Flat-Fee Fiduciary Advisory
Your money should buy you time.
Not the other way around.
Wealth In Yourself is a flat-fee, fiduciary financial life planning firm for entrepreneurs and real estate investors. No commissions. No AUM fees. Just honest advice built around the life you want to create.
As Featured In
Why This Exists
I watched advisors take off their fiduciary hat and put on their sales hat in the same conversation.
I spent a decade at Fidelity watching advisors legally switch between fiduciary and broker-dealer mode mid-conversation. They called it “taking off your IA hat and putting on your BD hat.” It's legal. It's common. And almost nobody outside the industry knows it's happening.
So I built a firm where fiduciary isn't a hat you put on when it's convenient. Where your fee doesn't grow just because your account did. Where the person sitting across from you is building businesses, owning real estate, and designing their own life — not just managing yours.
That's Wealth In Yourself. The standard here is FIAT — Fiduciary In All Things.
Not ready to book a call? Read Josh's most popular essay.
Read “The Hat Trick Nobody Talks About”The Virtual Family Office
The planning infrastructure of the ultra-wealthy. Without the eight-figure price tag.
A Virtual Family Office coordinates your tax strategy, investments, insurance, estate plan, and business structure into one system. Typically reserved for $50M+ families. We built it into every client engagement.
Tax Strategy
Proactive tax planning, not just filing. We find the money your CPA leaves on the table.
Investment Planning
Low-cost, evidence-based portfolios. No proprietary products. No commissions.
Life Planning
We start with what you want your life to look like. The financial structure exists to serve that vision, not the other way around.
Insurance & Estate
Coverage that actually protects your family. Estate documents that reflect your values.
Business Structure
Entity optimization, retirement plan design, and cash flow strategy for business owners.
One Flat Fee
All of this, coordinated. No AUM percentage. No hidden costs. One transparent monthly fee.
Your Wealth In Yourself Experience
Most advisors send PDFs. We built you a portal.
Your dashboard, journey map, and wins tracker — live from Day 1. No PDFs. No guessing where you stand.
Dashboard
Welcome, Sarah
Your next meeting is April 22
Net Worth
$3.2M
Phase
Build
Action Items
Sign estate documents
Fund Solo 401(k)
Ground
3/3
Design
4/4
Build
2/3
Evolve
0/3
S-Corp Election Savings
Saved $18,400 in self-employment tax
March 2026
Roth Conversion Ladder
Converted $85K at 12% bracket
February 2026
Estate Plan Complete
Trust, will, POA, and healthcare directive
January 2026
Clients only. Existing clients log in at portal.wealthinyourself.com.
Your Team Under One Fee
You don't coordinate the team. We do.
Your flat fee covers the coordination. You pay partners directly only when their service is engaged. No markups. No middlemen.
Altruist
Custodian — where your investments are held, safely and independently.
RightCapital
Financial planning software — powers your projections, scenarios, and retirement models.
Encore Estate Plans
Estate planning — wills, trusts, and powers of attorney coordinated with your financial plan.
Valur
Advanced tax strategies — Charitable Remainder Trusts, OZ funds, and more.
Monarch Money
Cash flow tracking — real-time visibility into your income, spending, and net worth.
Interactive Brokers
Secondary custodian — institutional-grade access for complex portfolios and alternative strategies.
Services coordinated through Wealth In Yourself. You pay the partner directly only when their service is actively engaged. No additional advisory fees.
Who We Work With
Built for people who refuse to do things the conventional way.
Business Owners
Uneven income, entity structuring, tax complexity, exit planning. You need an advisor who actually understands what you're building.
Real Estate Investors
1031 exchanges, depreciation strategies, entity structures, passive vs. active rules. Your portfolio is complex. Your planning should match.
FIRE Followers
You didn't grind for years to white-knuckle a 4% rule. Roth ladders, tax-efficient withdrawals, coast strategies, and a plan that lets you actually live.
What AUM fees actually cost you.
(Free PDF)
A 1% AUM fee looks small. Over 20 years it compounds into six figures — sometimes seven. This PDF shows you the exact math.
Transparent Pricing
A fee that goes down as your wealth goes up.
AUM advisors charge more as you succeed. Our declining flat fee means the wealthier you get, the less you pay as a percentage. That's how incentives should work.
$0
in commissions. Ever.
100%
fiduciary, always.
1
flat fee. All services included.
Free Resources
Not ready to book a call? Start here.
Free guides built for the people we work with. No fluff. No email spam. Just the questions your advisory team should be answering.
For RE Investors
Tax Strategy Checklist
16 questions about 1031 exchanges, cost segregation, entity structure, and depreciation.
Get the free PDF →
For Business Owners
Wealth Extraction Roadmap
Valuation, QSBS, entity structure, and the full team you need before you exit.
Get the free PDF →
For W-2 Professionals
W-2 Escape Plan
Runway math, health insurance, entity setup, and 13 questions before you make the leap.
Get the free PDF →
Latest Writing
Recent essays and insights.
What Financial Therapy Actually Is
It's not therapy about money. It's not financial advice with feelings. It's the missing piece between the spreadsheet and the life — and most advisors have never heard of it.
Money Is a Tool. Most People Treat It Like a Scoreboard.
The wealthiest people I work with didn't get happier when the number went up. They got happier when they figured out what the number was for.
The Life You're Designing vs. The Life You're Defaulting Into
Most people never make an active choice about how they live. They optimize, accumulate, and grind — and wake up at 55 wondering whose life they built.
Newsletter
One real idea, every week
Money, life planning, and what the advisory industry doesn't want you to know. Written by Josh — not a marketing team. No spam. No fluff.
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Latest Episode
The Wealth In Yourself Podcast
Conversations about money, life planning, and the things most advisors won't say out loud.
Ready to stop overpaying and start designing your life?
Book a 15-minute intro call. No pitch. No pressure. Just a conversation about what matters to you.
Book Your Intro Call