Built for people with a lot at stake.
Our integrated tax and wealth approach is designed for those who have outgrown a single advisor — business owners, physicians, professionals, and families with complex financial lives.
Fee-Only
Fiduciary
CPA + CFA + CFP®
California-Based
Audiences we serve
Six situations
we know intimately.
Each segment below has a different set of tax, investment, and planning levers — and a different definition of what a good year looks like.
Audience 01
Doctors & Healthcare
Complex income, practice ownership, and high California tax exposure.
01
Audience 02
Business Owners
Your business is your biggest asset — and your biggest tax event.
02
Audience 03
RSUs, deferred comp, and California’s top income tax rate.
High-Income Professionals
03
Audience 04
Pre-Retirees
The decade before retirement is the most valuable planning window you have.
04
Audience 05
Retirees
Withdrawal sequencing, RMD management, and sustainable income for decades.
05
Audience 06
Families
Coordinated oversight for multi-dimensional financial lives.
06
Audience 01
Doctors & Healthcare
Complex income, practice ownership, and high California tax exposure.
01
Audience 01
Doctors & Healthcare
Complex income, practice ownership, and high California tax exposure.
01
The integration advantage
One advisor.
One strategy.
Better outcomes.
Most advisory firms specialise in one thing: investments, or taxes, or estate planning. The client is left to coordinate. Decisions get made in isolation. Tax-loss harvesting happens after the bonus. Roth conversions happen after the RMD. The right move arrives a year late.
ACap was built the other way around. Our wealth advisors, CPAs, and family-office team sit in the same office, share the same calendar, and review the same plan. Every recommendation passes through tax, investment, and estate lenses before it reaches you.
That’s why people come to us, and why most of them stay for a decade or more. Integration isn’t a feature — it’s the entire product.
Pick your situation
Find your situation.
Each of the audiences we serve has a different set of challenges — and a different set of opportunities. Select yours.
Audience 01
Doctors & Healthcare
Complex income, practice ownership, and high California tax exposure.
01
Audience 02
Business0 Owners
Your business is your biggest asset — and your biggest tax event.
01
Audience 03
High-Income Professionals
RSUs, deferred comp, and California’s top income tax rate.
01
Audience 04
Pre-Retirees
The decade before retirement is the most valuable planning window you have.
01
Audience 05
Retirees
Withdrawal sequencing, RMD management, and sustainable income for decades.
01
Audience 06
Families
Coordinated oversight for multi-dimensional financial lives.
01
Where we add value
What integration looks like for each audience.
A side-by-side of the levers we actually pull, by segment. None of this is generic — every bullet has a CPA and an advisor behind it.
Segment
Common Challenges
Tax Opportunities
How ACap Helps
- Practice income volatility
- Heavy California tax burden
- Limited time for planning
- Malpractice & entity exposure
- Cash balance & 401(k) layering
- Entity structure optimization
- Practice valuation timing
- Real estate cost segregation
- Year-round tax projections
- Coordinated investment plan
- Cash flow runway modeling
- Single point of accountability
Business Owners
- Wealth concentrated in business
- Exit timing and tax drag
- Compensation vs distribution
- Estate & succession ambiguity
- QSBS / §1202 planning
- Installment sale & trust strategies
- S-corp vs C-corp positioning
- R&D and depreciation capture
- Practice income volatility
- Heavy California tax burden
- Limited time for planning
- Malpractice & entity exposure
High-Income Professionals
- RSU concentration
- Deferred comp complexity
- AMT and CA top-bracket exposure
- Underused workplace benefits
- RSU sell schedules
- ISO exercise modeling
- Mega backdoor Roth
- Charitable bunching strategies
- Equity comp tax modeling
- Diversification glidepath
- Retirement projection refresh
- Annual proactive review
Pre- Retirees
- Decision fatigue near retirement
- Untested withdrawal plan
- Healthcare bridge gap
- Roth conversion uncertainty
- Multi-year Roth conversions
- Bracket smoothing strategy
- Capital gain harvesting
- HSA & ACA premium tuning
- Retirement income blueprint
- Tax projection through age 95
- Asset location plan
- Estate and beneficiary review
Retirees
- RMD shock at 73/75
- Medicare IRMAA cliffs
- Spousal income gap risk
- Inheritance complexity
- Withdrawal sequencing
- QCD donations
- Beneficiary trust planning
- Step-up basis coordination
- Sustainable income modeling
- RMD & IRMAA monitoring
- Estate execution support
- Family communication plan
Families
- Multiple advisors, no quarterback
- Generational wealth transfer
- Entity sprawl
- Education funding pressure
- Annual gifting strategy
- 529 & UTMA layering
- Generation-skipping trust
- Family LP/LLC structuring
- Family-office level oversight
- Multi-generation planning
- Estate attorney coordination
- Annual family meeting cadence
Wherever you are
Wherever you are in your financial journey — integration changes the outcome.
One integrated team — tax strategy, wealth management, and family office planning, built around your situation.