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Saxe Capital

WEALTH PLANNING

Integrated wealth planning. One transparent fee.

Choose the plan that fits where you are today. Upgrade anytime as your life evolves.

ESSENTIAL PLANNING

Starting at $3,495/year

Renews annually at $2,495
Final pricing based on your household's income, net worth, and overall complexity.

Best for

W-2 professionals who want a dedicated advisor relationship and a structured financial plan, not another app or toolkit to figure it out alone.

ADVISORY MEETINGS

  • 1 annual coaching meeting
  • Additional advisory time: $500/hour

WEALTH & RETIREMENT PLANNING (ESSENTIAL)

  • Interactive financial plan with action items
  • Annual net worth snapshot
  • Cash flow and spending priorities
  • Retirement direction and contribution priorities
  • Insurance gap assessment (coverage needs)
  • Education funding strategy (529-focused)

INVESTMENT STRATEGY GUIDANCE

  • Global asset allocation strategy built for your goals, timeline, and risk profil
  • Step-by-step allocation map: exact targets by asset category and class, ready to implement through Saxe Capital or the provider of your choice
  • Ongoing allocation updates posted in your portal, reviewed annually in your coaching meeting

FAMILY CFO INDIVIDUAL

Starting at $5,995/year

Renews annually at $4,995
Final pricing based on your household's income, net worth, and overall complexity.

Best for

Executives, corporate leaders, and high-earning professionals within 10 year to retirement and ready to get serious about tax, retirement, and estate planning before the transition begins.

Everything in Essential Planning, plus dedicated tax preparation (personal returns) and full-spectrum wealth coordination, delivered through 3 dedicated meetings per year.

ADVISORY MEETINGS

  • 2 wealth planning strategy sessions with your dedicated wealth advisor
  • 1 annual tax strategy session with your tax team

TAX

  • Personal tax preparation coordinated with your financial plan
  • Income tax analysis and tax optimization strategy
  • Equity comp tax planning (RSU, ESPP, ISO, NSO, NQSOs)
  • Deferred compensation (409A) planning
  • Proactive tax projections and withholding adjustments

RETIREMENT (EXPANDED)

  • Retirement income planning and optimization
  • Drawdown sequencing and analysis
  • Backdoor Roth IRA conversions
  • Roth conversion laddering strategy
  • Social Security timing analysis

INSURANCE (EXPANDED)

  • Life insurance gap analysis for client and partner
  • Disability needs analysis
  • Long-term care funding analysis
  • Employee benefits optimization

ESTATE PLANNING

  • Estate plan design and strategy
  • Coordination with estate planning attorneys (attorney fees separate)
  • Beneficiary designation review across all accounts
  • Charitable giving strategies





FAMILY CFO ENTERPRISE

Custom Annual Fee


Pricing is based on complexity, scope, and business structure.

Best for

established business owners and entrepreneurs within ten years to a succession, sale, or exit, ready to integrate personal wealth and business strategy under one plan.

Everything in Family CFO Individual, plus business tax strategy, exit planning, and your own Chief Wealth Officer.

ADVISORY MEETINGS

  • 2 wealth planning strategy sessions with your dedicated wealth advisor
  • 1 annual tax strategy session with your tax team
  • Business strategy, value growth, and exit planning sessions coordinated as your engagement requires

BUSINESS TAX STRATEGY

  • Business entity tax preparation: S-Corp, LLC, partnership, unlimited K-1s
  • Business entity-level tax strategy: reasonable comp, distribution vs. salary, entity election
  • Multi-entity tax coordination across personal and business returns


BUSINESS PLANNING

  • Business succession planning
  • Key person insurance planning
  • Buy-Sell Funding

EXIT PLANNING 

  • Exit readiness assessment
  • Business valuation estimate
  • Value growth strategy: the runway approach to maximizing enterprise value before a sale
  • Exit sequencing: prioritized action plan by timeline
  • Deal structure education: stock vs. asset sale, earnouts, seller financing
  • M&A readiness education

ESTATE PLANNING (ADVANCED)

  • Business succession integrated with estate plan
  • Advanced estate strategies: grantor retained trusts, family limited partnerships, irrevocable trusts (coordinated with estate planning attorney; attorney fees are separate and not part of this subscription)
  • Advanced philanthropy: donor-advised funds, charitable trusts
  • Buy-sell agreement review and coordination


Planning fees above may be waived with an investment management engagement. Ask your wealth advisor about eligibility

INVESTMENT MANAGEMENT

Institutional-grade portfolio management, fully integrated with your financial plan.

When you're ready to have us implement and manage your portfolio, you get access to the same institutional money managers, tax strategies, and portfolio infrastructure historically reserved for endowments and ultra-high-net-worth families.

Annual Investment Advisory fee: 0.50% - 1.50% (tiered by assets under management)

Institutional Access

  • Access to the same asset classes and products used by institutional firms and ultra-high-net-worth individuals
  • Boutique mutual funds, exchange-traded products, and separately managed account strategies
  • Own the individual securities directly (in separately managed accounts), not just shares of a fund
  • Ability to exclude specific sectors or individual stocks (ideal for corporate executives with concentrated equity)
  • Blend up to three professional money manager models in a single account, calibrated to your goals and risk profile

Built-In Tax Strategies

  • Tax-loss harvesting: Your portfolio is systematically reviewed throughout the year. Eligible losses are captured to offset capital gains and reduce your tax bill, without changing your long-term investment posture. Studies suggest automated tax-loss harvesting can add more than 1% per year in after-tax returns, compounded over time.
  • Wash-sale rule management: During the required 30-day waiting period after a harvested sale, proceeds stay invested in a comparable position. Your capital keeps working, not sitting in cash.
  • Direct indexing: Own the individual stocks that make up a market index directly, with systematic tax-loss harvesting running on top at the individual stock level. For business owners approaching a liquidity event, this strategy can generate meaningful harvested losses to offset capital gains, potentially saving tens of thousands of dollars that a standard ETF portfolio cannot.

Fully Integrated With Your Plan

  • Asset allocation flows directly from your financial plan and retirement timeline, exit date, and income needs
  • Tax strategy is coordinated with your personal and business returns
  • Business exit proceeds are pre-planned for deployment before the liquidity event occurs
  • Roth conversion and backdoor Roth strategies are sequenced with investment account positioning
  • Estate plan beneficiary designations are aligned across all managed accounts
  • Automated rebalancing by a dedicated trading team
  • Performance reporting relative to your goals, not just the market