Simple Flat Fee Model
No AUM percentage fees. No hidden fees. No commissions.
We offer three distinct products. You can choose one, two, or all three to maximize potential impact.
Cash Management
Tax-deductible fees for business owners, startups or rental property owners
Higher yields than most HYSA or MMF
3.6%+ APY on your cash reserves*
Zero fund expense ratio
Interest income exempt from CA state and local personal income taxes
T-bills held securely in your account at Charles Schwab (qualified custodian)
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
T-Bill laddering for potentially higher average yield over time
Tax Management
Tax-deductible fees for entrepreneurs or rental property owners
Strategic tax planning with year-round support
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
IRS / CA FTB representation in case of Audit
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
Tax deferral planning
Schedule C and business deductions (sole proprietor)
Solo 401(k) setup and planning
Business entity planning & annual compliance
LLC creation, EIN, business bank account
1099-NEC filing support
Portfolio Management
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 dedicated fiduciary
Investments held securely in your account 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 02/02/2026. 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.