Meet Our Team

Geoffrey Zimmerman is a senior advisor and chief compliance officer at San Francisco Bay Area-based wealth management firm Mosaic Financial Partners.

Geoff is a CERTIFIED FINANCIAL PLANNING™ practitioner who specializes in serving corporate officers and directors of public companies and their families. His favorite part of advisory work is earning the role of valued thought partner with clients who are honorable, thoughtful, intelligent, dedicated, kind, and fair; this role offers Geoff the chance to exercise his creativity and to use his analytical and problem-solving talents to serve others. His career also affords him an opportunity to see the world through a variety of perspectives, helping him expand his own horizons.

Geoff’s typical clients have traditional financial planning goals overlaid with the additional layers of complexity faced by today’s hard working junior- and senior-level corporate officers and directors. Despite their own credentials and expertise, they are aware of the pitfalls of limited perspective and choose to work with Geoff because of his experience navigating a high degree of technical and practical knowledge on topics such as executive benefit plans, equity compensation, the shifting tax environment, and sensitivity heightened levels of public and regulatory scrutiny. Executives who successfully leverage their time and expertise tend to be more effective for their companies; this process leads to better decisions critical to the present and long-term success of their organization. For over two decades as a Bay Area financial advisor, Geoff happily brings this same process to people like you and your family.

In addition to Senior Advisor, Geoff also serves as Chief Compliance Officer; he participates in Mosaic's internal financial planning and executive investment committees, and is part of Mosaic’s management team. He joined Mosaic in 2007. Geoff earned the CFP® designation in 2000; at the University of California Santa Barbara, Geoff double-majored in economics and mathematics, receiving his BA in 1989. He is also an accomplished amateur photographer, an active volunteer, and a dedicated husband.


Specialties

  • Executives, Corporate Officers, Directors
  • Equity Compensation, Executive Benefit Plans
  • Stock Option Strategies
  • Navigating Current or Future Life Transitions

POSTS BY Geoff

In The News

Absolute Trust Counsel / April 17, 2018

Financial Planning: The Pieces & The Big Picture

Kirsten Howe hosts Geoff on her podcast, Absolute Trust, and together they discuss the moving parts associated with life transitions and how financial advisors can help navigate them objectively, touching on other elements of financial planning, such as 529 plans and executive compensation. 

 
Investopedia / June 23, 2017

5 Considerations If You Need Earthquake Insurance

Available policies have been updated, and earthquake insurance might be a good option to protect your equity, but how robust a policy do you need, and how do things like your land's soil condition come into play? Geoff outlines 5 angles to think about when it comes to considering earthquake insurance.

Originally published on our newsletter;  our blog boasts a more in-depth version

 
NerdWallet / November 15, 2016

Paying More Tax Today May Be Your Best AMT Strategy

Geoff explains a strategy to accelerate income to take advantage of the 28% tax rate under the AMT system now, rather than having increased income be exposed later to a rate of 39.6% under the regular system. If your AMT income is more than $494,900 and is below the point where AMT and the ordinary tax rate converge, you can and should look for ways to increase your income.

Syndicated to SF Gate, My San Antonio, The Atlanta Journal Constitution, Palm Beach Daily News, Palm Beach Post, the Austin-American Statesman, WHIO, Journal News, and NewsOK.

 

NerdWallet / October 20, 2016

Reducing Your Income to Escape the Alternative Minimum Tax

If you got hit by the federal alternative minimum tax - also known as the AMT - last year, or you think you might get hit by it this year, now is the time to think about your tax planning. Geoff outlines several ways to reduce your alternative minimum taxable income to the point where the AMT is less than the ordinary tax; strategies include retirement contributions, incentive stock options, itemized deductions, charitable contributions, and more. 

Syndicated to SF Gate, My San Antonio, The Atlanta Journal Constitution, Palm Beach Daily News,  Palm Beach Post, Austin-American Statesman, WHIO, Journal News, and NewsOK.

 
Investopedia / September 15, 2016

Selling Employee Stock Purchase Plan Shares

In part two of his ESPP article series for Investopedia, Geoff delves into qualified sales, positing several scenarios, including what to do if the stock price decreases in a qualified sale, and special situations that allow for selling shares as a disqualified sale. 

 
Investopedia / September 9, 2016

Tax Tips for Employee Stock Purchase Plans

Geoff explains different ways to approach the sale of ESPP shares from a tax-optimized stance in his two-part series for Investopedia on stock option strategies. Syndicated to StockOpter.com.

 

Investopedia  / August 24, 2016

Turning Retirement Cash Flow Into Your Own Paycheck

Geoff sees similarities between managing cash flow in retirement and managing water. Your investment portfolio is like the snowpack in the mountains; melted snow flows into a reservoir; the dam attached to the reservoir meters the flow of water. In his first article for Investopedia, Geoff explains how you can go with the flow and create a regular paycheck from your portfolio in retirement. 

 
Nerdwallet  / May 16, 2016

Navigating the Alternative Minimum Tax

The AMT is an alternative method of calculating federal income tax that runs parallel to the ordinary method. To determine whether you are subject to the AMT, you have to map both routes simultaneously. Whichever route results in the greater tax amount, that’s the one you follow — and that’s the amount you pay. Geoff helps you navigate the rocky road of the AMT.
Also seen on LinkedIn Pulse.

 

Nerdwallet  / April 25, 2016

2 Portfolio Protection Strategies That Don't Work - And 2 That Do

Geoff weighs the pros and cons of several portfolio protection strategies, with an eye toward long-term results unaffected by emotionally-biased decisions. This article has been syndicated to multiple outlets, including Nasdaq, The Statesman, Palm Beach Post, NewsOK, and the Atlanta Journal Constitution (AJC)

Also seen on LinkedIn Pulse.

 

Smart Business / September 29, 2013
How executives can plan now for their 2013 taxes

 

Smart Business / September 16, 2013
Making the Most of Open Enrollment

BIOGRAPHY

Education

BA, Economics and Mathematics, University of California Santa Barbara, 1989
Certificate in Personal Financial Planning with Distinction, University of California Berkeley, 2000

 

Accreditations

CFP©, CERTIFIED FINANCIAL PLANNER professional, 2000

AAMS®, Accredited Asset Management SpecialistSM, 1999

 

Awards

Chairman’s Club, Charles Schwab & Co. 1997, 2003

Excellence in Advice, Charles Schwab & Co 2000

 

Professional Affiliations

Financial Planning Association (FPA) and predecessors (IAFP)

Member - East Bay Chapter
1994-1995 (IAFP), 2006-present (FPA)

 

Estate Planning Council of Diablo Valley

Professional Member Category: Certified Financial Planner

2007 – Present

Past Officer Positions at the Estate Planning Council of Diablo Valley:
Past President Advisor 2015-2016

President 2014-2015
Vice President and Speaker Chair 2013-2014
Treasurer, 2011-2013
Membership Chair 2010-2011
Director 2009-2010

 

California CPA Society

Member At large – East Bay chapter

2011- Present

 

Investment and Wealth Institute and predecessors (IMCA)

Member at Large

2014 - Present

Certificate Programs:

Advanced Investment Strategist: 2014 and 2015

 

National Association of Stock Plan Providers (NASPP)

San Francisco chapter - Member at Large

2016 - Present

 

East Bay Regional Parks Foundation

Planned Giving Committee - Member
2015 – Present