Home The Desks
One office, four desks, one flat fee.
Every client sits at all four desks. There is no menu of add-ons, no premium tier, and nothing sold across the table — the fee below is the entire business model.
The Planning desk
The map everything else follows. Cash flow, compensation and equity events, insurance gaps, the order of operations for every dollar. Rebuilt every January; stress-tested against 2008-grade years, not brochure years. You leave with a one-page plan you can actually explain to your family.
Deliverable — the one-page plan
First artifact — the full audit
The Investments desk
Evidence over forecasts. Globally diversified, low-cost, rebalanced by rule every quarter whether it feels comfortable or not. We have issued zero market predictions since 2011 and intend to keep the streak. The strategy fits on a page; the discipline is the product.
Rebalancing — quarterly, by rule
Forecasts — 0 since 2011
The Tax & Structure desk
The unglamorous return stream. Asset location, loss harvesting, gain timing, entity design, charitable machinery. Documented every February with a one-line verdict: what this desk earned you against what the office charged you. Most years it wins.
Office fee — 0.60%
Verdict letter — every February
The Legacy desk
Wills that work, trusts that behave, and children who are ready — we host the family meeting nobody wants to schedule. Estate documents reviewed on a three-year clock, and the next generation gets a seat at this table years before they need it.
Family meetings — hosted here
Next-gen onboarding — from age 16
The fee · in writing, before we start
What it costs. All of it.
| Assets under advice | Annual fee | What that includes |
|---|---|---|
| First $2m | 0.60% | All four desks, all meetings, family included |
| $2m – $10m | 0.45% | Everything above, tiered automatically |
| Above $10m | 0.30% | Everything above, plus family-office services |
| Commissions, kickbacks, product fees | $0 | Not now, not ever — it is in the contract |
The fee is debited quarterly, shown in dollars (not just percentages) on every statement, and re-quoted in writing whenever your tier changes.