Flat-Fee Fiduciary Advisory
Your money should buy you time.
Not the other way around.
I'm Josh. I built a flat-fee, fiduciary firm for households between $3M and $30M who want one advisor coordinating tax strategy, investment design, estate planning, and the dozen life decisions that happen in between.
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Why I Built This
I built this so my clients can stop wondering if their advisor is on their side.
I spent a decade inside the industry watching incentive structures that tilted away from the client. Fees that grew when the portfolio grew, regardless of what work was being done. Commissions on products the client didn't need. Coordination that fell through the cracks between advisors, CPAs, and estate attorneys who were never actually talking to each other.
So I built a firm where one advisor coordinates everything for one flat fee. Where your tax strategy, investment plan, estate documents, entity structure, and life vision are all designed by the same person, working in the same direction, paid the same way no matter what your account does next quarter.
I also run a short-term rental business and a motorcycle rental business out near Lake Tahoe. I file the same K-1s you do. I run the same cost-segregation studies. I make the same entity and retirement-plan decisions. The advice I give clients is the advice I take myself — because I'm doing this work alongside you, not analyzing it from outside.
That's Wealth In Yourself. The standard here is FIAT — Fiduciary In All Things.
Five questions every $3M+ household should ask their advisor — including ours. Use them at your next review meeting, with us or with anyone.
Get the 5 questions →The Life Architecture · Virtual Family Office
The planning infrastructure of the ultra-wealthy. Without the eight-figure price tag.
A Virtual Family Office coordinates your tax strategy, investments, estate plan, and business structure into one system — bringing in outside specialists when your situation calls for them. We call the coordinated system The Life Architecture. Typically reserved for $50M+ families. We built it into every client engagement.
Tax Strategy
Proactive tax planning that coordinates with your CPA. Roth conversions, entity optimization, harvesting — quarterly, not at filing time.
Investment Planning
Low-cost, evidence-based portfolios. No proprietary products. No commissions.
Life Planning
We start with what you want your life to look like. The financial structure exists to serve that vision, not the other way around.
Estate & Risk Review
Estate documents that reflect your values. Coverage reviewed so nothing is overlooked.
Business Structure
Entity optimization (S-Corp vs LLC), retirement plan design (Solo 401(k), defined benefit), and cash flow strategy that scales with your business.
One Flat Fee
All of this, coordinated. One transparent monthly fee. No commissions. No add-ons.
Your Team Under One Fee
You don't coordinate the team. We do.
Your fee covers the coordination. You only pay these specialists when their work is actually engaged — no markups, no middlemen, no surprise invoices from people you've never met.
Altruist
Custodian — where your investments are held, safely and independently.
RightCapital
Financial planning software — powers your projections, scenarios, and retirement models.
Encore Estate Plans
Estate planning — wills, trusts, and powers of attorney coordinated with your financial plan.
Equity Trust
Self-directed retirement custody — IRAs, Solo 401(k)s, and HSAs structured to hold alternative assets coordinated with your plan.
Valur
Advanced tax strategies — Charitable Remainder Trusts, OZ funds, and more.
Monarch Money
Cash flow tracking — real-time visibility into your income, spending, and net worth.
Services coordinated through Wealth In Yourself. You pay the partner directly only when their service is actively engaged. No additional advisory fees.
Who We Work With
Built for people who refuse to do things the conventional way.
Business Owners
Uneven income, entity structuring, tax complexity, exit planning. You need an advisor who actually understands what you're building.
Hypothetical composite for illustrative purposes only. Results based on specific client circumstances and are not a guarantee of future results.
Real Estate Investors
1031 exchanges, cost segregation, REPS qualification, passive activity loss rules, depreciation recapture. The kind of tax + entity coordination that pays for itself in Year 1.
Hypothetical composite for illustrative purposes only. Results based on specific client circumstances and are not a guarantee of future results.
FIRE Followers
You didn't grind for years to white-knuckle a 4% rule. Roth ladders, tax-efficient withdrawals, coast strategies, and a plan that lets you actually live.
Hypothetical composite for illustrative purposes only. Results based on specific client circumstances and are not a guarantee of future results.
The 5 questions a $3M+ household should be asking their advisor.
(Free PDF)
Most households at this net worth can't answer these five questions about their current advisor relationship. We can — so can any advisor worth their fee. Use this list before your next review meeting.
Transparent Pricing
A fee that goes down as your wealth goes up.
Our declining flat fee means the wealthier you get, the less you pay as a percentage. Aligned incentives, not extraction.
$0
in commissions. Ever.
100%
fiduciary, always.
1
flat fee. All services included.
Free Resources
Not ready to book a call? Start here.
Free guides built for the people we work with. No fluff. No email spam. Just the questions your advisory team should be answering.
For RE Investors
Tax Strategy Checklist
16 questions about 1031 exchanges, cost segregation, entity structure, and depreciation.
Get the free PDF →
For Business Owners
Wealth Extraction Roadmap
Valuation, QSBS, entity structure, and the full team you need before you exit.
Get the free PDF →
For W-2 Professionals
W-2 Escape Plan
Runway math, health insurance, entity setup, and 13 questions before you make the leap.
Get the free PDF →
Latest Writing
Recent essays and insights.
What Financial Therapy Actually Is
It's not therapy about money. It's not financial advice with feelings. It's the missing piece between the spreadsheet and the life — and most advisors have never heard of it.
Money Is a Tool. Most People Treat It Like a Scoreboard.
The wealthiest people I work with didn't get happier when the number went up. They got happier when they figured out what the number was for.
The Life You're Designing vs. The Life You're Defaulting Into
Most people never make an active choice about how they live. They optimize, accumulate, and grind — and wake up at 55 wondering whose life they built.
Newsletter
One real idea, every week
Money, life planning, and the questions most advisors aren't trained to answer. Written by Josh — not a marketing team. No spam. No fluff.
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Latest Episode
The Wealth In Yourself Podcast
Conversations about money, life planning, and the questions that don't fit in a 30-minute review meeting.
Ready to design the life this money is supposed to fund?
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