Compare Tiers

From foundational planning to advanced high-net-worth strategies, each tier provides different access based on what you need.

Determining Your Financial Planning Tier

We assess based on complexity, not just asset size. Factors like equity compensation structure, tax situation, and liquidity needs inform which tier is the right fit.

1

Your Situation

▸ Equity compensation complexity
▸ Concentrated stock positions
▸ Liquidity event timing
▸ Tax situation (AMT, QSBS, multi-state)
▸ Estate planning needs

2

Your Timeline

▸ Vesting schedules
▸ Upcoming liquidity events
▸ Career transitions
▸ Major life changes
▸ Planning horizon

3

Your Preferences

▸ Communication frequency
▸ Level of hand-holding desired
▸ Self-serve vs. concierge
▸ Technology comfort
▸ Family coordination needs

Wealth as a Product, Not a Service

Traditional advisors pitch a "plan" as if it's a static document you create once and revisit annually. That doesn't work when you're navigating vesting schedules, liquidity windows, AMT thresholds, and career decisions.

We believe wealth management is a practice: an ongoing discipline of monitoring, adapting, and executing as your situation evolves.

Our three tiers give you different levels of intensity in that practice. Starter is for those who want a strong foundation with periodic check-ins. Core is for proactive monitoring and integrated solutions. Plus is for those who need more complex coordination and advanced HNW strategies.

The goal is not to sell you the most expensive tier.

The goal is to match the right tier of service to your current complexity, with the flexibility to adjust as your situation and needs evolve.

How we support you
What Changes as You Move Up
All tiers include comprehensive planning. What changes is the depth of strategy, level of support, and complexity we help you navigate.
Starter
$175/month
Build Your Foundation
Explore Starter
Core
$250/month
Manage Complexity
Explore Core
Plus
$450/month
Steward Wealth
Explore Plus
Financial Planning Workbook
Included
Included
Included
Financial Modeling
Foundational modeling
Scenario planning
Integrated multi-scenario planning
Cash Flow Support
Budgeting & savings systems
Income optimization & planning tradeoffs
Household liquidity & family-level coordination
Equity Planning
Equity fundamentals
Advanced planning & execution
Complex liquidity & structuring
Concentration Risk Strategy
Diversification guidance
Structured diversification
Multi-year liquidity strategy
Trading Window Strategy
Execution planning
Tax-aware execution
Complex liquidity planning
Tax Return Review
Basic review
Equity-sensitive review
Complex multi-entity review
Tax Planning
Foundational tax planning
Event-driven tax strategy
Advanced tax architecture
CPA Coordination
As needed
Direct coordination
Portfolio Strategy
Diversified investing
Tax-aware management
Custom portfolio design
Direct Index Investing
Education
Advanced implementation
Multi-account coordination
Covered Call Strategy
Education
Eligible
Integrated with larger portfolio strategy
Alternative/Venture Investments
Education
Eligible
Coordinated strategy
Estate Planning
Core documents & basics
Trust planning
Full estate architecture
Charitable Planning
Giving guidance
DAF strategy
Advanced charitable structures
Wealth Transfer
Basic inheritance planning
Structured gifting
Multi-generational transfer strategy
Advisor Relationship
Dedicated financial guide
Strategic partner
Personal CFO
Family-Level Support
Included

Deep Dive Each Tier

We place you into a specific tier that aligns with your needs, net worth, and goals.