The full audit
Every account, option grant, policy and forgotten pension on one page, priced honestly. You grant read-only access; we do the archaeology. Most clients see their complete position for the first time in their lives at this meeting.
Our effort — ≈9 hours
Output — the one-page audit
The order of operations
Which dollar goes where, and why, in sequence: emergency floor, matched accounts, tax-sheltered space, taxable machinery, then ambitions. Boring, mechanical, and worth more than any stock pick you will ever hear at a dinner party.
Rewritten — at every equity event
The stress tests
Your plan runs through 2008, 2020, a decade of flat markets, a disability year and one uninsured disaster. We show you the worst charts first. If the plan survives ugly, the pretty version takes care of itself.
Pass condition — plan survives all
The one-page plan
Everything above, compressed to a single page you could explain to your family over dinner. If it doesn't fit on one page, we haven't finished thinking. Signed by both of us; rebuilt every January.
Review — every January
Copies — you, us, your estate file
Plain answers
Asked at every first meeting
Do I have enough to be here?
The office works from $750k of investable assets, or a clear 24-month path to it (founders mid-exit, partners approaching equity). Below that, we will point you somewhere honest rather than upsell you.
Will you take over my accounts?
No. Assets stay at an independent custodian in your name. We hold advisory permissions only — we can trade and report, never withdraw. Firing us costs one signature.
What does the first meeting cost?
Nothing, and you keep the one-page audit either way. About one in three first conversations ends with us saying you don't need us yet — we schedule a check-in two years out instead.