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INTERNAL DRAFT — not published. Content decisions are resolved; awaiting Josh's final review before this goes live.

Proof, Not a Pitch

The People Behind the Plan

One advisor. One flat fee. One person accountable to you — that part doesn't change. But “I do this alone” was never true, and pretending otherwise doesn't serve you. Here's the actual bench: who I coordinate, what each seat does, and where that bench still has an open chair.

Not a Slogan

Four things happen before you ever meet a specialist.

1

I Brief Them First

Before any specialist hears your name, they hear your situation — in writing, from me. They start already caught up, not cold.

2

I Make the Introduction

You don't cold-call a stranger and re-explain your life from scratch. I connect you directly, with the context already shared.

3

I Sit In

On the conversations that matter, I'm in the room or on the call — not because I don't trust the specialist, but because your plan doesn't get to fragment.

4

I Follow Through

What gets decided gets carried back into your plan. Nothing sits in a silo, waiting for you to notice it got dropped.

The Bench

Five seats. Here's exactly who's in each one — and who isn't, yet.

No twelve-person team. Five categories, named honestly, one at a time.

Estate Planning

ACTIVE

When a client needs a trust drafted, a will updated, or an existing estate plan reviewed, I coordinate with Encore Estate Plans — the estate planning firm I use directly with clients today.

I brief them on your situation before you're introduced, sit in on the review, and make sure the documents that come back actually reflect the plan we built together — not a generic template.

Tax Strategy

VETTED NETWORK

I don't hand every client to the same CPA — I keep a vetted network and match you to the one who actually fits your situation: business-tax specialists for entity owners, exit-planning CPAs for owners heading toward a sale, and Tahoe-local preparers for straightforward state returns.

My job is the strategy that happens between filing seasons: the Roth conversion, the entity election, the multi-year projection. I coordinate that directly with whichever CPA is preparing your return, so the strategy and the filing agree with each other.

Entity Formation

ACTIVE

For LLC formation, registered agent service, and annual state filings, I use Northwest Registered Agent. To be precise about what that is: a filing service, not a law firm.

Anything that requires actual legal judgment — how your entities should be structured, what the operating agreement should say — is planning I do directly with you, coordinated with your attorney.

Exit Planning

NAMED — ONE RELATIONSHIP

When a business-owner client starts thinking seriously about an exit, I bring in Eric Cooper, CEPA — WIY's exit-planning partner and consultant, brought in specifically for that work.

Insurance & Risk

OPEN SEAT

This is the one seat on the bench I haven't filled. I'll review your coverage — life, disability, umbrella, long-term care — and tell you directly where you're over-insured or exposed.

But I don't yet have a named insurance specialist I bring in for placement. I'd rather tell you that plainly than imply a relationship that doesn't exist.

Technology & Custody

The systems the coordination runs on.

Software and custody don't replace judgment — but they're part of how the coordination actually happens: one integrated view instead of six separate logins.

Altruist

Altruist

Custodian

RightCapital

RightCapital

Financial Planning

Encore Estate Plans

Encore Estate Plans

Estate Documents

Valur

Valur

Advanced Tax Strategies

Monarch Money

Monarch Money

Cash Flow Tracking

Equity Trust

Equity Trust

Self-Directed IRA Custodian

How It's Tracked

Today, the coordination lives in a conversation and your case file.

When I brief a specialist or review what comes back, I note it in your file — what was shared, what came back, and when. It isn't a client-facing dashboard today; it's how I make sure nothing about your plan gets lost between conversations.

Honest Framing

What this isn't.

This isn't a family office with a staff under one roof — those exist at $50M+ minimums and $500K+ price tags. It isn't a set of employees, either. Every name above is an independent professional I coordinate with, not someone on my payroll. And there are no referral fees or formal referral arrangements behind any of it — the relationships exist because I trust the work, not because of a financial arrangement between us.

Read the full Virtual Family Office model →

Questions About the Bench

Do you get paid for bringing in these specialists?
No. I don't currently maintain formal referral arrangements with any of the people or firms above, and compensation doesn't flow between us in either direction. These relationships exist because I trust the work — not because of a financial arrangement between us.
Has a handoff like this actually happened, or is this theoretical?
Both, honestly — depending on the seat. Estate planning through Encore is the most established relationship on this bench; clients have had real trust and estate work coordinated through it. The newer seats — exit planning, insurance — haven't had a live client handoff yet. I'd rather tell you which is which than let the page imply more history than exists.
Why don't you just build this in-house?
Because an in-house team at this wealth tier is the wrong tool — you'd be paying for headcount you don't need so I can offer a service I'm not the best person to deliver directly. A CPA who does this daily, an estate attorney who drafts documents for a living — they're better at their specialty than I would be moonlighting in it. My job is coordinating the specialists, staying the single point of contact, and making sure nothing falls through the cracks between them. That's the actual value — not pretending to be a twelve-person firm from a one-person office.
What if my situation needs a specialist who isn't on this bench yet?
I say so. If your situation calls for expertise outside my existing relationships — which happens, especially for the seats marked open above — I tell you directly and help you find the right fit, rather than forcing you into a relationship that isn't actually right for your situation.
Is this a family office?
No, and I want to be precise about that. A traditional family office is a private staff — employees, under one roof — typically reserved for $50M–$100M+ families at $500K+ per year. Every name on this page is an independent professional or firm I coordinate with, not someone on my payroll. The full explanation of the model is on the Virtual Family Office page.

Want to see how this works for your specific situation?

Book a 15-minute intro call. Bring the specialist question you haven't had a good answer to — that's usually the fastest way to see the coordination model in action.

Book Your Intro Call