion for helping physicians and tech professionals achieve—and surpass—their financial goals, Dwayne is committed to empowering his clients to live life to the fullest now, in the future, and for years to come.
Client-Centered, Comprehensive Approach
At Valiant FP, financial planning is all about you. Your goals. Your dreams. Your desired lifestyle. That’s why we take a client-centric approach that considers every piece of your unique puzzle. We believe in creating customized financial plans that are as unique as you are—tailored to align with your personal goals and values, with the flexibility to adapt as your needs evolve.
Expert Financial Planning Tailored for Tech Professionals
If you’re employed by a major tech giant, you’re likely entitled to a variety of benefits beyond just a competitive salary. Depending on your employer and role, you may receive equity compensation such as Restricted Stock Units (RSUs) or stock options, along with access to a company-sponsored retirement plan and insurance benefits. We’re here to help you navigate these offerings and address important questions like:
- What do I do after my RSUs vest?
- How much of my income should I put into my 401(k)?
- What is the difference between the Traditional and Roth 401(k) options, and which one should I choose?
- What is a Mega-Backdoor Roth, and is it right for me?
Ready to Begin Your Epic Journey to Financial Success? Schedule a Complimentary Consultation Today!
If you’re a tech pro or physician looking to secure your financial future, Valiant Financial Planning is here to help. Through a complimentary consultation, we’ll get acquainted, learn more about your financial planning needs, and answer any questions you may have so we can determine if our services are a good fit for you.