Wealth Management
Your portfolio and your tax return, managed by the same people.
Most households have an advisor for investments and a separate preparer for taxes, and no one holding both. ACap manages the portfolio and prepares the return under one roof, so every investment decision is made with the tax consequence already known.
Plan delivery
4–6 weeks
Custodian
Charles Schwab
Prepared by
Certified Financial Planner
Is this right for you?
Four signs your investments and your taxes aren’t talking.
Most of our wealth management relationships start with the same discovery: nothing is wrong, exactly, but nobody is looking at the whole picture. These are the signals we hear most often.
Scope of engagement
Four pillars, fully integrated.
Financial Planning
& Goal-Setting
Pillar 01
A written plan built from your actual documents, not a questionnaire. Prepared by a Certified Financial Planner and refreshed as your circumstances change.
- Retirement cash-flow analysis
- Scenario modelling
- Cash-flow analysis
- Debt reduction strategy
- College education planning
- Real estate analysis
Investment Advisory &
Portfolio Construction
Pillar 02
Discretionary management with the tax consequence priced into every decision — allocation, location, and timing considered together
- Discretionary portfolio management
- Asset allocation
- Asset location across account types
- Concentration management
- Rebalancing discipline
- Quarterly performance reporting
Retirement Planning &
Income Strategy
Pillar 03
The decisions that determine how much of your retirement savings you actually keep: which account funds which year, and at what tax cost
- Withdrawal sequencing
- Roth conversion analysis
- Social Security timing
- Required minimum distributions
- Multi-year tax projections
- Income-bracket management
Estate & Risk
Coordination
Pillar 04
We don’t draft documents — we make sure they work. Estate review, beneficiary alignment, and referrals to prescreened attorneys for the drafting itself.
- Estate document review
- Beneficiary alignment
- Titling audit
- Referral to prescreened attorneys
- Insurance policy review
- Annual gifting coordination
A comprehensive financial plan takes approximately four to six weeks from engagement to presentation and is prepared and presented by a Certified Financial Planner. It is built from what you actually have, not from what you estimate.
What the plan covers
- Detailed retirement cash-flow analysis with scenarios
- Risk management
- Taxes
- Investments
- Estate planning
- College education planning
- Real estate analysis
- Cash-flow analysis
- Debt reduction and management
What we review to build it
- Tax returns
- Retirement account statements (401(k), IRAs)
- Bank and credit card statements
- Paystubs
- Loan and mortgage statements
- Insurance policies (home, auto, life, disability, umbrella)
- Trust and estate documents
The sequence is fixed and published. You know what happens next at every stage, and what it costs before you commit.
Step 01
Introduction.
- Free initial consultation
- Goals and situation discussed
- Scope outlined
- Mutual fit assessed
- No obligation to proceed
Step 02
Document aggregation.
- Engagement package signed
- Flat fee collected
- Document checklist issued
- Statements and returns gathered
- Secure upload via ShareFile
Step 03
Account creation.
- Onboarding call
- Accounts opened at Charles Schwab
- Existing accounts transferred
- Portal access issued
- Beneficiaries recorded
Step 04
Preparation.
- Documents reviewed in full
- Plan drafted by a CFP®
- Tax position analysed
- Transfers confirmed
- Draft reviewed internally
Step 05
Presentation & implementation.
- Plan reviewed with you in depth
- Questions answered before signing off
- Portfolio implemented
- Quarterly reporting begins
- Regular advisor meetings scheduled
Engagement & fees
One relationship. One annual minimum.
ACap serves clients through ongoing advisory relationships rather than one-time transactions. Your engagement begins with a single $10,000 annual client relationship minimum, met through wealth management, business tax and accounting, family office, or any combination of the three.
Wealth management is the one service with a published fee schedule.
We are compensated by our clients, only. No commissions, no product sales, no hidden fees, and no incentives that influence our recommendations.
Tax preparation, bookkeeping, and entity work are handled by the same team — see Tax Strategy & CPA. Households with multiple entities and trusts may be better served by Family Office.
Assets under management
Annual fee.
Up to $2,500,000
1.00%
$2,500,001 to $5,000,000
0.75%
Over $5,000,000
0.50%
Your investments and your taxes are one decision.
A 30-minute call to review what you hold now, where the tax leakage is, and whether an integrated model would change the outcome.
