Private & Boutique Wealth Management
For the moment
everything changes.
Fiduciary wealth management for households with more than $1 million in investable assets. We coordinate investment management, tax strategy, risk management, and estate planning for the moment everything changes for you.
Who we serve
Suddenly, 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.
How we work with family stewards
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 six months. Then the paperwork: death certificates, retitling, insurance claims. Two deadlines are real, the estate tax portability election and any qualified disclaimer, generally within nine months. Nearly everything else 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. Set a spending rate near 4 percent, tested against bad markets. Hold two to three years of spending in cash and short-term bonds so a downturn never forces a sale, and pay yourself monthly.
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, and advisor, with the last two tax returns as the cheat sheet. Then check beneficiary designations and titling, because those forms override the will and a stale one is the costly mistake.
Read the full answerThe 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.
How we work with founders & business owners
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 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.
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 (housing, education, retirement) is secure even if the business were worth nothing. Start while that base is still unsecured. 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 an honest spending rate and let it govern everything else. For the first six months, do less: park the proceeds, set aside the sale-year tax bill, and defer every decision that is not forced.
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.
How we work with equity-compensated executives
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, 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.
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 whatever you learn later. Officers and directors wait 90 to 120 days before the first trade; other employees wait 30.
Read the full answer“My ISOs are in the money. Should I exercise, and why does everyone warn me about the AMT?”
Exercise while the spread 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.
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, your banker, and everyone else. 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
Your plan, designed, built, and protected.
You set the direction and 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.
Design
We start by listening: your goals, your family, and what you actually want this wealth to do for your life.
- Financial Planning A living plan for the decisions in front of you: exits, equity, income, education, the freedom to make a change.
- Education Planning 529 plans, annual gifting, and the cost of school, sized to what you can give without moving your own retirement date.
- Debt Strategy & Planning Mortgages, lines of credit, and what to pay down first, decided against the rest of the plan rather than on their own.
Build
You get one coordinated plan across investments, tax, and estate strategy, grounded in decades of Nobel-recognized research.
- Investment Management Evidence-based portfolios built for your goals, not this quarter’s headlines.
- Tax Planning & Coordination In-house tax planning, coordinated with the CPA who prepares your return, so April stops bringing surprises.
- Charitable Planning Donor-advised funds, appreciated stock, and qualified charitable distributions, so giving is planned with your taxes rather than after them.
Protect
We meet on a rhythm that fits your life, adjust for what’s changed, and make sure nothing falls through the cracks.
- Risk Management Planning The coverage you already hold, against what your plan actually needs, free of conflict of interest or perverse incentive.
- Wealth Protection & Asset Preservation Titling, coverage, concentration, and liquidity, reviewed against what your plan needs and coordinated with your attorney.
- Estate & Legacy Planning Your intentions, drafted by your attorney, carried into your accounts and across generations by one coordinated team.
Frequently asked questions
The things you’re probably wondering.
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 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 Partners. We help you manage what’s actually within your control (cost, diversification, and discipline) rather than react to headlines.
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 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.