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Core Service

Wealth Management

Your CFO goes beyond portfolio construction. Investments integrated with your complete financial picture.

Our Investment Philosophy

Investment management is a means to an end. Your portfolio funds your goals.

Goals-Based Portfolio Construction

Your objectives. Your time horizon. Your risk profile.

Tax-Efficient Asset Location

Right assets. Right accounts. Minimized taxes.

Risk-Adjusted Returns

Returns you need. Volatility you can tolerate.

Institutional Access

Institutional-quality vehicles. Private market access.

What's Included

For executives and business owners with complex financial lives.

Investment Planning

  • Comprehensive investment policy statement development
  • Asset allocation modeling based on goals and risk tolerance
  • Portfolio construction and implementation
  • Ongoing rebalancing and optimization
  • Performance reporting and attribution analysis

Retirement Income Design

  • "Paycheck in retirement" income strategy
  • Social Security optimization analysis
  • Pension election evaluation
  • Required Minimum Distribution (RMD) planning
  • Roth conversion strategy and timing

Concentrated Position Management

  • Stock option exercise strategy (ISOs, NQSOs)
  • RSU vesting and diversification planning
  • ESPP optimization
  • 10b5-1 plan coordination
  • Tax-loss harvesting opportunities

Alternative Investments

  • Private equity and venture capital access
  • Real estate investment evaluation
  • Hedge fund due diligence
  • Structured products analysis
  • Direct lending opportunities

Investment Management Fees

Transparent pricing that rewards clients who trust us with both planning and portfolio management.

Standalone AUM

1.25%

For clients who engage us for investment management only, without a planning consultive fee.

Fee-Based Clients

1.00%

For clients who also hold a planning consultive fee. Rate scales down competitively as assets grow.

AUM fees scale down competitively at higher asset levels. Exact schedule discussed during discovery—we aim to be meaningfully below industry averages for clients who trust us with both planning and portfolio management.

Why 12 Stones

Fiduciary Standard

Your best interest. Always.

Transparent Pricing

No hidden costs. No revenue sharing.

Integrated Planning

Tax. Estate. Insurance. Coordinated.

Proactive CFO Oversight

Your CFO monitors. Adjusts. You don't have to ask.

Institutional Platform

We provide access to institutional-quality investment platforms, research, and alternative investment opportunities typically reserved for ultra-high-net-worth families. You get boutique service with Fortune 500 infrastructure.

  • Institutional-grade investment platforms
  • Access to private market investments
  • Independent research and analytics