How we're paid
We're fiduciaries by design. We aren't paid commissions on anything inside your investment accounts, so the strategies above are chosen because they fit your situation, not because one pays us more than another.
| Feature | Ongoing Wealth Advisory Continuous partnership | Financial Blueprint One-time roadmap |
|---|---|---|
| Financial planning | ||
| Continuously updated | Written plan | |
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Why it matters
Your plan connects retirement, cash flow, compensation,
investments, taxes, and major life decisions.
Ongoing Advisory
Your plan is revisited as your income, goals, investments, and
family circumstances change.
Financial Blueprint
You receive a comprehensive written plan with recommendations
based on your circumstances today.
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| Re-run as life changes | Modeled once | |
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Why it matters
Retirement timing can change with compensation, spending,
markets, taxes, and personal priorities.
Ongoing Advisory
Projections are updated whenever meaningful changes occur.
Financial Blueprint
Retirement scenarios are modeled as part of the written plan.
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| Updated over time | Current snapshot | |
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Why it matters
Income, spending, savings, and liquidity affect nearly every
financial decision.
Ongoing Advisory
Cash flow is revisited as compensation and spending change.
Financial Blueprint
Your current cash flow is reviewed as part of the written plan.
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| Reviewed continuously | Reviewed in the plan | |
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Why it matters
RSUs, ESPP participation, retirement accounts, and benefits
can significantly affect taxes and cash flow.
Ongoing Advisory
Compensation is revisited as grants vest, elections change, or
a new job opportunity arrives.
Financial Blueprint
Current compensation and benefits are reviewed during the
planning engagement.
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| Portfolio and investments | ||
| Managed for you | Recommendations | |
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Why it matters
Your allocation should support your goals, timeline, taxes,
and tolerance for risk.
Ongoing Advisory
Consilio builds, monitors, and manages your portfolio.
Financial Blueprint
You receive allocation recommendations and implement them
yourself.
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| Core strategy | Not included | |
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Why it matters
Direct indexing may create additional customization and
tax-management opportunities.
Ongoing Advisory
Direct indexing may be incorporated into the managed portfolio
when appropriate.
Financial Blueprint
Active portfolio implementation is outside the scope of the
written plan.
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| Available when appropriate | Not included | |
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Why it matters
Private equity, hedge funds, and private real estate may add
diversification but require careful evaluation.
Ongoing Advisory
Qualified clients may receive access through the managed
portfolio.
Financial Blueprint
Private-market access is not included.
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| Managed systematically | Not included | |
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Why it matters
Realized losses may offset gains when coordinated with your
broader tax strategy.
Ongoing Advisory
Harvesting is coordinated with investments and tax planning.
Financial Blueprint
Ongoing harvesting is not available without a managed
portfolio.
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| Tax strategy | ||
| Completed annually | Not recurring | |
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Why it matters
Tax projections may identify opportunities before the tax year
ends.
Ongoing Advisory
Projections are completed annually and coordinated with the
investment strategy.
Financial Blueprint
The plan provides point-in-time guidance rather than annual
monitoring.
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| Reviewed each year | Point-in-time analysis | |
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Why it matters
The value of a conversion depends on income, tax brackets,
investment growth, and future withdrawals.
Ongoing Advisory
Opportunities can be reconsidered each year.
Financial Blueprint
Opportunities are evaluated during the planning engagement.
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| Ongoing coordination | Not included | |
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Why it matters
Financial planning, investments, and tax filings work best
when the professionals involved are coordinated.
Ongoing Advisory
The team can continue collaborating with your CPA over time.
Financial Blueprint
Coordination may occur while recommendations are developed.
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| Access and support | ||
| Ongoing access | During the engagement | |
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Why it matters
Financial decisions often arise between scheduled planning
milestones.
Ongoing Advisory
Your team remains available when questions or decisions arise.
Financial Blueprint
Your team is available during the focused planning engagement.
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| Every career change | Current decisions | |
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Why it matters
Salary, equity, benefits, vesting, and taxes can make job
offers difficult to compare.
Ongoing Advisory
Your team can help evaluate new offers as they happen.
Financial Blueprint
A current job decision may be incorporated into the plan.
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| Ongoing coordination | Initial coordination | |
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Why it matters
Estate documents, beneficiaries, account ownership, and your
financial plan should work together.
Ongoing Advisory
Coordination can continue as your family and assets evolve.
Financial Blueprint
Estate-planning needs can be identified during the engagement.
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| Format and commitment | ||
| Ongoing relationship | Written roadmap | |
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The central difference
One service delivers a detailed plan. The other adds ongoing
implementation, monitoring, and decision support.
Ongoing Advisory
A continuing financial partnership designed to remain current.
Financial Blueprint
A comprehensive plan that is actionable when delivered.
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| Continuously revisited | Point-in-time snapshot | |
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Why it matters
Recommendations may become outdated as markets, compensation,
taxes, and personal goals change.
Ongoing Advisory
The plan is revisited instead of being filed away.
Financial Blueprint
The plan reflects your circumstances when it is prepared.
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| Pricing | ||
| Cost | Annual advisory cost 0.35%–1.30% Based on assets managed · $11,500 annual minimum. See full cost structure. | Flat fee $6,000 Three monthly payments of $2,000 |