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CFA Charterholder · Independent IAR · Austin, TX

Coordinate, before something forces you to.

A CPA, an advisor, an estate attorney, an insurance broker — none of them sees the others' work. The gaps compound: tax inefficiencies, unfunded trusts, stale beneficiaries, lapsing coverage. We integrate the four into one plan, so the gaps close before they become events.

Where most wealth plans break down.

You coordinate your own advisors.

Capital gains events, 1031 exchanges, estate updates. The work of connecting separate professionals defaults to you.

Tax planning ends at the current year.

Roth conversion windows, asset-location optimization, charitable structures, and entity-level moves rarely get run as a multi-year plan.

No single document explains the plan.

Assets across multiple custodians. Insurance from years ago. Nothing your family can sit with and understand.

Book a Foundation Review →

The Foundation Review.

A 60-minute working session, no cost. We review your last 12 months of financials beforehand and walk through tax angles, portfolio positioning, the protection audit, and a 30-day plan. You receive the worksheet whether or not we work together.

Book a Foundation Review →

An integrated alternative.

1

CFA-led and registered fiduciary

Investment analysis at the highest professional bar, legally obligated to act in your interest.

2

Operator background

Financial leadership across dozens of companies and many industries.

3

Modern stack

Investments at Altruist with automated rebalancing and tax-loss harvesting. Protection through BackNine. Tax strategy on a proprietary methodology.

4

Future Guide

A written summary of your plan, updated annually, that your family can read and understand.

Straight answers

Investments, tax strategy, insurance, and estate are managed by one CFA-led practice, not three separate firms. Coordination is built into the engagement.
Two questions: do you have a written Investment Policy Statement, and does your family have one document that explains the whole plan? If both yes, you probably don't need us. If either is a maybe, the Foundation Review is worth 60 minutes — and you keep the worksheet either way.
Standard advisory fee on assets we manage at Altruist. If the protection audit identifies an insurance gap and you choose to fill it through BackNine, we earn a producer commission — written down before you bind anything. That's it. Not fee-only; we made the call to handle protection in-house so you don't end up with three more relationships to manage.
No. The Foundation Review is free. The intake is free. We don't move a single dollar until you've seen and signed the plan. When you decide to move forward, account opening at Altruist takes about 10 minutes; ACATS transfers from your prior custodian run on a schedule you control.
For ongoing AUM management, we work with clients with $500K+ in investable assets. Plan-only flat-fee engagements are available where AUM doesn't fit. The Foundation Review itself is open to anyone who wants a coordinated look at their financial picture.

Book a Foundation Review.

A 60-minute working session, no cost. No assets are moved until you have seen and signed the plan.

Book Foundation Review →