Transparent Flat-Fee Model
Cash Management
FREEfor first 6 months
Higher yields than most HYSA or MMF
3.6%+ APY on your cash reserves*
Zero expense ratio
Higher after-tax return for virtually risk-free cash investment
T-bills held securely in your name at Charles Schwab (qualified custodian)
Interest income exempt from CA state tax
T-bills are backed by the full faith and credit of the U.S. government
T-bills are considered one of the safest investments available
Highly liquid with one-day settlement
Automated T-Bill laddering for potentially higher average yield.
Tax Management
$6,000 per yearbilled quarterly
Tax-deductible fees for entrepreneurs or rental property owners
Complimentary cash management with 3.6%+ APY on your cash reserves*
Personalized tax saving strategy
Quarterly tax estimates
California and high-tax-bracket expertise
Federal and CA state return prep and filing
One fee includes both spouses for Married Filing Jointly
W2 income (including RSU, ESPP)
Self-employment income
Interest & Dividends
Real Estate (including rental properties)
Brokerage Statements
K1s
All schedules including 1, A, B, D, E
Itemized deductions and tax credits
Schedule C and business deductions (sole proprietor)
Solo 401(k) setup and planning
IRA / Roth planning
IRS representation in case of Audit
LLC creation, EIN, business bank account
Annual business entity compliance
Portfolio Management
$12,000 per yearbilled quarterly
Tax deductible fees for entrepreneurs or rental property owners
Cash management with 3.6%+ APY on your cash reserves*
Personalized, year-round support from a fiduciary
Investments held securely in your name at Charles Schwab (qualified custodian)
Customized portfolio planning and construction with a formal investment policy statement (IPS)
Strategic asset allocation targeted to meet your investment objectives
Regular rebalancing and tax loss harvesting
No limits on the number of accounts or the size of the portfolio
One fee covers an entire household
One fee covers both taxable and retirement accounts
Tax-efficient and low-cost index investing
Custom options overlay strategy to diversify concentrated stock
Targeted tax-loss harvesting strategies using options to further minimize capital gains taxes (subject to suitability)
US Large Cap Managed Options (subject to suitability)
*Yield is an annualized 4-week T-bill rate when held to maturity as of 12/15/2025. The yield shown is subject to market fluctuation. Past performance is not indicative of future returns. Investment results will fluctuate. Actual returns depend on personal and market conditions.
Traditional 1-2% AUM fees are a major drag on your long-term wealth.
A flat fee minimizes conflicts of interest, meaning all of our advice is tailored to you and your life. Our fee does not change based on your AUM.