See clearly. Decide well.
You've built something. Tax drag, structural gaps, and four advisors who only see their piece are what quietly erode it over the next ten years. We help owner-operators and the families who own them keep what they earned.
Andrew Escher, CFA · Fiduciary · Austin, TX
A fragmented financial picture costs more than it shows.
Most owner-operators and high-net-worth families work with separate professionals: a CPA, a wealth advisor, an insurance broker. None of them coordinates the others.
A bookkeeper records the past. A CPA files for the past. Neither plans the next 13 months.
- No rolling cash forecast.
- Tax strategy that begins and ends in March.
- Three financial professionals, no coordination between them.
Assets across multiple custodians. No single document that explains the plan.
- An advisor who calls when there's a product to sell.
- Tax planning limited to the current year.
- Insurance and estate documents not reviewed in years.
You don't need another specialist. You need someone who sees the whole picture.
You have a CPA. Probably a wealth advisor. Maybe an attorney and an insurance broker. None of them sees the others' work. None of them is paid to coordinate. The decisions that span specialties — owner comp, Roth conversions, buy-sell funding, RMD planning, estate timing — that's where wealth quietly disappears. We sit in those gaps.
- You'll get the math — every recommendation cites the IRS, Cornell LII, or SSA so you can verify before you act.
- You'll keep more — most engagements surface $5K+ of structural savings in the first 90 minutes.
- You'll have one person who knows your business, your household, your goals, and how they fit together.
- You'll act with confidence — decision-ready synthesis, not 60-page reports nobody reads.
Three steps from first conversation to ongoing cadence.
We review your last 12 months of financials before the call and walk through what we see. You receive the worksheet whether or not we work together.
Business: 13-month forecast, Critical Four dashboard, multi-year tax strategy. Family: tax strategy run, portfolio at Altruist, protection audit through BackNine, written Future Guide.
Business: monthly CFO report call, mid-month tactical call, async support. Family: quarterly review, annual deep-dive, async for life events.
Pick the lane. The pricing is on the page.
No tier framework. No discovery call to find out what it costs. The math is here, the value is anchored, and the risk reversal is real.
V-CFO
Monthly fractional CFO engagement for owner-operators. Forecasting, tax strategy, and operating cadence with a CFA.
Included every month
- 13-month rolling cash forecast and Critical Four dashboard.
- Multi-year tax strategy.
- Written decisions log with supporting math.
- 90-minute CFO report call and 30-minute mid-month tactical call.
- Async support between calls.
Pricing
Monthly retainer scoped to your situation. Most engagements run $3,500–$7,500/mo, depending on revenue, entity complexity, and project scope.
Wealth Management
Coordinated investment, tax, insurance, and estate planning for high-net-worth families.
Included
- Multi-year tax strategy run on a proprietary calculator.
- Diversified portfolio at Altruist with automated rebalancing and tax-loss harvesting.
- Protection audit and placement through BackNine when needed.
- Estate coordination with your attorney.
- Future Guide: a written summary of your plan for your family.
- Quarterly review, annual deep-dive, async support for life events.
Pricing
Standard advisory fee on assets managed at Altruist, disclosed on the first call. Plan-only flat-fee engagements available where AUM doesn't fit.
What goes unaddressed compounds.
- Delayed hires that couldn't be justified without a forecast.
- Pricing decisions postponed for lack of margin clarity.
- Exits at lower multiples than 18 months of clean numbers would support.
- Multi-year tax savings left on the table.
- Portfolios that are concentrated despite appearing diversified.
- Insurance and estate documents that no longer match the situation.
What clients work toward.
- Quarterly decisions backed by a 13-month forecast.
- A multi-year tax structure that takes the surprise out of March.
- An operating cadence that reduces day-to-day owner dependency.
- An exit positioned to land at a higher multiple, when it comes.
- A written plan and a diversified portfolio managed at Altruist.
- Multi-year tax strategy run on a proprietary calculator.
- Right-sized protection placed through BackNine.
- A Future Guide your family can read and understand.
Book a Foundation Review.
A 60-minute working session. We review your last 12 months of financials before the call and walk through what we see. You receive the worksheet whether or not we work together.
Common questions.
What is the Foundation Review?
A 60-minute working session at no cost. We review your last 12 months of financials before the call and walk through cash flow drivers, multi-year tax angles, and recommended next steps. You receive the worksheet whether or not we work together.
How are you compensated?
Standard advisory fee on assets managed at Altruist. If the protection audit identifies a need and you fill it through BackNine, we earn a producer commission, disclosed in writing before any policy is bound.
What does V-CFO cost?
Monthly retainer scoped during the Foundation Review. Most engagements run $3,500–$7,500/mo, depending on revenue, entity complexity, and project scope. Every engagement carries a 90-day money-back guarantee.
Do I have to move my assets to start?
No assets are moved until you have seen and signed the plan. Account opening at Altruist takes about ten minutes; transfers from your prior custodian are scheduled at your direction.
I already have a CPA. Why a fractional CFO?
A CPA files. A CFO plans. The two roles are complementary. Most clients keep their CPA and add a fractional CFO for forecasting, multi-year tax strategy, and operating cadence.
What credentials matter?
CFA Charterholder for investment analysis and portfolio management. Operator experience across multiple industries for the practical decisions.
Prefer email?
A short note will reach Andrew. Reply within one business day.
Thanks — we'll be in touch.
We've got your note and will reply within one business day. If you'd rather not wait, the calendar's open below.
Book the Foundation Review →
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The Knowledge Garden — 65 connected ideas, every one with an action.
For people who want the principles before the conversation. Synthesized from the books and operators that shaped how we work.
Explore the Knowledge Garden →Open the workbook + calculators
Source-cited tax + retirement calculators (Roth Conversion Ladder, IRMAA Cliff, RMD, S-Corp, Augusta, QBI) plus a CFA-grade planning workbook. Free.
Questions? Email andrew@gooddeals.work