Planning built around
the complexity of your life

The most expensive financial mistakes happen before a transaction closes, not after. We engage with founders 12-24 months ahead of an exit to confirm QSBS eligibility, model tax scenarios across deal structures, evaluate charitable strategies, and ensure the equity that took years to build transfers efficiently. By the time a term sheet arrives, the planning is already done.

• QSBS / Section 1202 qualification review
• Exit scenario tax modeling
• Charitable remainder trust (CRT) evaluation
• Exchange fund eligibility analysis
• Post-liquidity investment strategy

A large position in a single stock is both your greatest asset and your greatest risk. We build structured plans to reduce concentration over time - using 10b5-1 trading plans, exchange funds, collars, and systematic diversification - without triggering unnecessary tax events. Every strategy is modeled against your specific basis, bracket, and timeline.

• 10b5-1 plan design and implementation
• Exchange fund contribution analysis
• Protective puts and collar structures
• Variable prepaid forward contracts
• Systematic tax-aware diversification

Investment management and tax planning are the same discipline. We do not outsource tax thinking to your accountant and hope the two plans align. We model tax impact across every investment decision - asset location, harvesting, Roth conversions, charitable giving, and income timing - and coordinate with your CPA on execution. The result is a lower lifetime tax burden, not just a lower April bill.

• Multi-year tax projection and bracket management
• Tax-loss and tax-gain harvesting
• Roth conversion strategy
• Asset location optimization
• Charitable giving integration (DAFs, CRTs, QCDs)

Physicians, business owners, and executives face above-average liability exposure. We build layered protection strategies - starting with insurance and entity structure, extending to retirement plan funding (which receives creditor protection in most states) and titling strategies. Asset protection planning is most effective before a claim arises, which means it belongs in every initial engagement.

• Malpractice and umbrella insurance review
• Entity structure and liability separation
• Retirement account creditor protection
• Domestic asset protection trust evaluation
• Asset titling and homestead exemption review

Practice owners and business founders often make exit decisions without understanding what their business is actually worth - or what a buyer will pay vs. what the IRS will agree to. We provide M&A-grade valuation analysis and work alongside transaction counsel to model after-tax proceeds under multiple deal structures. For physicians considering PE rollups, we model the equity rollover and earnout components before any LOI is signed.

• Practice and business valuation analysis
• Asset vs. stock sale tax modeling
• PE rollup equity and earnout structuring
• Net proceeds modeling under multiple scenarios
• Post-sale wealth integration planning