Financial planning, investment management, tax planning, and estate planning under one roof, coordinated by one team. Structured so every decision in one discipline informs the others.
HOW WE WORK
We do four things for our clients. Financial planning, investment management, tax planning, and estate planning. Coordinated under one roof, structured so every decision in one discipline informs the others.
Most firms do one or two of these well and refer the rest. We do all four. The handoffs are where things fall apart, and we have built our practice to eliminate them.
What follows is the work itself. What we do, how we do it, and what it looks like to be a client.
MOST FIRMS VS. UP CAPITAL
| Most firms | Up Capital | |
|---|---|---|
| Disciplines under one roof | One or two | All four |
| The other disciplines | Referred out | Handled in-house |
| How the plan is built | Separate projects | One connected plan |
| Handoffs between advisors | Many | None |
| Who coordinates it | You | One team |
THE WORK, IN THREE STAGES
Most families come to us with the artifacts of decades of decisions. A 401(k) at one place, an IRA at another, an old brokerage account, an estate plan that no longer fits. Each piece may be fine on its own. As a system, it is rarely coordinated, often redundant, and almost always under-optimized.
Most clients are surprised how much simpler their financial life becomes once it is finally organized as one system.
Once your financial life is organized, we build the plan that guides every decision going forward. Not a binder on a shelf, a working model of where your money is, where it needs to be, and what decisions today create the highest probability of getting there. We update it as your life changes. It integrates four disciplines.
We model your full balance sheet, income sources, obligations, and timeline against the life you want to fund, retirement income, education, home purchases, business transitions, legacy. Every dollar has a job, and the plan makes those jobs explicit.
Your portfolio, designed with the plan as the guide, seeking the highest probability of funding your goals across every account, structured for tax efficiency. Actively managed and not constrained by model portfolios, so we can respond to changing conditions.
Roth conversions, charitable timing, asset location, gains harvesting, QCDs, the year-by-year decisions that compound into real money over a retirement. We coordinate with your CPA and project your tax picture across multiple years, not just the current one.
Full estate documents drafted by qualified attorneys, coordinated with your financial plan and updated as your life changes. Wills, trusts, powers of attorney, healthcare directives, and beneficiary review across every account.
Financial life is not static. Markets move, tax laws change, children grow up, parents age, businesses sell, goals evolve. We meet regularly to review the work, update the plan, and stay one step ahead of what is coming, more often than you expected, less often than would feel intrusive.
This is the stage that lasts for the rest of the relationship. The first two stages are foundational. This stage is the work itself.
Typically pre-retirees and retirees with $1M+ in investable assets and the kind of complexity that goes beyond a simple portfolio.
Ready to start?
The first conversation is short, no obligation, and oriented toward fit. If we are the right firm for your situation, we will tell you. If we are not, we will tell you that too.