Blueprint — Comprehensive Financial Planning
A complete financial plan for the years that matter most.
You have worked hard to build what you have. But the more complex your financial life becomes — equity comp, taxes, real estate, retirement, estate planning — the more it demands a professional to hold it all together. Blueprint is a complete financial planning relationship built around your life, not a product.
Annual Planning Fee
$5,000
Typical Net Worth
$1M - $5M
Commissions Received
$0 - ever
Fee-only. Fiduciary. No minimums. We are legally bound to put your interests first, 100% of the time. We receive zero commissions. We do not sell products. Our only incentive is to give you the best possible advice.
Sound Familiar?
Most of our Blueprint clients come to us with one or more of these. If you recognize yourself, you are in the right place.
My finances feel scattered
I have a 401(k), a brokerage account, some RSUs, and a savings account, but nobody is looking at all of it together. I'm not sure if I'm doing this right.
I'm paying too much in taxes
I make good money but it feels like I'm handing a lot of it over. I don't have a strategy, just an accountant who files my return after the fact.
My company stock is a ticking clock
I have RSUs vesting, options expiring, and a growing concentration in my employer's stock. I know I need a plan but I don't know where to start.
I haven't touched my estate plan
I know I need a trust and updated beneficiaries. I've been putting it off for years because it feels overwhelming and I don't know who to trust.
I'm not sure I'm on track for retirement
I save a lot but I have no idea if it's enough, in the right accounts, or structured the right way. Nobody has ever shown me a real number.
I'm doing everything myself
I read the articles, I listen to the podcasts, I manage my own accounts, but I know I'm probably leaving money on the table and I don't have time to figure out what I'm missing.
One advisor. Your entire financial life.
Blueprint is not a portfolio management service with a financial plan bolted on. It is a comprehensive financial planning relationship that covers your investments, taxes, equity compensation, cash flow, goals, estate, and retirement — as one connected system.
We are legally bound to put your interests first, 100% of the time. We receive zero commissions. We do not sell products. Our only incentive is to give you the best possible advice.
Blueprint includes
Every service is included in your annual fee. Nothing is hidden, nothing is upsold.
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This is your financial roadmap — a comprehensive, written plan customized to your goals, updated as your life changes.
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Every account, property, and asset tracked in one place so you always know exactly where you stand.
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Whether it is retiring early, buying a second home, or funding your children's education — we put a target and a strategy behind each one.
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We identify opportunities to save more and invest more without changing how you live.
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Whether financial independence is five years away or twenty, we show you the target and build the most efficient strategy to reach it.
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We build a coordinated plan for managing, timing, and diversifying your RSUs and equity grants — so you are never caught off guard by a vesting event or a larger-than-expected tax bill.
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We manage your investments on a discretionary basis. You give us the authority to act, and we handle the rest. No need to log in, watch markets, or make trading decisions yourself. Portfolio management fees apply separately.**
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We use evidence-based investment strategies grounded in decades of academic research — not forecasts, not hunches, not last quarter's hot fund.
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When markets shift your portfolio away from its target allocation, we rebalance automatically — keeping your risk exposure aligned with your goals at all times.
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We continuously monitor your portfolio for opportunities to realize losses that offset gains elsewhere — reducing your tax bill without changing your investment strategy.
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Instead of a fund that holds hundreds of stocks, we own the individual securities directly — giving us far more control over when gains and losses are realized and how your portfolio is customized.
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We build a liquidity timeline around your biggest purchases so the money is ready when the moment arrives.
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We coordinate every part of your financial life to legally minimize what you owe across every year, not just this one.
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We design a systematic, tax-aware plan for reducing your concentration in a single stock — selling at the right pace to manage taxes, liquidity, and market exposure simultaneously.
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We review and coordinate your complete estate document set — will, trust, beneficiary designations, and account titling — to make sure your estate plan actually works the way you intend.
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A revocable living trust transfers your assets to your family quickly, privately, and without court involvement. We help establish yours and make sure your assets are properly titled into it.
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We assist with transferring real property titles into your trust so they pass to your heirs outside of probate. One-time filing fees per property apply.***
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A durable power of attorney designates someone you trust to manage your finances if you are ever unable to. Most people delay this until it is too late. We make sure it is in place now.
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We maintain a dedicated tax reserve — a cash buffer sized to your expected liability — so estimated payments and April bills are never an emergency.
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Most advisors manage each account in isolation. We treat your entire account structure as a single tax system — coordinating contributions, withdrawals, and asset placement across all of them.
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Where you hold an investment matters as much as what you hold. We place tax-inefficient assets in tax-advantaged accounts and tax-efficient assets in taxable accounts — systematically improving your after-tax return.
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For high earners who cannot contribute to a Roth IRA directly, we execute the backdoor and mega-backdoor Roth strategies on your behalf — handling every step to avoid IRS complications.
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Capital you will need in the near term is held in lower-volatility positions — so a market downturn never forces you to sell long-term investments at the wrong time.
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We review every benefit your employer offers — 401(k) match, HSA, ESPP, deferred compensation, insurance — and make sure you are using the right combination for your specific situation.
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Through our custodial platform, uninvested cash earns a competitive, 3.45% APY in an FDIC-insured account — not the near-zero rate most custodians pay their clients.*
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A securities-based line of credit lets you access liquidity when you need it without selling investments, triggering capital gains, or taking out a traditional loan.
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Between meetings, we monitor your complete financial picture — tracking progress, flagging changes, and proactively reaching out when something needs your attention.
A note on investment management fees: The annual planning fee covers everything listed above. If you also choose to have us manage your investment portfolio directly, a separate 0.40% asset-based fee applies. Both are disclosed transparently in your advisory agreement before you sign anything.
How we get started
Our onboarding is designed to give us a complete picture of your financial life before we make a single recommendation.
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A no-obligation conversation to understand your situation and goals, and to make sure Blueprint is the right fit for you.
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We collect your account statements, tax returns, equity compensation details, and estate documents. Most clients are surprised by how much clarity this step alone creates.
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This is where everything comes together. Using everything we learned, we build your Personal Financial Blueprint — a comprehensive, written financial plan customized to your goals, your situation, and your priorities. We walk through it with you together, answer every question, and make sure you understand and agree with every recommendation before anything is implemented.
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Once your Blueprint is approved, we get to work. Accounts are opened, investments are made, tax strategies are put in motion, and estate planning is coordinated — all according to the plan you have already reviewed and approved.
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Six month check-ins, proactive outreach when your situation changes, and year-round access to your advisor team.
Here’s what our clients are saying.
Ready to stop wondering if you’re doing this right?
The first step is a complimentary 20-minute introductory call. We will talk through your goals, your current situation, and whether Blueprint is the right fit. No pressure. No commitment. Just an honest conversation.
* The Annual Percentage Yield (“APY”) for the Altruist High-Yield Cash accounts (“Altruist High-Yield Cash”) is variable and may change at any time. The amount of interest you will receive on your deposits will vary based on a number of factors. Accrued interest is paid on the last business day of the month directly into the High-Yield Cash account. View the disclosures to learn more.
** Professional Investment Management is optional and an additional fee of 0.40% for the Blueprint tier.
*** We will assist with the deed transfer for real property, but there are additional one time charges for each property filing.