You set the goals.
We build the plan.
Wealth planning is a core service we deliver, not a referral we make. At the center is a financial plan we build and maintain ourselves: your goals — retirement on your terms, the sale or purchase of a business, gifting and multi-generational trusts, the estate and the legacy your family name carries — modeled against everything you own and owe, stress-tested across a range of scenarios, and kept current as life changes. The largest decisions cluster in a handful of disciplines:
A plan is a document. Planning is a habit.
A working model of everything you are trying to do — retirement on your terms, an estate that transfers the way you intend, education funded for children and grandchildren, a business exit prepared well before the sale — measured against your actual balance sheet and cash flows. All Source builds and maintains the plan itself — the foundation the portfolio and every recommendation stand on.
The plan is built in-house, by the same team that manages your portfolio — not referred out, and not produced once at onboarding and shelved. It is reviewed with you at regular progress meetings, updated when markets move and when your life changes, and rerun before any major decision — a home, a gift, a sale — so you see the consequences before you commit.
Other professionals strengthen the inputs: your CPA knows the tax picture, your estate attorney knows the documents, and our virtual family office keeps both working from the same numbers. But the plan itself — the goals, the cash flows, the projections, the scenarios behind every recommendation — is ours to build and ours to answer for. One team stays accountable for whether you are on track. How the plan moves through our process →
Modeled with established techniques.
The plan is built and maintained in institutional-grade planning software — the same class of tools used across the wealth management industry — and reviewed with you, on screen, at regular progress meetings.
Scenario analysis across thousands of paths
Your plan is simulated across thousands of market sequences — strong runs, flat decades, sharp drawdowns, early-retirement bear markets — so the question is not whether one projection is right, but whether the plan holds across the full range of outcomes.
What-ifs, answered in the meeting
Sell the business in 2028 instead of 2026? Step back at sixty instead of sixty-five? Gift now or through the estate? Buy the next company, the plane, the compound? We model the decision live, next to the base plan, so you see what it does to everything else before you commit.
The whole balance sheet, not just the portfolio
Outside accounts can be linked, and entities, real estate, and private holdings are carried in the model — so the plan reflects what you actually own, not just what we manage.
Maintained, not shelved
The plan is refreshed as markets move and life changes — a sale closes, a grandchild arrives, tax law shifts — and the updated picture is walked through at regular progress meetings. The plan you saw last year is never the plan you are living on.
Planning projections are hypothetical illustrations based on stated assumptions; they are not predictions or guarantees of future results.
The biggest planning wins happen before the event, not after.
Most planning value is created in a handful of windows — and nearly all of them close at the event. These are the moments to call us early:
Before a business sale or purchase
Entity structure, QSBS qualification, gifting before the valuation steps up, and the after-tax number you actually keep — most of it is decided before the letter of intent.
Before year-end and law changes
Gain and loss pacing, gifting against exemption limits, Roth conversion windows, and charitable timing — deadlines the calendar sets, not us.
Before wealth changes hands
Trust funding, titling and beneficiaries aligned, the next generation prepared — transfers designed years ahead can cost far less than transfers improvised at death.
At a liquidity event
An inheritance, a vesting cliff, a distribution: where it sits, what it displaces, and what it makes possible — decided inside the plan, not ad hoc.
When the family changes
Marriage, divorce, a birth, a death — the plan is re-run, documents are re-read, and every account is re-checked against the new picture.
When you move
State tax residency, trust situs, and estate exposure all shift with an address — planned moves are worth real money; unplanned ones cost it.
Planning outcomes depend on individual circumstances and current law; strategies are implemented with your own attorney and CPA, and results are not guaranteed.
Retirement & financial independence
Rarely whether you can stop working — more often when work becomes optional, what the family can responsibly spend, and which accounts each dollar should come from. The plan models spending, income sources, and withdrawal sequencing across a range of market scenarios, so those answers are measured rather than assumed.
This discipline carries the decisions behind that answer: the date you step back — or step into the next venture — the lifestyle the balance sheet supports without eroding principal, and the order accounts are drawn in. Taxable, tax-deferred, and Roth dollars are sequenced deliberately, including Roth conversion windows in lower-income years, and portfolio distributions are coordinated with deferred compensation, business proceeds, and pension or Social Security elections — so income arrives planned, not improvised.
Retirement pacing also moves every other number on this page — what you can gift during life, how charitable giving is timed, when a business exit makes sense. The plan holds them in one picture, stress-tested together, and the picture is reviewed with you at regular progress meetings as markets and your life change.
Tax-aware investing
The practice of building and managing a portfolio with after-tax outcomes in mind, not just pre-tax returns. It uses tools such as asset location, tax-managed accounts, loss harvesting, and tax-advantaged structures designed to help keep more of what a portfolio earns. All Source builds tax-awareness into portfolio construction and coordinates it with your CPA.
At higher levels of wealth, taxes are often the largest single drag on long-term results. Two portfolios with the same gross return can deliver very different outcomes once federal and state income tax, capital-gains tax, and the net investment income tax are accounted for. In our view, the most common and most avoidable mistake is treating tax as a year-end exercise: a scramble in December, disconnected from how the portfolio was built. Tax-awareness belongs in the portfolio’s design from the start.
Asset location places tax-inefficient holdings in tax-advantaged accounts and keeps tax-efficient holdings in taxable accounts. Tax-managed separately managed accounts hold securities directly, so gains and losses can be managed at the individual-lot level. Tax-loss harvesting is applied as a disciplined, year-round process within the wash-sale rules. Gain deferral avoids unnecessary turnover so unrealized gains keep compounding. Around concentrated positions and liquidity events, more specialized structures apply: exchange funds, Qualified Opportunity Zone investments, and qualified small business stock (QSBS) planning where requirements are met, among other structures — alongside tax-managed long/short extensions that keep harvesting losses even in rising markets, Roth conversion sequencing timed to your bracket path, and options overlays that raise income around a position while it is being reduced. A few of the tools, not the list.
Tax-aware investing comes down to one number: what you keep. Location, harvesting, pacing, and structure each move that number — and the effects compound over decades. We run them as one discipline, executed alongside your CPA rather than around them.
Estate & wealth transfer
The work of moving wealth to the next generation, and to the causes you care about, with intention and tax efficiency. It combines trusts, gifting, and beneficiary structures with a clear view of your goals. All Source coordinates this work alongside your estate attorney so your investment plan and estate plan move together.
Two forces make this urgent at higher levels of wealth. The first is tax: federal estate and gift rules can claim a meaningful share of an unplanned estate, and several of the strategies that address that exposure must be in place years before they are needed. The second is family: wealth that arrives without structure or context can divide heirs rather than provide for them. The families who transfer wealth most successfully treat the plan as a living document, not a one-time event.
Wills and beneficiary designations form the foundation. Trusts are the central structuring tool: a revocable living trust can keep an estate private and out of probate, while irrevocable trusts — including grantor trusts, spousal lifetime access trusts, and dynasty trusts — can remove appreciating assets from a taxable estate and protect them for heirs. Lifetime gifting uses the annual exclusion and the lifetime exemption to move assets, and future appreciation, out of the estate. For families holding a business or a concentrated position, specialized structures such as GRATs or family limited partnerships can transfer value at a reduced transfer-tax cost.
The legal documents are your attorney’s work; making sure the portfolio reflects them is ours. Asset location and account titling determine which assets land in which trusts; liquidity matters so that taxes and bequests can be met without a forced sale; and assets intended to compound for grandchildren can be invested with a different risk and liquidity profile than assets a family expects to spend in retirement.
Charitable & philanthropic giving
The work of giving to the causes you care about in a way that is both effective and tax-efficient. It ranges from straightforward gifts of appreciated stock to donor-advised funds and charitable trusts. All Source integrates your giving into your overall wealth plan and coordinates the structures with your tax and legal advisors.
For many families, giving is among the most meaningful expressions of their wealth — and, in our experience, among the most under-planned. The instinct is generous; the execution is often a year-end check written from a checking account. That works, but it frequently leaves both impact and tax efficiency on the table. How you give can matter as much as how much.
Gifts of appreciated securities are often the most efficient starting point: donating long-term appreciated stock directly can avoid the capital-gains tax a sale would trigger while supporting a deduction at fair market value where applicable. Donor-advised funds let a donor contribute assets, take the available deduction in the contribution year, and recommend grants over time — useful for “bunching” several years of giving into a single high-income year. Charitable trusts address larger goals: a charitable remainder trust pays income to the donor for a period with the remainder passing to charity; a charitable lead trust does the reverse. Private foundations offer the most control for philanthropy at scale, at the cost of greater administration.
The assets a family gives come out of the portfolio, so identifying the most appreciated, lowest-basis lots to donate is itself a portfolio decision — one that dovetails with tax-loss harvesting and concentrated-position planning elsewhere in the plan. Your CPA confirms the tax treatment and your attorney drafts any trust; our role is to make sure the giving plan, the tax plan, and the portfolio reinforce one another.
Business exit & succession
Preparing an owner, and the business, for the day ownership changes hands — through a sale, a transfer to family, or a transition to management. The most valuable planning happens years before the event. All Source coordinates the personal-wealth side of an exit alongside your CPA, attorney, and deal team.
The decisions which most affect the outcome are made before a deal is on the table, not after. By the time a letter of intent arrives, the structure of the entity, the ownership records, and the tax posture are largely fixed. The federal QSBS exclusion depends on holding-period requirements that can only be met with time; certain trust and gifting structures must be funded well before a sale to achieve their intended effect. Owners who begin planning while the business is still growing typically keep more options open — and often a larger share of the proceeds — than those who wait for a buyer to set the timetable.
Succession structure comes first: sale to a third party, transfer to family, or transition to management, with a buy-sell agreement governing a partner’s exit, death, or disability. Pre-transaction tax planning, coordinated with the owner’s CPA and tax counsel, addresses entity structure and may use QSBS or Qualified Opportunity Zone strategies where applicable. Liquidity and contingency planning builds diversified personal wealth outside the business so the owner is never a forced seller. And the proceeds plan turns a one-time event into a durable plan.
The transaction is your attorney’s, CPA’s, and banker’s work; what the proceeds become for your family is ours. Before a sale, the personal portfolio is what diversifies an owner away from total dependence on the business. After a sale, the proceeds become a new portfolio — and our endowment-style approach is built for exactly this kind of permanent, suddenly-liquid pool of capital. Active business owners →
Concentrated stock & equity compensation
A concentrated stock position — often from employer equity, restricted stock units (RSUs), options, or a founding stake — means a large share of your wealth depends on one company. Diversifying it is complicated by taxes, vesting schedules, and insider-trading rules. All Source builds a deliberate, tax-aware plan to reduce that concentration over time, using tools such as 10b5-1 plans and exchange funds.
The reason so many people stay over-concentrated is not conviction but friction. Selling triggers taxes, often at the highest marginal rates. Blackout periods and insider-trading rules limit when an executive can act. RSUs vest on the company’s schedule, not the holder’s. The path to diversification is genuinely complicated, so it gets deferred — which leaves the concentration risk fully in place precisely while the position grows.
A 10b5-1 trading plan is a pre-arranged, written schedule for selling company stock that, when established properly, can permit sales during blackout periods. Exchange funds allow an investor to contribute a low-basis position into a diversified pool without an immediate taxable sale, subject to holding-period requirements and limited to qualified investors. Charitable gifting of appreciated shares can reduce the position while supporting a cause. Staged, tax-aware sales spread realization across tax years, and coordinated timing of vesting, option exercises, and deferred compensation keeps the plan aligned with how shares actually become available.
Diversification is not the end of the plan; it is the handoff to one. Every share that comes out of the concentrated position is capital that needs a destination — a diversified allocation across public markets and, for qualified investors, alternatives. The concentrated-position plan and the portfolio plan are the same plan, viewed at two stages. Corporate executives →
Put every planning decision in one picture.
The simplest way to start is a confidential second-opinion review of your current portfolio and plan.
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