CFA Charterholder · Independent IAR · Austin, TX

Coordinate, before something forces you to.

A CPA, an advisor, an estate attorney, an insurance broker — none of them sees the others' work. The gaps compound: tax inefficiencies, unfunded trusts, stale beneficiaries, lapsing coverage. We integrate the four into one plan, so the gaps close before they become events.

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The Problem

Where most wealth plans break down.

You coordinate your own advisors.

Capital gains events, 1031 exchanges, estate updates. The work of connecting separate professionals defaults to you.

Tax planning ends at the current year.

Roth conversion windows, asset-location optimization, charitable structures, and entity-level moves rarely get run as a multi-year plan.

No single document explains the plan.

Assets across multiple custodians. Insurance from years ago. Nothing your family can sit with and understand.

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Two ways to start.

Begin with a free Discovery Call — 15 to 30 minutes to see whether we're a fit, at no cost. When you're ready to go deeper, the Foundation Review is a 90-minute session for $500: we review your financials beforehand and walk through tax angles, portfolio positioning, the protection audit, and a written plan you keep. The two are non-exclusive — start with the call, or book the review directly.

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Why Good Deals

An integrated alternative.

CFA-led and registered fiduciary

Investment analysis at the highest professional bar, legally obligated to act in your interest.

Operator background

Financial leadership across dozens of companies and many industries.

Modern stack

Investments at Altruist with automated rebalancing and tax-loss harvesting. Protection through BackNine. Tax strategy on a proprietary methodology.

Future Guide

A written summary of your plan, updated annually, that your family can read and understand.

Common Questions

Straight answers

Investments, tax strategy, insurance, and estate are managed by one CFA-led practice, not three separate firms. Coordination is built into the engagement.

Two questions: do you have a written Investment Policy Statement, and does your family have one document that explains the whole plan? If both yes, you probably don't need us. If either is a maybe, a free Discovery Call is worth 15 to 30 minutes — and if you want the full picture, the $500 Foundation Review hands you a written plan you keep.

Standard advisory fee on assets we manage at Altruist. If the protection audit identifies an insurance gap and you choose to fill it through BackNine, we earn a producer commission — written down before you bind anything. That's it. Not fee-only; we made the call to handle protection in-house so you don't end up with three more relationships to manage.

No. The Discovery Call is free, and the Foundation Review is a flat $500 — neither requires moving anything. We don't move a single dollar until you've seen and signed the plan. When you decide to move forward, account opening at Altruist takes about 10 minutes; ACATS transfers from your prior custodian run on a schedule you control.

For ongoing AUM management, we work with clients with $500K+ in investable assets. Plan-only flat-fee engagements are available where AUM doesn't fit. The free Discovery Call is open to anyone who wants a coordinated look at their financial picture.

Start with a free Discovery Call.

Fifteen to thirty minutes, no cost — then a $500 Foundation Review when you want the written plan. Custody stays at Altruist, protection runs through BackNine, and no assets are moved until you have seen and signed the plan.

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