Tax is your largest expense.

For most high earners, income tax, capital gains, and estate taxes consume more lifetime wealth than any other category — more than housing, healthcare, or education combined.

• 37% Top federal income tax rate
  Plus state, local, and Medicare surtax — often pushing total marginal rates past 50%.
• 23.8% Long-term capital gains + NIITBefore state taxes. For California or New York residents, the effective rate can exceed 37%.
• 40% Federal estate tax rateOn estates above the exemption threshold — and the exemption is scheduled to drop in 2026.

Does this sound like you?

Five disciplines. One integrated strategy.

We coordinate the areas that matter most to high-income, high-complexity clients — from institutional investment access to multigenerational legacy planning.

1. Investment Management
   Tax-aware portfolio construction, long/short direct indexing, private alternatives, and customized derivative strategies — all designed around after-tax outcomes.
2. Concentrated Stock & Pre-Liquidity
   ISO, NQSO, RSU, and ESPP planning. Exchange funds and structured solutions to diversify low-basis positions ahead of M&A, IPO, or tender events.
3. Estate & Trust Planning
   GRATs, SLATs, IDGTs, dynasty trusts, and charitable structures to preserve and transfer wealth across generations with minimal estate tax exposure.
4. Business Planning
   QSBS planning, business succession, defined benefit and cash balance plans, and buy-sell agreements for founders and business owners.
5. Philanthropy & Impact
   Donor-advised funds, charitable remainder trusts, and private foundations — giving structures that align with your tax and estate plan.

Built for complexity. 

A boutique approach built for the complexity of high-income, high-stakes financial lives.

1. Hybrid RIA
   Fiduciary advice paired with institutional-grade access to strategies. 
2. Advanced strategies
   Approaches used by family guided offices — not just traditional 60/40 portfolios.
3. Built for complexity
   High-income earners, business owners, multi-entity structures — we thrive there.
4. Your choice of engagement
   Discretionary (we manage) or non-discretionary (we advise) — whatever suits you.
5. No all-or-nothing requirement
   No need to move your entire portfolio. We're happy to advise on a portion or work alongside your existing setup.
6. Serving clients nationwide
   Most meetings via Zoom. Offices in Jersey City, NJ and Mountain View, CA.

Diversification and asset allocation do not assure profit or protect against loss in declining markets.

LPL Financial and LPL representatives do not provide tax or legal advice.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.