The Investably Experience

Where wealth meets
intention.

A boutique practice built for high earners and families who want more than investment management — they want a partner who sees the whole picture and genuinely cares about the outcome.

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Intentional Wealth. Thoughtfully Managed.®
Your Entire Financial Life. Coordinated.

Most advisors manage
your portfolio.

At Investably, we coordinate everything — your investments, your business, your taxes, your real estate, and your estate — under one unified strategy built entirely around you.

FiduciaryAlways acting in your best interest
BoutiqueFewer clients, deeper care
CompleteEvery dimension of your wealth

The traditional advisory model was built around one thing: managing your investment portfolio. At your stage of life, that's the least of your challenges.

You've outgrown the standard model. What you need now is coordination — someone who connects every moving part of your financial life and helps you make decisions that reflect where you're going, not just where you've been.

What most advisors do
  • Manage your investment portfolio in isolation from everything else
  • Send quarterly statements and meet twice a year
  • Refer you to a CPA, attorney, and insurance agent who don't talk to each other
  • Charge 0.75%–1.00% of assets — regardless of advisory work actually done
  • Leave your business, real estate, and tax strategy entirely uncoordinated
  • Miss the decisions that matter most — those at the intersection of everything
What Investably does
  • Coordinates your investments, business, real estate, taxes, and estate as one unified strategy
  • Provides direct, ongoing access to your advisor — not a call center
  • Acts as the primary coordinator across your entire professional advisory team
  • Separates fees transparently — one for planning, one for investments. Both clear. Both fair.
  • Integrates your business equity, rental portfolio, and liquidity events into your financial plan
  • Plans 5–10 years ahead — so decisions today reflect where you're going, not where you've been

"The most consequential financial decisions happen at the intersection of your business, your taxes, your estate, and your investments — not in any one of them alone."

The Full Wealth Architecture™ Scope

What's included

Every client receives every service, if appropriate. Complexity and assets determine how intensively we apply them — not what you have access to.

I
Investment Management
  • Discretionary portfolio management
  • Tax-efficient asset location
  • Loss harvesting & transition planning
  • Private market investment access
  • Institutional high-yield cash — generally 8× national avg
P
Financial Planning
  • Comprehensive financial plan
  • Cash flow & net worth analysis
  • Long-term wealth projections
  • Retirement income design
  • Social Security optimization
T
Tax Architecture
  • Multi-year tax planning & modeling
  • Roth conversion strategy
  • RSU, options & equity comp planning
  • QSBS & transaction tax strategy
  • CPA coordination & brief preparation
R
Real Estate Integration
  • Real estate in consolidated net worth
  • Refinancing analysis vs. investing
  • 1031 exchange & DST coordination
  • Depreciation & cost segregation
  • Business real estate strategy
E
Estate Planning Coordination
  • Streamlined document drafting via award-winning partner
  • Trust design & beneficiary planning
  • Wealth transfer modeling
  • Annual estate plan review
  • Trustee & fiduciary coordination
L
Liquidity & Lending
  • Cash reserve strategy & optimization
  • SBLOC access & oversight
  • Mortgage & lending analysis
  • Borrowing vs. investing modeling
  • Institutional lending coordination
For Business Founders
Business Founder Advisory™ — your business and your wealth as one strategy.
Standalone market cost
$5,000 – $20,000 / yr
Annual business valuation review and strategic context
Exit planning strategy and succession guidance
Corporate retirement plan design and coordination
Executive benefit and compensation planning
Corporate treasury management and investment oversight
Business real estate strategy and balance sheet monitoring
If you own a business, your personal finances and your business finances are inseparable. Most advisors handle one or the other. We handle both.
Separate Engagement

Pre-Liquidity Strategy
& Coordination

Dedicated advisory 12–36 months before a significant liquidity event. The decisions made in this window are often worth more than the entire advisory relationship.

"The decisions made in the 12 to 36 months before a liquidity event are often worth more than the entire advisory relationship. We start that work early."

Pre-Liquidity Advisory
Separate engagement · Standalone consulting
12–36 months before a significant liquidity event
  • Multi-year tax exposure modeling before the transaction
  • Liquidity event cash flow and capital deployment planning
  • 1031, QSBS, 351, 721 structuring coordination
  • Estate plan positioning in advance of close
  • Full coordination with attorneys, CPAs, and M&A advisors
  • Post-liquidity investment architecture design
Standalone consulting fee
$15,000 – $50,000+
The Honest Comparison

What may this cost to
assemble yourself?

The question is not what Investably charges. It is what you'd pay — and possibly lose — assembling this level of wealth coordination on your own.

Service or resourceStandalone market costWith Investably
Estate plan coordination & strategy brief$3,500 – $7,500 / yrIncluded in retainer
Annual business valuation review$3,500 – $8,000 / yrIncluded — founder retainer
Multi-year tax planning & architecture$3,000 – $8,000 / yrIncluded in retainer
Institutional high-yield cash managementNot available to most retail investorsUp to 8× national avg
Securities-backed lending (SBLOC)Requires $500K–$1M+ in assetsAccess + oversight included
Private market investment access$250K–$1M+ minimums typically requiredCoordinated access for eligible clients
Real estate fully integrated into financial planRarely included in standard advisoryIncluded in retainer
Business advisory & exit planning$5,000 – $20,000 / yr standaloneIncluded — founder retainer
ERISA 401(k) fiduciary oversight$6,000 – $15,000 / yrSeparate agreement — coordinated
Estimated total if assembled separately$40,000 – $100,000+ / yrCoordinated under one relationship

Estimates reflect typical standalone professional fees. Not all services are required by every client.

What Coordination Is Worth — In Real Numbers

Three examples.
Real math.

The difference is rarely one decision. It's the coordination of many.

Cash Optimization
$500,000 in idle cash reserves
National avg savings rate~0.50%
Annual interest at bank$2,500 / yr
Institutional money market~4.9%
Annual interest — institutional$24,500 / yr
+$22,000 / yr
Additional income from cash optimization alone
Tax Architecture
$2M pre-tax IRA, 15-year horizon
Without Roth conversion strategyFull RMDs at ordinary income
Estate may pass to heirs asTaxable IRA
With systematic Roth conversionLower brackets each year
Estimated lifetime tax savings$80K – $200K+
$80K – $200K+
Estimated lifetime tax savings from Roth strategy
Business Exit Planning
$5M business sale — planned vs. unplanned
Tax without planning$750K – $1.1M
Federal + state on full proceedsPaid in year of sale
With QSBS, gifting, installment saleMulti-year, structured
Estimated tax reduction$200K – $600K+
$200K – $600K+
Estimated tax reduction through structured exit planning

"The question is never whether you can afford a coordinated advisor. The question is what it may cost you not to have one."

How It Works

From overwhelmed to
entirely clear.

Our process is designed to be simple for you — and comprehensive on our end. You bring your life's work. We bring the strategy, the coordination, and the care.

01
A Private 30-Minute Conversation

No pitch, no pressure. An honest conversation about where you are, where you want to go, and whether we're the right fit for each other.

02
Total Wealth Discovery

We examine your complete financial picture — income, taxes, business structure, equity, investments, real estate, estate — and surface the opportunities most advisors miss.

03
Your Intentional Wealth Strategy

We design a coordinated, tax-smart plan built specifically for you — connecting every piece of your financial life into one coherent direction that moves with intention.

04
Ongoing Partnership & Stewardship

We implement, monitor, and evolve your plan as your life changes. Year-end tax planning, adjustments, transitions — we're your long-term partner, not a transactional service.

Your Wealth Journey

A relationship that
grows with you

We support families and business founders from building early momentum to stewarding complex, multi-generational legacies. As your wealth grows in complexity, so does the depth of our work together.

Wealth ranges we serve
$0$4M$8M$12M$12M+

Ranges are a guide, not a gate. What matters most is complexity, intention, and fit. Client relationship minimums apply.

Emerging Wealth
Building toward $4M
Wealth by Design
"Building wealth with intention — not alone."
  • Tax-smart income optimization toward wealth-building assets
  • Integrated wealth and investment framework
  • Retirement income design and long-term projections
  • Foundational estate and protection planning
  • Coordination across all sources of income and equity
Private Wealth
$4M – $8M in assets
Wealth Stewardship
"Turning success into sustainable, tax-smart wealth."
  • Strategic shift from active to passive income
  • Tax optimization across peak earning and growth years
  • Access to broader HNW investment strategies
  • Advanced estate framework for growing complexity
  • Pre-liquidity planning for founders and real estate investors
Multi-Generational
$8M – $12M in assets
Legacy Stewardship
"Protecting today's wealth. Designing tomorrow's legacy."
  • One integrated plan across multi-entity wealth
  • Proactive tax strategy at the full family level
  • Stewardship through major transitions and liquidity events
  • Durable family wealth framework for the next generation
  • Intentional "Next Chapter" income and lifestyle planning
Virtual Family Office
$12M+ in investable assets
Family Office
"Your financial world — coordinated, centralized, cared for."
  • Virtual family office oversight and coordination
  • Private markets, real estate, and concentrated equity
  • Advanced tax and wealth transfer across total wealth
  • Collaboration with your CPA, attorneys, and advisors
  • Family governance and multi-generational risk management
Effective March 1, 2026

We don't have asset minimums.
We have relationship minimums.

$14,888
Minimum annual relationship fee

This isn't a barrier. It's a commitment — to you, and to the quality of care we refuse to compromise. Every client receives deep planning, proactive tax strategy, investment stewardship, and ongoing coordination. Our minimum reflects what it genuinely takes to do this well.

As your wealth grows in complexity, so does the depth of our relationship.
The Value of Advice

What great advice actually delivers

Independent research consistently shows that integrated, tax-aware planning produces real, measurable outcomes — not just confidence, but genuine difference over time.

More Wealth, Over Time

Individuals with a formal, integrated financial plan accumulate two to nearly four times more wealth than those without one. Planning isn't a feature — it's the foundation every decision is built on.

T. Rowe Price, 2023
~3%
Higher Annual Net Returns

Better returns come from staying disciplined, minimizing taxes, and avoiding costly behavioral mistakes. That 3% compounds meaningfully over decades — and it starts with the right partner beside you.

Vanguard Advisor's Alpha
100+
Hours Returned to You Annually

Great wealth management gives you back something you can't buy: time. Time for your family, your business, your life — knowing your financial world is in steady, capable, caring hands.

Vanguard, Time Value of Advice
Real Scenarios. Real Results.

What coordinated planning
actually looks like

These hypothetical case studies illustrate how integrated, tax-smart planning transforms complex financial challenges into lasting wealth outcomes.

Get Your Own Strategy →
Business FounderTax Strategy
From $300K Tax Bill to Near Zero — While Building Retirement Wealth
The Situation

A high-earning founder was staring down a $300,000+ projected tax liability. Standard deductions weren't enough. Retirement was 8 years away — and growing concern about the economy made the stakes feel even higher.

Our Approach

Rather than isolated tax moves, we built a coordinated multi-strategy plan: advanced retirement design, real asset investments, entity-level timing, tax-efficient positioning, and business-funded protection — all working together.

$300K → ~$0
Projected taxes per CPA
Full Study →
Concentrated EquityRetirement
$3.5M Capital Gains Trap Turned Into Lifetime Income & Legacy
The Situation

A successful executive held $3.5M in a single, highly appreciated stock position — over 50% of total assets. Selling meant a crushing tax bill. Holding meant dangerous concentration heading into retirement.

Our Approach

We treated taxes, income, diversification, charitable giving, and legacy as one integrated conversation — designing a plan that unwound concentration gradually, created retirement income, and preserved generational wealth.

Tax Event → Legacy
Stress transformed to strategy
Full Study →
Life TransitionFamily Protection
Widow With $2M and Three Children Moved From Crisis to Clarity
The Situation

A widow suddenly lost her husband — the family's primary breadwinner — and inherited $2M while facing college costs for three children and a retirement horizon still seven years out.

Our Approach

We slowed the noise first. Stabilized cash flow and education funding, then built a tax-aware transition plan — aligning survivor benefits, investment strategy, and income timing — so every decision came from clarity, not fear.

Crisis → Confidence
A clear path forward for her family
Full Study →

All case studies are hypothetical and illustrative only. Not actual client experiences. Results vary. Consult your financial, tax, and legal advisors.

Advisory Fee Structure

Client choice.

At Investably, our role is to coordinate your entire financial life. Because our clients have different preferences in how they experience that relationship, we offer two fee structures.

"Some clients prefer to see how each component is structured and priced. Others prefer one simple number that covers everything. We've built both — so you can choose how you want to experience the relationship."
Option 1 — Primary Approach
Structured & Transparent
Relationship fee + investment management fee. Designed for clients who value clarity in how advisory services are delivered and priced.
  • Annual Relationship Fee — planning & advisory coordination
  • Investment Management Fee — based on assets under management
Option 2
All-Inclusive Simplicity
Unified AUM-based fee · no separate planning fee. For clients who prefer one fee, one number, full scope of Wealth Architecture™ services.
  • One unified advisory fee — no separate planning or advisory charges
  • Billed from managed accounts — household fee, no separate entity invoicing
What's included — regardless of fee structure
Investments & Planning
  • Investment management (public & private markets)
  • Financial planning & retirement income strategy
  • Liquidity event & exit planning support
  • Lending and balance sheet strategy
Tax, Estate & Protection
  • Tax-aware coordination with CPAs
  • Estate planning coordination
  • Risk management & insurance review
  • Multi-generational & legacy planning
Business & Coordination
  • Business & real estate planning guidance
  • Ongoing coordination with key advisors
  • Corporate treasury & ERISA advisory (where applicable)
Our Promise to You

What every Investably client can always expect

These aren't aspirations. They are the commitments we make to every client relationship — regardless of where you are in your wealth journey.

01
Planning is never secondary

Regardless of portfolio size, financial planning is always at the center of your relationship — not a perk reserved for larger accounts.

02
Advice is proactive, not reactive

We reach out before opportunities pass and before problems compound. You shouldn't wonder if something needs attention — we're already on it.

03
Complexity is properly resourced

As your wealth grows, so does the depth of our work. More entities, more tax strategy, more coordination — your advisory relationship scales with your life.

04
One enduring relationship

You have one trusted advisor who knows your story, your family, and your goals — genuinely invested in your outcome, not a rotating cast of strangers.

05
Tax is never an afterthought

Every recommendation — from how you invest to how you withdraw — is evaluated through a tax lens first. We architect around taxes from the start.

06
Your whole picture, always in view

We never look at just your portfolio. Your business, real estate, compensation, and family all inform how we advise — because decisions made in isolation are rarely the right ones.

The Investably Difference

More than ordinary advice —
every step of the way

Most advisors manage portfolios. We manage your entire financial life — proactively, tax-smart, and built entirely around you.

The Ordinary Approach
The Investably Approach
Planning
Investments managed separately from your life goals and family priorities
One integrated plan — investments, taxes, and life goals working as one cohesive whole
Tax Strategy
Minimal or reactive — addressed only when the tax bill arrives each spring
Proactive tax-optimization built into every investment and planning decision, year-round
Sources of Wealth
Ignores business equity, real estate, and equity compensation complexity
Coordinates all sources — business, property, equity, and earned income together
Portfolios
Cookie-cutter allocations based on age or a risk questionnaire alone
Personalized to your time horizon, tax profile, goals, and evolving complexity
Wealth Focus
Accumulation-only — with no clear plan for sustaining or transferring it
Built to grow, sustain, and thoughtfully transition wealth across every stage of life
Relationship
High-volume, transactional, and reactive when you eventually reach out
Boutique by design — fewer clients, deeper care, and proactive stewardship always
Starting the Conversation

The right fit matters.

We work with a small number of clients by design. Every relationship we take on gets the full depth of our attention — not a share of it. We're selective because we have to be, and because the clients who benefit most are those whose financial lives have grown complex enough to require genuine coordination.

We begin every new relationship with a straightforward conversation — no pitch, no pressure. We want to understand your situation, and you should understand how we work before making any decisions.

Schedule a 30-Minute Call
What to expect in an introductory call
Where you are and where you're heading
The complexity in your financial life today
What a Wealth Architecture™ relationship looks like in practice
Whether this is a good fit — for both of us

A 30-minute conversation. No obligations.

Take Your First Step

Your wealth deserves more
than ordinary.

We invite you to schedule a complimentary 30-minute virtual conversation. No pressure, no pitch — just an honest conversation about where you are, where you want to go, and whether we're the right fit.

Schedule a Private ConsultationA boutique practice. New relationships welcomed thoughtfully as capacity allows.

Investably, LLC is an independent registered investment advisor (RIA) registered in the states of Maryland and Florida, headquartered at 2 Bethesda Metro Center, Suite 250, Bethesda, MD 20814. We serve clients virtually in Maryland, Florida, and in any states where exemptions may apply. Effective March 1, 2026. Client relationship minimums apply to all new relationships.

¹ T. Rowe Price Retirement Savings and Spending Study, 2023. ² Vanguard Research, "Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha." ³ Vanguard Research, "The Emotional and Time Value of Advice." Past performance does not guarantee future results. Investing involves risk and possible loss of capital. All figures are illustrative only.

All case studies and coordination math examples are hypothetical and illustrative only. They do not represent actual client experiences or guaranteed outcomes. Individual results will vary. Nothing herein constitutes financial, tax, or legal advice. Cost comparison estimates reflect typical standalone professional fees for illustrative purposes only. Insurance solutions are available through Prosperably LLC, a separate but affiliated firm. INVESTABLY is a federally registered trademark. © 2026 Investably LLC® · Where Wealth Meets Intention®