The STEM Financial Group

Your first paycheck
deserves a
real plan.

The 90-day financial playbook built specifically for first-generation STEM graduates... so you stop leaving money on the table from day one.

$97 One-time.
Instant download.
Get the Playbook Now

Instant access. No calls required.

Inside the Playbook

1

Days 1–30

Decode Your Compensation

Offer letter audit, benefits enrollment, and first paycheck decoded line by line.

2

Days 31–60

Build Your Foundation

Automate your savings, capture every match dollar, and close your protection gaps.

3

Days 61–90

Activate Your Strategy

Understand your equity, know your tax exposure, and make your next move with clarity.

The average first-gen STEM grad leaves $10,000–$30,000 on the table in their first year... in benefits elections they didn't understand, employer match they didn't capture, and withholding they never adjusted.

The Problem

Your employer handed you an offer. Not an instruction manual.

$30K
Average money left on the table by first-gen earners in year one alone.
90
Days. The most financially consequential window of your entire career. Decisions made here compound for decades.
$0
What your employer will pay you to understand any of this.

What's Inside

Three phases. Ninety days. A foundation that lasts.

Phase 1 · Days 1–30

Decode Your Compensation

  • Offer letter audit with total comp breakdown table
  • Benefits enrollment checklist for 401(k), HSA, disability, and more
  • First paycheck decoder... every line explained
  • W-4 withholding verification prompt
  • Employer match calculator

Phase 2 · Days 31–60

Build Your Foundation

  • The First-Gen Financial Stack... 7-priority sequenced plan
  • Automation setup tracker for savings and bills
  • Direct deposit split strategy
  • Protection gap analysis for income, disability, and life coverage
  • Roth IRA setup guide

Phase 3 · Days 61–90

Activate Your Strategy

  • RSU and equity overview worksheet
  • Tax snapshot with marginal rate and pre-tax deduction math
  • Vesting schedule tracker
  • 90-day completion checklist
  • Your next move... mapped to The STEM Financial Group services

This Is For You If...

You are the first in your family to earn like this.

  • ✓ You just accepted your first real offer in STEM, healthcare, or higher ed
  • ✓ You started a role in the last 1–3 years and suspect you've already missed something
  • ✓ You have a benefits package you enrolled in by default without fully understanding it
  • ✓ You received equity or RSUs and don't fully understand what happens at vest
  • ✓ You didn't grow up watching anyone navigate a W-4, a 401(k) match, or an HSA

This Is Not For You If...

You already have a financial advisor optimizing every line of your compensation.

This workbook is for the professional in the accumulation phase... the one who is building from scratch without inherited financial knowledge or a family member who's done this before. If that's you, this is exactly where to start.

Jackie Whitehead

First-Gen Tech Wealth Strategist

Founder, The STEM Financial Group Goldman Sachs One Million Black Women Alum Vital Voices Fellow 2× LinkedIn Top Voice Nasdaq Milestone Circles Member Featured: ABC · Forbes · FOX · CBS 25+ Years in Tech and Finance

I built The STEM Financial Group because traditional financial advisors won't work with you yet. They have minimum asset thresholds of $250K or more... which means first-gen professionals in the accumulation phase are completely on their own during the years that matter most.

I work upstream of where fiduciaries engage... optimizing your RSUs, your benefits, your paycheck, and your tax exposure before you have significant assets to manage. Because the decisions you make in the first 90 days of a new role are the ones that compound for decades.

This workbook is the starting point. Everything I teach my clients starts here.

The playbook your employer
will never hand you.

One-time. Instant download. No calls, no discovery sessions, no fluff. Just the 90-day plan.

$97

First-Gen Fast-Start: Your 90-Day Financial Playbook
Instant download · PDF workbook · No subscription

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After purchase, forward this to every first-gen you know who just accepted an offer or started a new role in the last 90 days.
This is what they need right now.