Accountants for HENRY (High Earners Not Rich Yet)
If you’re a high earner but not yet wealthy, you’re in the critical HENRY stage—High Earner, Not Rich Yet. This is when tax strategy matters most. You need more than a tax preparer—you need an accountant who specializes in helping six-figure professionals build long-term wealth. This page features vetted accountants who focus on proactive tax planning, equity compensation, investment strategy, and entity setup for people earning $150K–$500K annually. Whether you're a tech employee with stock options, a consultant with side income, or just tired of overpaying in taxes, the right accountant can help you save thousands and grow faster.
Need to outsource something else? Search for proactivefinancial advisorsandfractional CFOson Sam’s List too. Make sure to check the reviews, it’s one of the most important parts of your vetting process!
Need to outsource something else? Search for proactivefinancial advisorsandfractional CFOson Sam’s List too. Make sure to check the reviews, it’s one of the most important parts of your vetting process!
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What Does an Accountant for High-Income Earners (HENRYs) Do?
These accountants specialize in helping high earners build wealth before they reach “rich” status. Key services include:
Tax Planning for High Earners: Reduce taxable income through 401(k)s, backdoor Roth IRAs, HSAs, and tax-loss harvesting.
Equity Compensation Guidance: Help with RSUs, ISOs, NSOs, AMT exposure, and 83(b) elections.
Capital Gains Strategy: Minimize taxes when selling investments, real estate, or stock.
Budgeting & Cash Flow for Wealth Building: Prevent lifestyle creep and allocate income toward savings, debt payoff, and investments.
Entity Setup for Side Income: Optimize taxes for LLCs, S Corps, or consulting income.
Financial Integration: Coordinate with financial advisors for long-term planning.
QSBS & Advanced Planning: Support for Qualified Small Business Stock exclusions and other advanced tax strategies.
Tax Planning for High Earners: Reduce taxable income through 401(k)s, backdoor Roth IRAs, HSAs, and tax-loss harvesting.
Equity Compensation Guidance: Help with RSUs, ISOs, NSOs, AMT exposure, and 83(b) elections.
Capital Gains Strategy: Minimize taxes when selling investments, real estate, or stock.
Budgeting & Cash Flow for Wealth Building: Prevent lifestyle creep and allocate income toward savings, debt payoff, and investments.
Entity Setup for Side Income: Optimize taxes for LLCs, S Corps, or consulting income.
Financial Integration: Coordinate with financial advisors for long-term planning.
QSBS & Advanced Planning: Support for Qualified Small Business Stock exclusions and other advanced tax strategies.
FrequentlyAsked Questions
Q1: What does HENRY mean in finance?
HENRY stands for High Earner, Not Rich Yet—typically someone earning $150K–$500K annually who hasn’t built long-term wealth yet due to taxes, debt, or spending.
Q2: Do HENRYs need a tax-focused accountant?
Yes. HENRYs are in the best position to save on taxes and accelerate wealth—but only with the right strategy. An accountant can help reduce your tax bill and plan smarter.
Q3: What tax strategies help high-income earners save money?
Maxing out pre-tax retirement plans, using a backdoor Roth IRA, tax-loss harvesting, AMT planning for stock options, 83(b) elections, and setting up an LLC or S Corp for side income.
Q4: How do I find the right accountant if I’m a HENRY?
Search for accountants who specialize in high-income earners, equity comp, and wealth-building. Ask about experience with RSUs, backdoor Roths, and cash flow strategy.
Not sure who’s right for you as a HENRY? Answer a few quick questions, and we’ll introduce you to someone who fits.
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