Every dimension of your wealth, working as one.
Six disciplines, one coordinated strategy. Tax, investments, income, estate, business, and real estate are treated as one conversation, so every decision supports the whole.
Tax-smart planning
The best tax moves happen before the window closes.
- We help you understand the potential tax impact of your decisions
- We model how different approaches or tax-saving opportunities may affect your tax picture
- We factor potential tax impact into your strategies
- Year-round active coordination with your CPA across income, equity, business, real estate, and trusts
Investment stewardship
A portfolio built around your whole financial life.
- A personalized strategy built on your goals, timeline, risk tolerance, and tax profile
- Low-cost, tax-efficient ETF portfolios with globally diversified, institutional-style exposure
- Asset location, rebalancing, and tax-loss harvesting that reduce drag year after year
- Active stewardship: monitored and adjusted as your life evolves, never set and forget
Retirement income
A paycheck plan for the decades after the paychecks.
- Monthly income designed to sustain your lifestyle and create real work optionality
- Social Security timing coordinated with your other income sources
- Withdrawal sequencing that avoids bracket spikes and Medicare surcharges
- Healthcare and long-term care costs projected and planned for, not ignored
Estate & legacy
What you built should pass with purpose, not through probate.
- Trusts, wills, and beneficiary designations reviewed against your full financial picture
- Business interests and real estate properly integrated into the plan
- Gifting and stepped-up basis strategies that protect what transfers
- Coordination with your estate attorney, so the documents match your accounts and your life
Business & exit planning
Your company's value, woven into your family's plan.
- Retirement plan design that converts high business income into long-term family wealth
- Annual valuation review and a five-to-ten-year exit roadmap
- Succession, buy-sell, and key-person planning that protect the business and the family
- Net-proceeds modeling and post-sale income design, coordinated with CPA, legal, and M&A partners
Real estate integration
Real estate built the wealth. Strategy protects and extends it.
- Cash flow, depreciation, and cost segregation coordinated with your full tax picture
- Refinance-or-sell analysis in the context of tax year, market, and retirement timeline
- Exit paths mapped across 1031 exchanges, DSTs, 721 UPREITs, and Opportunity Zones
- Property titling and stepped-up basis planning built into your estate strategy
“Guiding families as their trusted advisor is my calling, and has been since I was twelve.”
Michelle founded Investably in 2021 with two decades of institutional investment experience. Today, she combines that expertise with the care of a trusted family advisor to serve her clients on their journey to financial freedom.
Questions about the work.
What people ask about how the disciplines fit together. If yours isn't here, it makes a great first message.
Do I need all six services, or can I start with just one?
It's one integrated relationship. We start where the pressure is — a business sale on the horizon, a tax year to get ahead of — and build out from there, connecting each piece so the strategy always accounts for your whole picture.
I don't own a business or investment property. Are these still relevant?
You engage the disciplines that fit your life. Business and real estate integration matter enormously for the families who have them and simply don't apply for those who don't. The tax, investment, retirement-income, and estate work is where most relationships begin either way.
Do you replace my CPA, attorney, or M&A advisor?
No — we coordinate with them. Across tax, estate, and a business exit, the plan only works when everyone plays their position: your CPA files, your attorney drafts, your M&A partners run the deal, and we keep the strategy connected so the documents and the numbers actually match your life.
How do you actually manage the investments?
Evidence-based and low-cost: globally diversified, institutional-style ETF portfolios built around your goals, timeline, and tax profile — not stock picking or market timing. Most clients grant us discretionary authority, so we can rebalance, invest deposits, raise cash, and act on tax opportunities promptly without approving every trade — while your accounts stay in your name with secure 24/7 access. Asset location, rebalancing, and tax-loss harvesting run in the background to reduce drag, and the portfolio is monitored and adjusted as your life changes.
What does it cost to work across all of this?
One flat planning fee covers the full advisory relationship regardless of how many disciplines are in play, plus a transparent 0.50% on the assets we manage. The complete breakdown lives on our How We Work page, and a 30-minute call is the honest way to see what your situation would involve.
How are my assets protected?
Your assets are held in your name at Altruist Financial, an independent custodian and SIPC member, so you retain ownership at all times. SIPC covers up to $500,000 per customer (including $250,000 in cash) if a brokerage fails, backed by additional excess coverage, and Altruist's high-yield cash program sweeps uninvested cash to FDIC-insured banks for expanded protection. None of this protects against normal market losses — it protects the custody of your assets.
Do you use proprietary investment products?
No. We're an independent fiduciary firm with no proprietary funds and no obligation to any fund family. That independence lets us select from a broad universe — stocks, bonds, mutual funds, and ETFs, plus select private-market opportunities when appropriate — and choose each investment on its own merits and how it fits your overall portfolio. We work for you, not a product shelf.
Wealth with intention starts with a conversation.
Bring your questions, challenges, and goals. We'll listen and provide insight on what your options are for moving forward.