Family-office-level coordination — without a $100M net worth
The 99% deserve to know what the 1% knows. A fractional family office brings the coordination the ultra-wealthy take for granted to families the traditional structure was never built to serve.
Educational only. Not tax or legal advice. See Disclosures.
A fractional family office gives your family shared, part-time access to the coordinated financial team a single-family office provides full-time — one strategist coordinating your CPA, attorney, and investment advisor around a single plan — without the roughly $100M net worth and standing payroll a private family office demands.
The wealthiest families rarely make money decisions alone. They employ a team — tax, legal, investment, insurance, estate — and someone whose entire job is to keep that team coordinated around one strategy. That structure is a large part of why generational wealth stays generational. It has historically been out of reach for everyone else, not because the coordination is expensive to think about, but because employing a full-time team is. The fractional model changes the math: you share the coordination instead of owning it outright.
What's included
A team of teams around one plan
Not a single product sale. A coordinating function that keeps the specialists you already trust aligned.
A coordinating point of contact
↗One strategist who sees the whole board — not five professionals who never talk to each other.
Read the brief
Insurance-based strategy
↗Protection, tax-aware accumulation, and income tools chosen to fit the plan — not sold in isolation.
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Legacy & estate coordination
↗Working alongside your attorney so the plan on paper and the money that funds it actually match.
Explore the strategy
An honest fit read
↗A short assessment that tells you whether this level of coordination is worth it for you yet.
Open the toolHow the models compare
Single-family, multi-family, and fractional
| Single-family office | Multi-family office | Fractional family office | |
|---|---|---|---|
| Who it's built for | One ultra-wealthy family | A handful of wealthy families | Families below the traditional threshold |
| Typical net worth | Roughly $100M+ | Often several million+ | No fixed threshold — driven by complexity |
| The team | Employed full-time, in-house | Shared staff at a firm | Coordinated, part-time, around your existing pros |
| Cost structure | Full standing payroll | Firm-level fees | Shared — you don't employ the team |
| Coordination | Total, dedicated | Shared across client families | One strategic point of contact |
“Fractional family office” is used descriptively above and is not a claim to any registered trademark or affiliation.
How it works
Goals first, products last
Understand the whole picture
Before any product enters the conversation, we map what you have, what you owe, who depends on you, and what you want your money to do. Goals first.
Convene the team
Your CPA, your attorney, and your investment advisor stay in their lanes — but now someone is coordinating them so the tax plan, the legal plan, and the money plan agree.
Build the strategy
Where insurance-based tools fit, we structure them to serve the plan, with the trade-offs named. Where they don't fit, I say so.
Keep it aligned
Life changes — a new baby, a business sale, a move, a market shift. Coordination is ongoing, not a one-time meeting.
Who it's for
When coordination is worth more than another product
- A business owner whose personal and company finances have grown tangled, and whose CPA and attorney have never spoken.
- A high-earning household — physicians, executives, professionals — with the income to build real wealth but no one steering the whole plan.
- A family approaching an estate or a business sale, where the sequence and the tax and legal coordination matter as much as any single decision.
- Anyone who has five financial professionals and the growing sense that no one is actually in charge of the strategy.
And, just as honestly: if your situation is genuinely simple — one income, a straightforward set of goals, no business or estate complexity — you may not need this level of coordination yet, and a focused piece of the plan may serve you better. The fit assessment is built to tell you that plainly.
Built for your situation
Coordination, tailored
Free Financial Roadmap
Start with a clearer picture
Tell me where you're focused — no sensitive details, just goals and how to reach you. Prefer a quick self-check first? Take the fit assessment.
Free Financial Roadmap
Step 1 of 4Where are you focused?
Select all that apply.
Common questions
Questions people ask
Selected next
Go deeper
Let's see if this fits
A short, no-pressure conversation about your situation — and an honest read on whether this level of coordination is worth it for you yet.
Private conversation · No obligation · Education first
Educational only. Not tax or legal advice. See Disclosures.