Financial Advisor for MedTech Employees | Equity Compensation & Retirement Planning – Summit Investment Advisors

Summit Investment Advisors works with employees of the MedTech industry across the country, helping them make sense of equity compensation, time their retirement around vesting schedules, and build a tax strategy that accounts for income most financial plans aren't built to handle.

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Headquarters:

3065 Centre Pointe Dr Suite 2
Roseville, MN 55113

1650 West End Blvd #100
St Louis Park, MN 55416

Florida:

4800 N Federal Highway, Suite B111
Boca Raton, FL 33431

$1B+ Brokerage and Advisory Assets

We crossed the billion-dollar mark in 2025, built over 25 years one client relationship at a time. (As of July 2026)

1,300+ Families & Businesses Served

From first careers to estate transitions, we've been the consistent advisor through it all.

145+ Google Reviews From Our Clients

Many of our clients refer their families and their friends to us. That's still the feedback we care about most.

How We Help MedTech Employees

Working at a medical technology company means your compensation doesn't look like a typical paycheck alone. Some compensation packages include stock options and a retirement plan built around a specific match formula, so the decisions in front of you can be very different from the ones a generalist advisor is used to solving.

Many of our clients from the medtech industry find us when they’re considering the best move at a specific moment in their career. Maybe a vesting cliff is coming up, maybe they are catching wind of a possible layoff, or maybe they’re weighing options around a specific retirement date. Summit is here to help.

Summit works with MedTech employees across the Twin Cities to help them:

Pick the optimal retirement date around a vesting schedule.
Understand exactly what they keep, or what they lose, if a role is eliminated.
Reduce concentration risk when a large share of net worth sits in one company's stock.
Decide whether to hold, sell, or split RSUs and stock options as they vest.
Plan for what comes after their current medtech career, whether that's full retirement, consulting, or a move to another MedTech company.

We've been working with medtech employees for over three decades, since Sean started running workshops across the Twin Cities in the early 1990s. Education has always been a top priority as we present in our workshops, because it's important to understand your equity compensation and your options clearly, not just trust us to handle it.

What We Do, And Why It Matters for MedTech Employees

Summit's work is built around three areas that function as a single system, because a decision about your equity compensation affects your taxes, and a decision about your taxes affects how your portfolio should be positioned. We have worked with clients across various MedTech companies, so we know where equity compensation decisions get complicated. Here's how we approach each one.

Retirement Income Planning

For MedTech employees, retirement income planning starts before retirement, at the vesting schedule. Summit works through when to retire relative to your equity grants, how to sequence withdrawals between retirement accounts and vested shares, and how Social Security and RMD timing fit around income that isn't a steady paycheck.

Investment Management

Company stock concentration is the most common issue we see. Summit builds a plan to diversify out of concentrated positions gradually, without triggering a tax bill you didn't plan for, and manages the rest of the portfolio to support the income you'll eventually need from it.

Tax Planning

RSU vesting and option exercises are taxable events, often at the least convenient time. Summit builds multi-year tax projections that account for your equity compensation alongside your salary, so you can see what you'll owe before you decide anything, not after.

What 30+ Years of Working with Employees of MedTech Companies Looks Like

Summit was founded in 2000, and our average client relationship is 15 years long. In a business where trust is everything, that's the most honest measure of how things are going.
Sean McDermott, CFP, built this firm by teaching retirement and tax planning workshops around the Twin Cities, and he’s been doing so since the early 1990s. Attendees have included employees of Fortune 500 companies including Medtronic, Boston Scientific, Abbott, and other leading MedTech and Medical Alley companies.
Our CFP® professionals are held to a fiduciary standard, legally and ethically required to act in your best interest. That's the standard we hold across all of our client work.
When you call our office, a real person picks up, usually within 30 seconds. And when you come in for a meeting, you're talking to someone who already knows your equity grants, your vesting dates, and your goals.
Informed clients make better decisions. That's been our model since the beginning, and it's why our workshops teach the material instead of pitching a product.

Who You’ll Work With

Sean McDermott, CFP — Founder

Sean McDermott founded Summit Investment Advisors in 2000 after spending a decade teaching retirement planning workshops at Fortune 500 companies around the Twin Cities. He's spent his career doing one thing: helping people understand their money well enough to retire with confidence. Sean and his team work closely with MedTech employees across the Twin Cities, with a particular focus on equity compensation, retirement timing, and the tax strategy that ties it together. Click here to read Sean’s full bio.

Russell Rogers, CFP® — Partner

Russell Rogers joined the financial planning world in 2007, following in the footsteps of his father, a retired financial advisor. He spent years balancing that career with service in the Minnesota Army National Guard, where he rose to the rank of Captain as a Human Resources Officer. Russell brings that same discipline and attention to detail to his work at Summit, helping clients think through decisions carefully so they can move forward with clarity. Click here to read Russell's full bio.

Scott Caskey, CFP® — Wealth Advisor & Partner

Scott Caskey has worked with Summit clients since 2011, starting in Client Services before becoming a partner — experience he draws on to explain how the moving pieces of a financial plan actually work behind the scenes. Scott focuses much of his work on the tax planning side of retirement, helping clients understand where they stand and what to expect as their plan unfolds. Click here to read Scott's full bio.

Brian Carlson, CFP® — Partner & Director of Client Service

Brian Carlson has worked alongside Summit clients since 2000, bringing a consistent standard of advice and attention to detail to every relationship. A graduate of the University of Minnesota's Carlson School of Management, Brian focuses on breaking down complex retirement strategies into something clients can actually understand and act on with confidence. Click here to read Brian's full bio.

Common Questions from Our MedTech Clients

Do you only work with MedTech employees?

We work with clients across industries, but MedTech is one of our largest concentrations of clients. In this sector, we work with employees across Medical Alley member companies, including other medical device and pharmaceutical employers in the Twin Cities.

I have years left before I can retire. Is it too early to plan around my equity compensation?

No. The earlier we understand your grants and vesting schedule, the more options you have. Some of our best outcomes come from clients who started planning five or more years out.

What if most of my net worth is tied up in company stock?

That's common, and it's one of the first things we'll look at together. There's usually a way to reduce that risk gradually without triggering a tax bill you didn't plan for.

What happens to my equity if I'm laid off or leave for another company?

It depends on your specific grant agreements and vesting schedule, which is exactly why this needs a real look rather than a general rule of thumb. We'll walk through what you keep, what you lose, and how fast you need to move.

How does Summit's fee structure work?

The best way to walk through our fee structure is in a consultation, because it depends on the scope of services you're looking for. We're happy to explain how everything works before you make any decisions. There's no cost to schedule an initial conversation, and no obligation to move forward.

How do I know my money and my financial plan are in good hands with Summit?

We point prospective clients who don’t know us well yet to a few things:

We have over 145 Google reviews from real clients that we encourage you to read. They reflect the trust that client families have placed in us over our 25-year history, and they'll give you a clearer picture of who we are than anything we could say about ourselves
We partner with LPL Financial, which is the largest independent broker-dealer in the United States.∗ They provide technology, clearing, and compliance support for more than 32,000 independent financial advisors like Summit nationwide. That partnership means we can bring institutional-level capabilities to every client relationship without losing the responsiveness and personal attention you'd expect from a firm that actually knows your name.

*as reported by Financial Planning magazine, 1996-2025, based on total revenue.

What Comes Next

If you're trying to figure out the right move on an upcoming vesting date, a possible layoff, or a retirement you haven't scheduled yet, you deserve a clear picture of where you stand. Our team is here when you're ready. There's no pitch and no pressure. A first conversation is just a conversation.