Investment Management Services
Dell Technologies employees
what you have
Dell provides a range of retirement, stock, and health-related benefits. We help you understand how each benefit fits with your taxes, investments, and long-term goals, then coordinate the choices within one financial strategy.
Your contribution rate, the company contributions available to you, and how the account is invested each affect what the plan can provide later. We help you evaluate those choices together and revisit them as your compensation changes.
Dell employees may have the opportunity to purchase company shares through payroll deductions. We help you weigh participation and the decision to hold or sell against your other holdings, your tax situation, and what the money is intended to support.
Stock awards can create taxable income as they vest and can increase your exposure to a single company. Performance-based awards add a second variable, since the amount that eventually vests may differ from the target. We help you plan for the tax, the timing, and the decision to hold or sell.
Eligible employees may have the opportunity to defer income beyond the qualified plan limits. The deferral election and the distribution election both deserve attention, and a nonqualified balance carries different protections than a 401(k). We help you evaluate whether participating serves your plan.
acquisitions and predecessor employers
For employees who joined Dell through an acquisition, or whose careers have crossed a business that was later sold or separated, part of the financial picture may still be governed by a predecessor employer’s retirement plan, equity program, or benefit arrangement. Those assets may follow different terms, timelines, and decision points than the benefits available today.
We help you understand what is governed by which arrangement, identify elections or deadlines that deserve attention, and coordinate current and legacy benefits within one financial plan.
what people ask us
Here is what we look at to find yours.
Your contribution rate should reflect both the opportunities available through the Dell plan and the rest of your financial priorities. We help you choose a level that makes effective use of available employer contributions while preserving enough cash flow for emergency reserves, debt repayment, share purchases, and other goals. As your compensation and priorities change, the strategy should change with them.
Pre-tax contributions lower your taxable income today, while Roth contributions can provide tax-free income in retirement. The decision involves more than comparing tax rates. Equity income, Social Security, required withdrawals, and other sources all affect your future tax picture. Using both may give you more flexibility to manage taxable income later.
How your retirement account is invested is a choice often made with little thought, yet over time it can substantially affect when you retire and the lifestyle your savings can support. We help you evaluate the plan’s investment options alongside your other investments, time horizon, risk tolerance, and exposure to Dell stock. The goal is an allocation that supports your broader retirement strategy.
Participating in your company’s stock purchase plan involves looking beyond the immediate benefit of the discount. While the plan offers a clear advantage, it helps to look at the choice in light of your overall financial situation and objectives. We can review your total picture, balancing your routine plan purchases alongside your vested shares, unvested equity, and retirement accounts, to help ensure your decisions support your broader wealth goals.
There is no single percentage that fits every situation. We look at your total exposure: vested shares, unvested awards, purchase plan holdings, and any company stock inside your retirement accounts. We weigh that against the taxes a sale would trigger, any trading restrictions you are subject to, and how a significant drop in the stock would affect the rest of your plan.
Possibly. Balances and awards created under a predecessor employer may follow their original terms rather than the ones described in current plan materials, and separated or divested businesses add another layer. We read what you hold, then decide what to consolidate, what to leave alone, and what needs attention before a deadline passes.
We evaluate your retirement accounts, equity awards, Social Security, other assets, expected expenses, taxes, healthcare costs before Medicare, and retirement goals. We then test your plan against different market conditions and life expectancies to determine a realistic retirement date and identify the changes that could help you retire sooner.
how we work
A personalized process designed to answer your questions, clarify your choices, and integrate your Dell benefits into your broader financial life.
We discuss the decisions on your mind, your financial priorities, and what you want your benefits and savings to accomplish.
We evaluate your retirement accounts, equity awards, income, taxes, insurance, debts, and other assets to understand how everything fits together.
We evaluate each option within the context of your financial situation, explain the tradeoffs, and organize your decisions by timing and importance.
We help you implement the recommendations, coordinate your investments, and keep your strategy aligned as your life and financial needs evolve.
Start with the questions on your mind. We will take it from there.
We connect them with every part of your financial life, with one team coordinating the decisions that affect one another.
Your workplace accounts, company stock, and outside investments coordinated as one portfolio, aligned with your goals, retirement timeline, and risk tolerance.
How contributions, vesting events, share purchases, withdrawals, and other income sources can be coordinated to manage taxes now and in retirement.
Whether your life and disability coverage are sufficient to protect your income, your family, and your financial plan.
Financial guidance through a change in role or employer, a reorganization, a move to part-time work, retirement, divorce, an inheritance, caregiving responsibilities, and other major life events.
before you get in touch
We work with Dell employees at every stage of their careers, from those beginning to build savings to those preparing for retirement.
The earlier you begin, the more opportunity you have to strengthen your financial future. Decisions about contribution rates, Roth versus pre-tax savings, investment selection, share purchases, and what to do at each vesting date can have a significant long-term impact.
Meet with us remotely or in person, either at our Westborough office or wherever you feel most comfortable.
Start with whatever matters most to you, whether that is your retirement date, your equity awards, the stock purchase plan, your contribution strategy, or debt. We will help you understand how each decision fits into your broader financial plan.
Finivi Inc. is not affiliated with, endorsed by, or sponsored by Dell Technologies Inc. or any affiliated entity. This employer is named here only to identify groups of employees the firm serves. References to benefit provisions come from publicly available employer and plan materials, including documents filed with the Securities and Exchange Commission, current as of July 2026, and are included for identification and educational purposes. This material is educational and is not personalized investment, tax, accounting, or legal advice, and it is not a recommendation to buy or sell any security or to adopt any particular strategy. Everyone’s situation is different. Benefits vary by employing entity, hire date, and location, and are subject to change. Plans described here have been amended over time and may be amended again. If anything here conflicts with a plan document or grant agreement, those documents govern. Check the details against your own plan documents before acting, and talk to a qualified tax advisor or attorney about your specific situation. Finivi is not a law firm or an accounting firm and does not provide legal or tax advice. Investing involves risk, including the possible loss of principal. Registration with the Securities and Exchange Commission does not imply any particular level of skill or training. Advisory services offered through Finivi Inc., an SEC Registered Investment Advisor.