Nine services. One fee. Zero silos.

Not every client needs every service every year. Some clients use all of them — typically business owners with complex estate and tax situations. Others use fewer — FIRE-track clients may focus heavily on tax-efficient withdrawal planning and investment strategy. Your flat fee covers the full scope regardless; we use what you need, when you need it, and don’t charge extra when your needs grow.

Your CPA looks backward. They file what already happened. We look forward. We model scenarios, project tax liability across multiple years, and coordinate with your CPA so nothing falls through the cracks. Most CPAs are great at compliance. We handle strategy.

Yes. We build and manage your portfolio across all accounts. Low-cost, evidence-based funds. No proprietary products, no commissions, no conflicts. You always know exactly what you own and why. We custody with Altruist, a modern advisor-first custodian built for independent fiduciaries. No sales quotas, no proprietary products, no incentive to churn your portfolio. You get institutional-grade execution with the modern client experience you'd expect.

We don't sell insurance. Within our Virtual Family Office model, we coordinate with independent insurance professionals to analyze coverage gaps and help you evaluate options. You pay them directly if you need coverage. We receive no commissions, ever.

Your fee isn't tied to your portfolio's day-to-day performance. We set a flat annual fee based on your total net worth (excluding your primary residence) when we begin working together, and we reassess that fee on your anniversary date each year. This means you know exactly what you're paying — no percentage of assets, no commissions, no hidden fees.

Absolutely. We'll review what you have, identify gaps, and either improve it or start fresh. A lot of clients come to us with plans that looked good on paper but weren't actually built around their life.

During onboarding, we meet frequently — 13 meetings across four phases to build your plan with real depth. After that, we meet quarterly at minimum and anytime you need us in between. We don't schedule meetings to justify our fee. We meet when there's something worth discussing.

Start where it hurts most. Some clients come in for tax strategy and realize their estate plan is outdated. Others want an insurance audit and discover their entity structure is costing them six figures. Your flat fee covers everything — we use what you need, when you need it.