For high-net-worth individuals
Tax & Financial Planning for High-Net-Worth Individuals
Once your balance sheet spans equity compensation, partnership interests, real estate, and entities you own, tax stops being a return and becomes a coordination problem. Most people at this level have a CPA, a financial advisor, and an estate attorney who never talk to each other. We sit in the middle and run the whole picture.
Your partner replies within one business day · year-round access · fee-only, no kickbacks
Sound familiar?
Where your current setup is falling short.
- ISOs sitting unexercised because nobody's modeled AMT across multiple years — and RSU default withholding leaves you under-withheld every vest
- K-1s from partnerships and S-corps arrive late with no basis tracking, so you extend, guess at estimates, and pay penalties
- Homes or income in multiple states, but nobody has analyzed your residency position or which state gets to tax what
- Your CPA, financial advisor, and estate attorney each see a slice — entity planning and personal planning happen in separate silos
- Real estate holdings depreciating on default schedules with no cost-segregation analysis and losses trapped as passive
- Quarterly estimates are back-of-envelope — no safe harbor targeting, so every April is a surprise
What we'd do for you
The plan, tailored to your situation.
Multi-year equity compensation modeling
ISO exercise schedules modeled against AMT across 3–5 years, NSO and RSU timing, ESPP basis adjustments, sale sequencing. Decisions made on numbers, not vest-date defaults.
K-1 coordination across every entity
Basis tracking per partnership and S-corp, phantom income management, multi-state non-resident returns, and residency analysis where you live or earn in more than one state.
Entity and personal planning run as one engagement
Your entities' elections, owner comp, and distributions planned against your personal return — including QSBS qualification review where you hold closely-held C-corp stock.
Retirement plan design that fits your income
Solo 401(k), cash balance, and defined benefit combinations sized to your facts, with contribution limits that adjust annually. Backdoor and mega backdoor Roth where they apply.
Real estate strategies coordinated, not siloed
Cost segregation sized at purchase, 1031 exchange timing, REPS qualification analysis, and passive activity loss planning when REPS isn't available.
Charitable and estate strategy with the tax work
Donor-advised fund bunching, appreciated stock gifts instead of cash, and gift/estate coordination backed by our in-house valuation practice. Quarterly estimates managed to safe harbor all year.
Ready to see what this looks like for your business?
Tell us about your specific situation and we'll scope a plan tailored to your needs — fixed monthly fee, no per-question billing, one business day response.
What a typical engagement covers
- Personal tax with multi-state filings, residency positions, and K-1 coordination
- Business tax for any S-corp, partnership, or family LLC you own
- Multi-year ISO/NSO/RSU/ESPP exercise and sale modeling
- Quarterly estimated tax management with safe harbor targeting
- Retirement plan design and administration coordination
- Annual planning meetings covering charitable, estate/gift, and real estate strategy
Every engagement is scoped to your business. Single service or full stack — we'll recommend the right level of support and quote a fixed monthly fee within 48 hours of an intro call.
See the full service catalog: Services overview · The full financial stack
Resources and tools for high-net-worth individuals
Guides
Tax
K-1 Income: What It Is and How to File It
Tax
AMT, ISOs, NSOs, and RSUs: A Survival Guide
Tax
ISO Exercise Multi-Year Strategy: AMT-Optimized Planning
Tax
Defined Benefit & Cash Balance Plans for High-Income Solo Owners
Tax
Backdoor Roth IRA and Mega Backdoor Roth Explained
Business Valuation
Estate and Gift Tax Valuation Discounts
Tax
Quarterly Estimated Tax for Self-Employed and Business Owners
What you can count on
Three commitments, written down.
CPA-signed accuracy guarantee
If a Rubric-signed return triggers a math-error notice, we fix it and pay the penalty. CPA review on every filing.
One-business-day response
Your partner replies within one business day — and there's no per-question fee. Year-round access, not just tax season.
Fee-only, no kickbacks
We don't sell insurance, annuities, or investment products. Our only revenue is your monthly fee. No conflicts.
Tell us about your business.
We'll propose a plan tailored to your situation — fixed monthly fee, scoped to your needs, no surprise add-ons.