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Private Wealth Platform for Startup Employees

Don't let your options expire because of the cost.

MoveWealth is the private wealth platform for startup employees. Find financing, manage your equity, and navigate every stage from exercise to exit.

Find Out What It Costs How it works →
The startup employee equity platform
Forward Finance Contracts
25–30%
of your equity at exit
MoveWealth Network
No equity taken
Our financing partners do not take equity. You keep your upside.
The math: On a $300K exit, a forward finance contract costs you $75K+ of your own proceeds. MoveWealth partners with lenders who charge a fee, not a cut of your exit.
Free
for employees
End to end
exercise to exit
How It Works

From first question to final exit,
we are with you every step.

Step 01

Find out what it costs

Use the Option Exercise Engine to see exactly what exercising your options costs today — strike price, estimated taxes, and timing. Free and instant. No account required.

Free instantly
Step 02

Build your equity profile

Share your grant details and financial situation. MoveWealth structures your equity position so financing partners have the context they need to work with you.

No commitment required
Step 03

Get matched to the right partner

We connect you to the right financing partner for your profile — personal lenders for standard needs, specialized capital partners for larger positions. You pay nothing. Financing partners pay MoveWealth.

Free for employees
Step 04

Manage your equity for life

After exercise, MoveWealth stays with you. Secondary market intelligence, share sale introductions, wealth management connections, and Althea — your AI equity guide — available whenever you need them.

Exercise to exit

Option Exercise Engine

Find out what exercising actually costs you

Most employees never see the real number until it is too late. Enter your grant details for a full breakdown in under 60 seconds.

1
Your Grant
2
Tax Context
3
Unlock Results
4
Your Breakdown
Step 1 of 3
Tell us about your grant
Basic details from your option grant agreement. Found in Carta, Pulley, or your offer letter.
Your company's website
Please enter your company URL
Please enter your company name
Required
Required
Your most recent 409A valuation
Required
Required
Step 2 of 3
Your tax situation
Used to estimate your exercise tax liability. All estimates are illustrative. Talk to a tax advisor before exercising.
Required
Required
Required

Your breakdown is ready.

Enter your name and email to unlock your personalized exercise breakdown, including early vs. late exercise comparison and financing estimate.

Required
Enter a valid email
Estimated current value of your vested options
This is what your vested options are worth today based on the current 409A valuation. The spread between your strike price and current FMV, multiplied by your vested shares.
Current FMV per share
Strike price per share
Vested shares
Total cash needed to exercise today
The total out-of-pocket cash required to exercise your vested options right now, including estimated tax liability at exercise.
Exercise cost (shares x strike)
Estimated tax at exercise
Option type
How MoveWealth can help
Based on your equity profile, MoveWealth can match you to financing partners who specialize in option exercise. Free for employees. Partners pay MoveWealth, not you.
Your exercise gap
Equity value backing your position
Find My Financing Options →

Estimates are illustrative only and not financial, tax, or legal advice. Tax calculations use simplified assumptions. Actual liability depends on your full tax situation. Consult a qualified tax advisor before making any exercise decision.

Start over with different numbers
The Platform

Everything your startup equity needs.
In one place.

MoveWealth is built for the entire equity journey — not just the moment you decide to exercise.

Exercise financing, matched to you
We connect you to personal lenders and specialized capital partners who understand private equity. Our financing partners do not take equity. You compare options and choose what works for you. MoveWealth is free for employees — partners pay us.
Secondary market intelligence and introductions
Already exercised? MoveWealth monitors secondary market pricing for your shares, surfaces liquidity opportunities, and facilitates introductions to Hiive, Forge, Caplight, and other marketplace partners when the time is right.
Wealth management built for startup equity
Most wealth managers do not understand private market equity. MoveWealth connects you to CPAs specializing in equity compensation, RIAs who work with startup employees, and estate planners who can help you think beyond the exit.
Althea — your AI equity guide
Althea is MoveWealth's AI assistant. Ask her anything about option exercise, tax implications, secondary markets, or wealth management. She knows your equity profile and proactively surfaces what matters before you think to ask.
From the Blog

Insights for startup employees

Practical guidance on option exercise, equity tax strategy, secondary markets, and building wealth from your startup equity.

Option Exercise
What exercising your stock options actually costs — and why most employees get it wrong
Coming soon
Read on Substack →
Tax Strategy
ISO vs NSO: the tax difference that could cost you six figures at exit
Coming soon
Read on Substack →
Secondary Markets
How to sell private company shares before an IPO — and when it makes sense
Coming soon
Read on Substack →
Subscribe for new articles on Substack →
Get Started

Be among the first
to exercise smarter.

Join the waitlist and get early access to the platform. We will be in touch within 48 hours.

Reserve your spot.

Tell us a bit about your situation. No commitment required.

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We'll reach out within 48 hours. Refer colleagues at other Series B+ startups to move up the queue.

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FAQ

Common questions.

When you leave a startup, you typically have 90 days to exercise your vested stock options or they expire permanently. This is called the post-termination exercise window. After that deadline, your options are forfeited with no compensation regardless of how much they may be worth.
Yes. MoveWealth connects startup employees to financing partners who specialize in option exercise. Our network includes personal lenders and specialized capital partners who understand private equity as collateral. You pay nothing to MoveWealth — our partners pay us. Startions. Unlike non-recourse competitors who take equity at exit, MoveWealth charges a no equity stake you keep 100% of your shares.
Forward finance contracts (offered by non-recourse lenders) take 25–30% of your equity at exit in exchange for covering your exercise cost. MoveWealth is a recourse loan repaid over time from income not from your exit. You keep 100% of your upside.
No. Your shares are pledged as collateral but never transferred. You remain the legal owner and can sell at any time. Non-recourse competitors take 25–30% equity participation at exit meaning they own a portion of your IPO upside.
MoveWealth serves employees at Series B and later stage companies with strong institutional backing and active secondary markets. We're built for employees at well-funded startups in AI, SaaS, fintech, and developer infrastructure the companies most likely to have a meaningful liquidity event.
MoveWealth is a purpose-built option exercise loan not a general personal loan. Proceeds are disbursed directly to your company for the exercise cost and to the IRS for applicable taxes. Your shares serve as collateral and you repay over time.
The 90-day window is the standard period after leaving an employer during which you must exercise your vested stock options. After 90 days, ISOs expire or convert. If you're approaching this deadline, MoveWealth can move quickly underwriting takes 24 hours or less.
Yes. MoveWealth serves both current employees with expiring options or upcoming liquidity events, and employees who have recently departed and are within their exercise window. You don't need to have already left to qualify.