Private & Boutique Wealth Management
For the moment
everything changes.
We offer fiduciary wealth management to family stewards, founders & business owners, and equity-compensated executives with investible assets greater than $1 million. We coordinate investment management, tax strategy, risk management, and estate planning for the moment everything changes for you.
Who we serve
The exit is on the horizon.
We help founders and business owners prepare for future exits, coordinate your investment management, and strategize your long-term tax plan. Whether it’s a pending LOI, a sale, a recapitalization, or a buyout, we help structure your wealth and taxes to meet your goals.
Case study Section 1202 QSBS at exit Over $12 million in capital gains taxes saved at closing, planned years before the paperwork was signed. Read the case study“I’m planning to sell in the next few years. What can I do now to keep more of what I’ve built?”
Start now, before there is a price. The QSBS exclusion needs a three-to-five-year hold, pre-sale trusts take months to set up, and most strategies switch off once a price is agreed. If a sale is plausible within five years, the planning is on time.
Read the full answer“My business is most of my net worth. When should I start diversifying, and how much is enough?”
Enough that your family’s baseline life (housing, education, retirement) is secure even if the business were worth nothing. Start when that base is not yet secured, not when you doubt the business. You already own the upside; the plan decides who owns the downside.
Read the full answer“The sale closed. How do I make this money last the rest of my life?”
Set your spending rate honestly and let it govern everything else. In the first six months, do less: park the proceeds safely, model the sale-year tax bill so it never feels spendable, and defer every decision that is not forced. Sellers make their worst moves in year one.
Read the full answerEvery quarter, a little more of your future lands on one stock.
We help equity-compensated executives unwind concentrated company stock, coordinate your investment management, and plan the tax consequences of every grant. Whether it’s an RSU vest, an ISO exercise, a 10b5-1 plan, or a secondary sale, we work out what to sell, when, and what it costs in tax before the window opens.
Case study Unwinding a 90 percent RSU concentration A single-stock position on a managed path from roughly 90 percent of the portfolio toward 20, without handing the difference to the IRS. Read the case study“The stock keeps vesting and keeps climbing. How concentrated is too concentrated?”
Lower than the usual 10 to 15 percent rule of thumb, because your salary and unvested grants already ride on the same company. Our test: the position is too large when a 50 percent drop would change your family’s plans. An RSU is taxed at vest, so holding the shares is choosing to buy them, every quarter.
Read the full answer“I want to diversify, but I’m an insider. How do I sell without tripping over trading windows?”
Adopt a Rule 10b5-1 plan in an open window, when you hold no material nonpublic information. It sells on a pre-committed schedule no matter what you learn later. Officers and directors wait 90 to 120 days before the first trade; other employees wait 30. Changing the terms restarts the clock.
Read the full answer“My ISOs are in the money. Should I exercise, and why does everyone warn me about the AMT?”
Exercise when the spread between strike and market value is small, or in annual tranches sized so the AMT stays digestible. The AMT taxes that spread even though no cash arrived, but much of it returns as a credit in later years. Hold two years from grant and one from exercise for capital-gains treatment.
Read the full answerSuddenly, you’re the one who has to know.
We help family stewards take over a financial life you didn’t build, coordinate your investment management, and put a long-term tax and estate plan in writing. Whether it’s an inheritance, the loss of the person who handled it, a trust you now oversee, or a generational handoff, we build the context nobody handed you, in plain language, until the decisions feel like yours.
Case study Taking over the family finances From a financial life she was never asked to manage to one she understands and runs with confidence. Read the case study“It’s suddenly mine to manage. What actually needs to happen in the first year?”
Cash flow first: know which accounts pay the bills for the next six months. Then the administrative floor: death certificates, retitling, life insurance claims. Two deadlines are real: the portability election on an estate tax return, and any qualified disclaimer, generally within nine months. Nearly everything else, including investment changes, can wait.
Read the full answer“How do we turn what we have into income we can count on?”
Build it rather than buy it. Choose a spending rate near 4 percent of the portfolio, tested against bad markets rather than average ones. Hold two to three years of spending in cash and short-term bonds so a downturn never forces a sale, and set a monthly transfer that lands like a paycheck. Withdrawal order does the rest.
Read the full answer“My spouse handled everything. How do I take this over without an expensive mistake?”
Start with an inventory, not a strategy: every account, policy, bill, advisor, and password, with the last two tax returns as the cheat sheet. Then audit beneficiary designations and titling, because those forms override the will, and a stale one is the mistake that costs money. Anyone pushing you to invest before that has told you something.
Read the full answerThe cost of complexity
Your wealth shouldn’t create more of a burden.
As your wealth has grown, so has the work of managing it. Somewhere along the way you became the messenger between your CPA, your attorney, and your advisor. That comes at a price.
Lost time
Every hour spent relaying, reconciling, and re-explaining between professionals is an hour that belonged to your family, your work, or your life.
Feeling stuck
When everything is a priority, nothing moves. The important calls pile up quietly behind the urgent ones, some of them for years.
Expensive mistakes
Professionals working in silos means avoidable taxes, duplicated fees, and opportunities that expired because nobody owned them.
The fix isn’t more advice. It’s coordination.
What we do
You set the direction. We row everything toward it.
Your CPA, your attorney, your banker: one plan, one team holding the full picture, and none of the coordination on your shoulders.
Financial Planning
A living plan for the decisions in front of you: exits, equity, income, education, the freedom to make a change.
Financial Advising
A fee-only, fiduciary advisory firm, with investment management, financial planning, tax strategy, and estate planning under one team.
Investment Management
Evidence-based portfolios built for your goals, not this quarter’s headlines.
Wealth Management
Investment management, tax strategy, and estate planning coordinated under one team, using an evidence-based approach.
Tax Planning & Coordination
In-house tax expertise working with your CPA, so April stops bringing surprises.
Estate & Legacy Planning
Your intentions, documented, coordinated with your attorney, and carried across generations.
Risk Management Planning
The coverage you already hold, read against what your plan actually needs, alongside concentration, liquidity, and titling.
What you can expect from us
How we work
Your plan, designed, built, and protected.
Design
We start by listening: your goals, your family, and what you actually want this wealth to do for your life.
Build
You get one coordinated plan across investments, tax, and estate strategy, grounded in decades of Nobel-recognized research.
Protect
We meet on a rhythm that fits your life, adjust for what’s changed, and make sure nothing falls through the cracks.
Frequently asked questions
The things you’re probably wondering.
How are you paid?
We’re a fee-only Registered Investment Advisor and a fiduciary, paid a percentage of the assets we manage. No commissions, no product sales, no undisclosed revenue. The planning, tax, and estate work is part of the relationship, not an add-on with its own invoice.
Do you have a minimum?
Yes. Given the time-intensive, comprehensive nature of our work, we best serve individuals with at least $1 million in investable assets.
Where does my money actually live?
At independent custodians, Charles Schwab and Fidelity, in accounts that stay in your name. We’re your advisor with limited authority to manage them, and we don’t work for the custodian. You can see everything, always.
I’ve built real wealth. Why choose a small firm over a national one?
Because the structure of a firm decides what you experience as its client. At a national firm the accounts belong to the firm, service is tiered by account size, and the advisor’s pay may include product revenue. Here the people who know your situation are the two founding principals and a team of seven, the number of families we take on each year is deliberately limited, and we are paid by you alone. We wrote the comparison down: what it is like to be the client at a boutique instead of a wirehouse.
How would you describe your investment strategy?
Evidence-based, guided by decades of objective, peer-reviewed financial research and supported by our partnership with Focus Financial. We help you manage what’s actually within your control (cost, diversification, and discipline) rather than react to headlines.
What happens after the first conversation?
We listen first: your goals, your family, what you want the money to do. If we both want to continue, we build one coordinated plan across investments, tax, and estate strategy, then meet on a rhythm that fits your life. And it all begins with a conversation we’d love the opportunity to have.
Do you handle taxes?
We do tax planning and strategy. It lives inside your financial plan year-round, led in-house by credentialed expertise, and we work directly with the CPA who files your returns so the plan and the paperwork never drift apart.
Are you the right fit for us?
We hope so, though we’re not for everyone. If you want a coordinated plan and a partner who takes financial complexity off your plate, we’d like to talk. If you’re looking for ad hoc stock tips, we’re not the right fit.
Meet with us
We’d love to meet with you.
We take on a limited number of new families each year, on purpose. It’s the only way we know to give each one the depth of attention a major financial moment deserves. If yours is approaching, we’d love the opportunity to talk with you.
Schedule a callOr send a note and we’ll come back to you.