family office

def. “a total outsourced solution to managing the financial and investment side of an affluent individual or family”

What We Do

We excel at navigating complex financial scenarios.  Explore our six pillars of service below to learn more about our expertise.  To read more on each topic, follow the link.

We start with the basic building blocks of a financial plan: retirement planning, education planning and risk management (insurance). From there, Family Office clients can receive comprehensive reporting detailing our analysis of cash flow, retirement readiness, insurance and estate planning, and net worth.

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Our investment philosophy is to focus on what we can control: diversification and costs. It is based upon time tested academic research, not our own opinion. We know that it is statistically improbable that any single manager will be able to consistently beat the markets. Managers that try to do so buy and sell securities over and over again, generating trading costs and taxable capital gains.

Therefore, our approach is to passively own the markets through mutual funds that own virtually every stock in a particular market. This approach keeps costs down by nearly 2/3rds versus typical actively managed portfolio, while increased diversification reduces the ups and downs of the markets.

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Every new client relationship begins with a review of the tax return. We look for areas where clients can be smarter about how their assets are structured to avoid or defer paying any unnecessary taxes.

Taking advantage of programs that the IRS has available to structure assets to minimize taxation allows the portfolio to keep all of its distributions and continue to grow over time.

A key component of our passive investment portfolios that benefit an investor’s tax liability is low turnover. By keeping turnover low, annual capital gains are minimized, keeping more funds at work, reducing how taxation can whittle away investment returns over time.

Tax Efficient Investing

Business owners have an incredible number of ways to offer retirement benefits to employees and themselves. Taxes come in again, where we analyze the business owner’s situation and construct bespoke plans that maximize retirement deposits and tax savings while providing the right incentives to employees.

We work with business clients on:

401k and ROTH 401ks
SEP and SIMPLE IRAs
Deferred compensations and cash balance plans
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Our principals have a combined 35 years of experience with startups and small businesses. We work with our clients on capital formation, governance, and succession planning.

We have a preferred network of professionals that can help with everything from product development and engineering to marketing and go to market strategies.

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You’ve worked hard for your wealth and you have causes that are important to you. We help our clients understand how to structure their gifts to maximize the benefit for the client and their preferred charity.

We assist clients with the formation and management of charitable funds, the ongoing management of assets in the fund, assisting in making donations from your fund.

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