Financial planning and education (without the jargon) I Creating blueprints for high-earning sales executives and business owners

I left the financial industry because I saw a problem.

People wanted to work with a planner, but they ended up becoming a number on a spreadsheet.

I had to leave to start something new.

And now?

I'm a fee-only planner who helps salespeople & equity compensated employees under 45 give a purpose to their paycheck.

I left the large financial institutions to start my own independent company. I did it so people could pay for real planning and not just an agenda to sell a hidden product. 

As a true fiduciary, Pashman Financial, LLC was built on that promise by focusing on you and you only.

🔵 Why people hire me? 

Well, people have come to me with the following problems:

- They want peace of mind with their money
- Their old advisor barely communicates with them
- They want an answer tailored to them, not from Google
- They felt pressured to buy a product that wasn't a right fit
- They are great at making money but struggle to keep it
- They want a simple plan that's easy to understand
- They want someone to hold them accountable
- They want someone they can trust

🔵 What are my services?

I help identify your goals, craft a financial blueprint that lays out action items to hit them, and monitor your progress. 

💵 Cash Flow Management  
📈 Equity Compensation
🏡 Real Estate Planning
📊 Investment Planning
📍 Retirement Planning
🛡 Insurance Planning
📚 Education Planning
💲 Tax Management
💳 Debt Repayment
📃 Estate Planning

🔵 Who do I serve?

Age: Individuals and families between 30-50 years old
Target: Sales pros, tech employees, other millennial families
Location: Virtually anywhere in the U.S.

But I love working with people that are driven to make a change. So even if you don’t fit these criteria, feel free to reach out. Your personality is everything. 

🔵 Why I'm different?

1) My model is primarily a flat fee service. No time trap. 

2) I do not require you to hand over your investments nor require a minimum to work with. Managing your assets is optional and I'll still assist you if you do it yourself. My focus is ongoing financial planning. 

3) I focus on how to increase your cash flow, not just your assets. I work with you to ensure your systems are set and consistently educate you on how your finances work. I get paid to truly keep you accountable over time.

You can find my pricing in my "featured" section on the website. 

Stop delaying action. Shoot me a message to schedule a complimentary intro.

Max Pashman, CFP®

50% of people have no idea what tax bracket they're in.

And most think more taxes mean less income. WRONG.

It's not a flat rate. 

The US tax system works at a progressive rate. 

In other words, each level of income is taxed at different rates. 

As new income is included, it is taxed at a higher rate. 

BUT that doesn't mean all of the income is taxed at that rate. 

The highest tax rate is called the "marginal rate". 

The overall tax rate (taxes divided by taxable income) is called the "effective rate". 

Big difference!

Helping Founders and Executives Plan for Early Retirement and Exit

You could skip your annual $7,500 vacation with your family.

Instead, you could contribute to a Roth IRA.

At an average 7% return, over 30 years, that $7,500 annual could grow to about $708,000.

By skipping it, you’d be closer to your retirement.

But there’s one problem.

You traded moments with your family for a bigger portfolio.

Your children will be yours forever.

But they also won’t be kids forever.

For some families, prioritizing these moments matters more.

Because what good is a retirement if it means sacrificing the life you care about along the way?

Most people focus on return on investment (ROI).

We try to focus on something else.

Return on life.

ROL.

The worst financial advice I've seen online: 
 
- Renting is a waste of money 
- Pay all debt first before investing 
- Spend everything now cause YOLO 
- Index Universal Life is better than a 401(k) 
- Don't increase your income so you can avoid more taxes 
- Buy [insert expense] solely because you can write it off 
- Index funds are bad because they are boring 
- Use your credit card as your e-fund 
- Never buy or lease a new car 
- Invest your e-fund 
- 401(k)s are a scam 
- All debt is bad 
 
These can either be challenged, too extreme, or just plain wrong. 
 
What might work for one person might not for another. 

What are some bad ones you've heard?

undefined undefined

pashman-financial-llc

schooloffinances

Your RSUs are income not investments
Your RSUs are income not investments
Your RSUs are income not investments
Your RSUs are income not investments
Your RSUs are income not investments

There's a reason it has "compensation" in equity compensation. 

It's because they are treated just like your cash. 

Don't believe me?

When they vest, check out your W2. 

It's listed right there next to your salary (your cash compensation).

They may be withheld differently, but it's taxed just the same as income when it comes to tax season.

If you leave it as is, sure it's equity that be treated as an investment. 

But the moment you get it? May as well be just like your cash compensation.

So if you don't know what to do, answer one question instead:

"If this was cash instead of equity, what would you do with it"?

Would you save it?
Would you spend it?
Would you invest it?
If you invested, where?

Your answer really dictates how you should reallocate it.

Especially based on...drum roll please*.... your goals! 

You're already taxed on it when it's fully vested.

Your choice of what to do from there.

Capital gains taxes can be your biggest ally or your worst enemy.

Here’s everything you need to know how they can affect your tax bill:

What is a Capital Gain?

It’s a tax applied when you sell an asset for a profit.

These assets can include:

-Stocks
-Crypto
-Real estate
-Businesses
-Personal property

There are two types of capital gains:

Short Term (STCG):

-> Assets held less than 1 year
-> Taxed as ordinary income

Long Term (LTCG):

-> Assets held more than 1 year
-> Taxed at preferential capital gains rates, separate from income taxes

Here’s a breakdown of the federal long-term capital gains rates for 2026:

Single:

-0%: $0–$49,450
-15%: $49,451–$545,500
-20%: $545,501+

Married Filing Jointly:

-0%: $0–$98,900
-15%: $98,901–$613,700
-20%: $613,701+

Relative to income brackets, you can see the immediate difference.

For Example (Single):

If you earned $200k and had $10k in STCG, it’s taxed as ordinary income.

Assuming a 32% marginal tax rate:

$10,000 × 32% = $3,200 in federal taxes

For $10k in LTCG, it’s taxed at the capital gains rate:

$10,000 × 15% = $1,500 in federal taxes

A huge difference!

But here’s where people mess this up:

Your capital gains rate depends on your total taxable income.

“Taxable income” is your adjusted gross income (AGI) minus below-the-line deductions (standard or itemized).

Which means those ranges include both your income AND your capital gains.

Example #1: Single, $50,000 Income, $10,000 LTCG

Total taxable income: $60,000
This puts all LTCG in the 15% bracket.
Tax:
$10,000 × 15% = $1,500 (Federal)

Example #2: Single, $30,000 Income, $10,000 LTCG

Total taxable income: $40,000
This falls entirely within the 0% bracket.
Tax:
$10,000 × 0% = $0 (Federal)

Example #3: Single, $30,000 Income, $20,000 LTCG

Total taxable income: $50,000
The income takes up the first $30,000.
Leaving $19,450 left in the 0% bracket.
$19,450 × 0% = $0

The remaining capital gains spill into the next bracket:
$550 × 15% = $82.50
-> Total LTCG tax: $82.50 (Federal)

This is why being strategic about when you realize capital gains matters.

By spreading gains over multiple years, you may take advantage of lower brackets.

Finally, remember:

Capital gains are not taxed inside tax-advantaged accounts
(e.g., 401(k)s, Roth IRAs).

That’s why most tax-loss harvesting opportunities live in taxable brokerage accounts.

Disclaimer: This is for financial education purposes only and not financial or tax advice.

"W2 employees never become millionaires."

Bulls***. I've consulted with 100s entering early retirement. 

Many were W2 employees, never actually owning a business. 

Or at least use it as a primary means of accomplishing millionaire status

They've crossed that point using the following methods:

- High savings rate towards stocks and real estate
- Equity compensation (More commonly via ISOs)

Owning a business is a massive opportunity to get there. 

And we've seen people retire early thanks to it too.

But it's not the ONLY method to create wealth.

Gotta pick that path that aligns with you.

But what do they all share in common?

Not sitting on the sidelines. 

They let investing take action. 

You earned hard for your paycheck. 

Now make it work harder for you.

Most have no clue what a write-off does.

Here's a quick breakdown of what it is:

A write-off is merely a deduction.

So use the example:

→ You get a $20,000 expense to write off
 → If your income starts at $200,000?
 → It gets lowered to $180,000
 → So what does that mean?

Here's what it does not mean:

IT DOES NOT MEAN $20,000 LESS TAXES.

A deduction does one thing:
Reduces income taxable.

In this case, a single person in 2025:
(Using only federal taxes in this example)

→ The entire $20,000 is in the 32% bracket
 → The amount taxed? $6,400 federal
 → So with the taxes saved?
 → You netted - $13,600

So yes, you saved more in taxes.

But you still spent money in the end.

It's not a dollar-for-dollar save.

It's a reduction in income taxed.

Big difference!

Note: Post is purely educational and not financial or tax advice*

You don’t need a financial planner if you’re HNW.

You just need to do the following:

- Investment planning
- Portfolio construction
- Asset allocation modeling
- Rebalancing across taxable, tax-deferred, and tax-free accounts
- Tax-aware asset location
- Capital gains management
- Tax-loss harvesting (and not violating wash sale rules)
- Multi-year tax projections
- Roth conversion timing and sizing
- AMT modeling
- Net investment income tax planning
- Equity compensation analysis (RSUs, ISOs, NSOs, ESPPs)
- 83(b) election decision modeling
- ISO AMT exposure tracking
- Concentration risk analysis
- Diversification strategy for concentrated stock
- Trading windows and blackout period planning
- Liquidity planning for large tax events
- Cash flow modeling across good and bad years
- Emergency fund optimization
- Opportunity cost analysis of excess cash
- Life insurance needs analysis
- Disability insurance review
- Umbrella liability coverage review
- ACA subsidy modeling
- Medicare planning
- Early retirement feasibility modeling
- Sequence-of-returns risk management
- Withdrawal strategy optimization
- Tax-efficient withdrawal order
- Guardrails vs fixed spending analysis
- Social Security claiming strategy
- Survivor benefit analysis
- Longevity risk modeling
- Estate planning coordination
- Beneficiary review across all accounts
- Annual exclusion tracking
- Lifetime exemption modeling
- Charitable giving strategy
- Entity structure planning considerations
- Reasonable compensation analysis
- Backdoor and Mega Backdoor Roth execution
- Exit planning scenarios
- Real estate analysis 
- Rent vs sell decision analysis
- 1031 exchange considerations
- Stress testing everything above
- Updating all of this every year
- And not panicking during market drawdowns
- And explaining it clearly to your spouse
- And actually implementing it correctly
- And staying compliant

Good luck!

A 👏 401k 👏 IS 👏 NOT 👏 A 👏 SCAM 👏

Here are some interesting facts about it:

- Has higher contribution limits than an IRA
- Provides a match via an employer
- Does not have income limitations
- Can offer a Roth component
- Can provide a Mega Back Door Roth

But you're probably thinking...

"My money is trapped in here forever!"

Not really. 

Why you won't generally get penalized until you are 59 1/2, there are exceptions to this:

But there are exceptions to getting funds out early penalty-free:

- Roth Conversion Ladder
- 72(t) Withdrawals (SEPP)
- Financial hardship (if allowed)
- Qualified Reservist Distributions
- Medical expenses
- Rule of 55
- Disability
- Death
- Etc.

In other words, you can take your money out with exceptions and specific strategies.

It can be an excellent vehicle for financial independence. 

Do you have a 401k?

- - - - - - - - - - - - - - - - - - - - - - - - -

If you like these visuals you'll love my newsletter with more visuals like this.

Be sure to be subscribed below:

https://lnkd.in/gJC9mTQH

I love it when LinkedIn Influencers are like "the new algo is hurting my reach" and I will look at their content and think yeah it's definitely not the algo bro...

Them: We're looking to get a home.

Lender: How much were you looking to borrow?

Them: Well, how much can we?

Lender: 28% of your gross income. 

Them: Awesome. Let's do it. 

......

Them: We need help. How come it feels like we are stuck? We make really good income! 

Advisor: Let's take a look at your finances.

checks it*

Advisor: Well, I've found the problem. Your mortgage is 50% of your net income.

... 

Affording a down payment doesn't mean you can afford a property.

There's more to owning than just the price:

The costs you see. 

The costs you don't see. 

Don't lose sight of them.

40% of business owners aren’t sure they picked the right entity.

Here's what you need to know about entity structure:

When choosing a tax entity, you gotta choose with what aligns with you.

Some of the characteristics include:

→ What legal protection is provided
→ Is the income earned a pass-through
→ Are there self-employment taxes 
→ How much admin is there
→ What are the tax impacts 
→ Is there double taxation
→ How much does it cost

And so on. 

Consulting with the combo between a CPA and CFP is a great way to make sure you are on the right path here!

What kind of business do you currently have?

- - - - - - - - - - - - - - - - - - - - - - - - - - - - 

If you love visuals like this you'll love the weekly money visual newsletter!

Be sure to be subscribed here:

https://lnkd.in/gJC9mTQH

Joe w/ $50K wants as much as Mia making $100K. 
 
Mia w/ $100K wants as much as Bob making $200K. 
 
Bob w/ $200K wants as much as Zoe making $400K. 
 
The problem? 
 
Income levels don't have a ceiling. 
 
And there are 8 billion people on this planet. 
 
So it's inevitable someone will be making more than you. 
 
Do yourself a favor and use a fair benchmark to compare to: 
 
Joe with $50K should aim to make more than Joe. 
 
Mia with $100k should aim to make more than Mia. 
 
Bob with $200K should aim to make more than Bob. 
 
Zoe with $400k shound aim to make more than Zoe. 
 
Stop basing your progress on someone else's. 
 
Want a better measurement to use? 
 
Grab a mirror and stick with it.

If your ESPP has a "look back", you're stting on a wealth hack. 

Here's the opportunity sitting in front of you. 

ESPPs are relatively simple. 

- You set aside your paycheck on a monthly basis for a period of time
- You buy your company stock at the end of the period
- Company let's you buy at a discount (usually 15%)
- The discount puts you at an immediate gain 

There some things to look out for like taxation, liquidity, and blackout periods to see how the ESPP works for you. 

But some have a provision called a "look back" period. 

The discount is applied either at the lower of the enrollment date or purchase date. 

For example:

If the enrollment price was $100 and $50 at the purchase price, the 15% is applied at the purchase price. 

If the enrollment price was $50 and $100 at the purchase price, the 15% is applied at the enrollment price. 

If the latter occurs you are looking at not only at 15% discount, but appreciation already of $50 between the $50 and $100! 

It's one of those great perks that can increase your wealth via your employer benefits. 

Don't discount the value of your company discount!

There’s a more tax-efficient way to own an index.

But is it worth it? Here’s a breakdown of direct indexing:

What is direct indexing?

It’s still passive investing.

But instead of owning an index fund, you own the individual stocks that make up the index.

Same market exposure.
Different implementation.

The goal isn’t higher returns.
The goal is tax efficiency.
Index funds are already very tax-efficient, especially ETFs.

But there’s one thing they can’t do:
They can’t pass individual stock losses to investors.

Losses inside a fund stay inside the fund.
With direct indexing, you own each stock directly.

That allows for:

Ongoing tax-loss harvesting
Offsetting capital gains
Deferring taxes while staying invested

Over time, this can increase after-tax wealth even if pre-tax returns are similar.

Some studies suggest direct indexing can add incremental after-tax value over long periods (often cited at 1%–2%), but results vary widely based on volatility, tax bracket, cash flows, and implementation.

Important tradeoffs to understand.
This strategy is not a free lunch.

Here’s what actually matters.

1) Cost

Most platforms charge roughly 0.10%–0.20%.
But additional costs may include:

Trading costs
Cash drag
Tracking error
Etc.

These reduce the net benefit and must be weighed against expected tax savings.

2) New money works best

Selling existing index funds to switch strategies often creates taxes that wipe out the benefit.

Direct indexing tends to work best with new dollars, such as:

Income
Liquidity events
Sale or acquisition proceeds
Using fresh capital avoids unnecessary tax friction.

3) Tax benefits depend on markets

The biggest advantage comes from harvesting losses, which requires volatility.

In prolonged bull markets:
Losses become harder to find
Unrealized gains accumulate

Tax benefits shift from harvesting losses to deferring gains, and eventually decline.

4) Wash sale coordination matters

Loss harvesting must be coordinated across taxable accounts, spousal accounts, and any index funds held elsewhere.

Poor coordination can reduce or eliminate the benefit.

5) You need an exit strategy

Deferred taxes eventually come due unless there’s a plan.

Is this money for retirement, charity, heirs (step-up in basis), or future liquidity?

Direct indexing works best when paired with broader tax and estate planning.

6) Benefits skew toward higher earners

The tax alpha is largest when tax rates and taxable balances are high.

For lower brackets or smaller portfolios, added cost and complexity may outweigh the benefit.

Bottom line

Direct indexing isn’t a magic upgrade.
It’s a tax optimization tool.

For the right investor, at the right time, with the right plan, it can add meaningful after-tax value.

For others, a low-cost index fund may be the better answer.

That’s why this should be a planning decision, not a product pitch.

If you’re exploring it, talk with a fee-only planner to see if it actually fits your situation.

I feel like I've seen these phases with early reitrees:

Stage 1: They fire their advisor cause they don't like performance or service
Stage 2: They do it themself and are happy with it
Stage 3: The more they research, the more they realize there's more to just investing
Stage 4: They keep getting conflicting answers to from thousands of voices online, but unsure which applies to them
Stage 5: They hire a financial planner for a second-hand opinion 

And guess what?

That new advisor is not the person trying to sell them some fancy product or performance.

It's the advisor who:

- Looks at their whole picture
- A structure to implement it
- Has an incentive to do so

I love it when people are able to handle finances on their own. 

But once you need some help?

You know where to find us.

Most people don’t actually know the tax status of their accounts.

Quick refresher 👇

Taxable Accounts:

- Individual Brokerage
- Joint Brokerage
- UTMA / UGMA

Pre-Tax Accounts:

- Traditional IRA
- SIMPLE IRA
- SEP IRA
- 403(b)
- 401(k)
- 457

Post-Tax Accounts:

- Roth IRA
- Roth 457
- Roth 401(k)
- Roth 403(b)
- Roth SEP IRA
- 529 (Could have a state deduction)

Triple-Tax:

- HSA (One of a kind)

Before worrying about returns?

Make sure you know how your money is taxed.

Which of these are you using?

If the recent 4,000 employees laid off by Block caught your attention, this is your wake-up call to revisit your emergency fund. 

Not your retirement accounts.
Not your brokerage accounts.
Not your company equity.

Your cash. 

Yeah, the boring cash loses to inflation over the long run.

But in the short run:

- Easily accessible
- Removed from market volatility
- Not taxed when withdrawn or liquidated

How much to fund is how you answer this question:

"How long can I reasonably live off my essential expenses?"

Just understand this about the stock market. 

It carries a risk of losing money, no matter how long you park it for.

But the longer you have it, the chances of that are cut significantly.

Not "eliminated", but the risk of losing money is statistically lower. 

That risk is put on full max if you need it now. 

The S&P 500 is not a viable fund in the near term. 

The asset that remains fixed near term is. 

Adjust accordingly!

Top ways early retirees pull their accounts penalty free:

- Roth conversions that have been moved after 5 years
- Distribute HSA funds backed by medical expenses
- Separation of service with a 457 plan
- Use a brokerage account
- Roth IRA contributions
- Rule of 55
- 72(t)

Alongside many more to implement. 

The question becomes which of these applies to you?

You won't know with a black and white answer. 

Find the one for you.

Christopher Nelson

Helping You Build Wealth with Tech Equity and become the Founder of Your Financial Independence

In the early 2000s,  my focus was on growing my skills, climbing the ladder, and being where I needed to be to get the job done. 

In 2009, I burned out hard. 

My new plan was to work for equity in tech start-ups and become financially independent.

Swing and Miss, the first start-up company I chose to work for, was going nowhere (equity worth zero). 

What happened? Did I screw up everything?

I chose the company because I was passionate about its mission, but I had not examined it further. I had no real plan.

My next step was to call people that I knew had been successful in working for equity in tech and see what was different in their "playbook."

Key lessons learned after first dead-end tech startup:
 -In trading my time and talent for equity, I need to think like an investor
 -Create a rigorous due diligence process
 -Don't fear failure, stay in the game
 -Keep learning

May 2011, Started at Splunk Pre-IPO

April 19th, 2012 Splunk had a break-out IPO

April 20th, 2012 feelings of anxiety and fear creep in about how to manage the newly generated wealth. 

I had to figure out how to get real income (real estate) into my portfolio. I needed something sending me checks.

Key lessons learned after the first IPO:
 -How to invest in private equity real estate
 -Set up my family for generational wealth
 -Own the result (don't put my future in someone else's hands)

New Mission: Be the Founder of a Micro Family Office to become Financially Independent.

Strategy:
 -Live within paychecks
 -Bonuses for extras
 -Invest all of our equity

I climbed the ladder to become a CIO. 

At the peak, I realized I wanted to build my DIY Family Office more than climb the ladder.

I changed roles and reduced my scope. 

On August 26, 2022, I graduated from my W-2 job to live a lifestyle by design.

I founded WealthOps in 2023 to equip technology professionals with the skills to build and run their portfolios.

My Portfolio:
 -3  Start-Ups I worked for IPOed (SPLK, YEXT, GTLB) <-Traded Time
 -Replaced paycheck with $200k+ of portfolio income
 -Built my Micro Family Office
 -Running a company structured around my life

My Results:
 -Highly Diversified Portfolio - Stocks, PE Real Estate, Debt, Businesses, and VC. 
 -$223 Million AUM with investors
 -7 Investments  gone full cycle with an Avg 19.4% IRR to investors
 -1000+ tech employees being educated on Managing Tech Millions
 -20+  and growing Portfolio CEOs

My mission - 1000+ Portfolio CEOs

Learn more about how I did this, join our free live workshop  →  https://dub.sh/wealthops-linkedin

Founder

Tech Careers and Money { }, a media and education company whose mission is to elevate Tech Professionals' finance knowledge through unmatched and unbiased education in career and personal finance to equip them to make their best decisions. 


Subscribe to learn about career growth, tech equity,  portfolio income, investing, budgeting, student loans, and more.

I built my own family office from scratch.

Here's how.

I didn't need $100M in assets. 
I didn't hire a $500K/year staff. 
I didn't wait for permission from a wealth manager.

I spent a decade studying how Single Family Offices operate.

The ones managing $500M+.

And I stripped them down to their core operating system.

Here's what I found: 

𝗘𝘃𝗲𝗿𝘆 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲𝗺 𝗿𝘂𝗻𝘀 𝗼𝗻 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝟳 𝗰𝗼𝗺𝗽𝗼𝗻𝗲𝗻𝘁𝘀.

1) Vision
2) Structure
3) Protection
4) Process
5) Data
6) Advisory Partners
7) Governance

That's it. 

Doesn't matter if it's $500M or $5M, the operating system is the same. 

The scale is different. 
The architecture isn't.

I call this scaled down version the 𝗠𝗶𝗰𝗿𝗼 𝗙𝗮𝗺𝗶𝗹𝘆 𝗢𝗳𝗳𝗶𝗰𝗲.

Most wealthy families have 1-2 of these components partially in place. 

Maybe a financial advisor (Advisory Partners). 

Maybe a basic portfolio (Structure). 

But without all 7 working together, you're running a business with missing departments.

The families who get this right don't outperform because they pick better stocks. 

They outperform because they run better operations.

The infographic below breaks down all 7 components and how they connect. 

Screenshot it. 

In a few days, I'm hosting a live workshop on how to set up components 1 and 2 in your own Micro Family Office.

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: https://dub.sh/mN0g8tK

Here is what attendees from last month's workshop said about it:

𝘐𝘵 𝘸𝘢𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘴𝘵𝘳𝘢𝘯𝘨𝘦 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘱𝘰𝘴𝘪𝘵𝘪𝘰𝘯 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘴. 𝘐𝘵'𝘴 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘵𝘶𝘵𝘰𝘳𝘪𝘢𝘭 𝘐 𝘤𝘢𝘯 𝘵𝘩𝘪𝘯𝘬 𝘰𝘧 𝘵𝘩𝘢𝘵'𝘴 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘢𝘺𝘪𝘯𝘨 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘶𝘴𝘦𝘧𝘶𝘭 𝘢𝘯𝘥 𝘶𝘯𝘣𝘦𝘭𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
– 𝗠𝗮𝘂𝗿í𝗰𝗶𝗼 𝗛.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘵 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
– 𝗖𝗵𝗿𝗶𝘀𝘁𝘆 𝗪.

𝘐 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 𝘵𝘩𝘢𝘵 𝘸𝘢𝘴 𝘨𝘳𝘦𝘢𝘵. 𝘈𝘯𝘥 𝘐 𝘵𝘩𝘪𝘯𝘬 𝘪𝘵'𝘴 𝘴𝘰 𝘧𝘶𝘯𝘯𝘺 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘵𝘰 𝘮𝘦, 𝘐 𝘸𝘪𝘴𝘩 𝘐 𝘩𝘢𝘥 𝘵𝘩𝘪𝘴 𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘰𝘯 𝘭𝘪𝘬𝘦 𝘧𝘪𝘷𝘦 𝘺𝘦𝘢𝘳𝘴 𝘢𝘨𝘰.
– 𝗣𝗮𝘀𝗰𝗮𝗹 𝗪.

I Run My Own Micro Family Office and Teach Others to Do the Same | Founder @ WealthOps

The 7 components of a Micro Family Office.

Excited to speak this afternoon at the Best Ever Conference about Micro Family Offices.

Last night I had the pleasure to meet up with John Laine, a member of the Micro Family Office Accelerator.

As the community grows, it's great to have the opportunity to meet more and more members IRL.

Tiger21 members have a minimum investable net worth of $20M.

𝗛𝗲𝗿𝗲'𝘀 𝗵𝗼𝘄 𝘁𝗵𝗲𝘆 𝗮𝗹𝗹𝗼𝗰𝗮𝘁𝗲 𝘁𝗵𝗲𝗶𝗿 𝘄𝗲𝗮𝗹𝘁𝗵...

30% Private Equity
25% Real Estate
15% Private Credit
20% Public Equities
10% Other

Notice what's missing? 

The standard 60/40 portfolio your advisor keeps recommending.

The ultra-wealthy don't build portfolios to track the market. 

They build portfolios to 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗲 𝗶𝗻𝗰𝗼𝗺𝗲.

And when you model it out, the math is compelling.

If you allocate $3M of your portfolio to income-focused investments there is a clear path to $250K+ in yearly portfolio income.

The opportunities for tax optimization are significant.

And when we apply them, effective rates of 3-5% aren't unrealistic.

That's ~$240K after tax -- with principal intact.

Compare that to the traditional drawdown approach: 

$120K gross, $90K after tax
(and your principal shrinks every year)

Same $3M starting point-- radically different outcome.

The difference isn't access. 

You've been legally qualified to invest in these assets for years. 

The difference is 𝘪𝘯𝘧𝘳𝘢𝘴𝘵𝘳𝘶𝘤𝘵𝘶𝘳𝘦.

Four pillars have to work together: 
- asset selection
- tax optimization
- risk management
- operational cadence

Miss one, the system breaks.

This is what we teach at WealthOps — how to build the infrastructure that makes this possible.

In a few days, I'm hosting a live workshop on how to architect the foundation of your own Micro Family Office.

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: https://dub.sh/mN0g8tK

Here is what attendees from last month's workshop said about it:

𝘐 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 𝘵𝘩𝘢𝘵 𝘸𝘢𝘴 𝘨𝘳𝘦𝘢𝘵. 𝘈𝘯𝘥 𝘐 𝘵𝘩𝘪𝘯𝘬 𝘪𝘵'𝘴 𝘴𝘰 𝘧𝘶𝘯𝘯𝘺 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘵𝘰 𝘮𝘦, 𝘐 𝘸𝘪𝘴𝘩 𝘐 𝘩𝘢𝘥 𝘵𝘩𝘪𝘴 𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘰𝘯 𝘭𝘪𝘬𝘦 𝘧𝘪𝘷𝘦 𝘺𝘦𝘢𝘳𝘴 𝘢𝘨𝘰.
- 𝗣𝗮𝘀𝗰𝗮𝗹 𝗪.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘵 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
- 𝗖𝗵𝗿𝗶𝘀𝘁𝘆 𝗪.

Evergreen portfolio for Micro Family Office

150+ members. 18 countries. One problem.

When I launched this program, I thought I was solving an American problem.

I was wrong about the geography.

USA
UAE
Italy
Peru
India
Israel
France
Mexico
Nigeria
Canada
Australia
Germany
Singapore
Philippines
Hong Kong
Saudi Arabia
New Zealand  
United Kingdom 

Someone in each of these countries has crossed the $1M threshold. 

Built real wealth. And then... hit a wall.

Too complex for retail financial services.

Too small for traditional family offices.

𝗧𝗵𝗲 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗱𝗲𝘀𝗲𝗿𝘁 𝗶𝘀𝗻'𝘁 𝗮𝗻 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗽𝗿𝗼𝗯𝗹𝗲𝗺. 

𝗜𝘁'𝘀 𝗮 𝘄𝗲𝗮𝗹𝘁𝗵 𝘀𝘁𝗮𝗴𝗲 𝗽𝗿𝗼𝗯𝗹𝗲𝗺.

The industry wasn't built to serve you at this net worth... anywhere in the world.

So you have to build your own infrastructure.

That's what the Micro Family Office does.

The same 7 components that run a $500M Single Family Office, scaled for $1M-$30M portfolios. 

Same principles. Leaner execution.

150 people across 12 countries are building it right now.

Tonight, I'm teaching the framework that started all of them.

In a few hours, I'm hosting a live workshop on how to architect your own Micro Family Office.

𝗪𝗮𝗻𝘁 𝘁𝗼 𝗮𝘁𝘁𝗲𝗻𝗱? Just send me a DM and I'll share the Zoom link.

---

Here is what attendees from last month's workshop said about it:

𝘐𝘵 𝘸𝘢𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘴𝘵𝘳𝘢𝘯𝘨𝘦 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘱𝘰𝘴𝘪𝘵𝘪𝘰𝘯 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘴. 𝘐𝘵'𝘴 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘵𝘶𝘵𝘰𝘳𝘪𝘢𝘭 𝘐 𝘤𝘢𝘯 𝘵𝘩𝘪𝘯𝘬 𝘰𝘧 𝘵𝘩𝘢𝘵'𝘴 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘢𝘺𝘪𝘯𝘨 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘶𝘴𝘦𝘧𝘶𝘭 𝘢𝘯𝘥 𝘶𝘯𝘣𝘦𝘭𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
— Mauricio H.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘵 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
— Christy W.

𝘐 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 𝘵𝘩𝘢𝘵 𝘸𝘢𝘴 𝘨𝘳𝘦𝘢𝘵. 𝘈𝘯𝘥 𝘐 𝘵𝘩𝘪𝘯𝘬 𝘪𝘵'𝘴 𝘴𝘰 𝘧𝘶𝘯𝘯𝘺 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘵𝘰 𝘮𝘦, 𝘐 𝘸𝘪𝘴𝘩 𝘐 𝘩𝘢𝘥 𝘵𝘩𝘪𝘴 𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘰𝘯 𝘭𝘪𝘬𝘦 𝘧𝘪𝘷𝘦 𝘺𝘦𝘢𝘳𝘴 𝘢𝘨𝘰.
— Pascal W.

You crossed $2M in investable assets.

Your wealth level changed but your wealth mgmt approach didn't.

At $250K, a retail brokerage and a traditional advisor made sense... the tools fit the job.

At $2M+, concentration is the threat. Income is the goal. But a portfolio still sitting 80% in public markets isn't built for either.

Here's what the top 0.1% actually hold:

28% real estate.
28% private equity.
23% public stocks.

This isn't a knowledge problem about which investments to buy.

It's a foundation problem.

Before you can shift your allocation toward income-generating assets at any meaningful scale, three things MUST exist:

𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗧𝗵𝗲𝘀𝗶𝘀. Private equity deals don't wait. A good operator opens a fund once every few years. The window is short. Without a written document that defines what a yes looks like before the pitch starts, you make decisions under pressure — and expensive mistakes follow.

𝗣𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗔𝗿𝗰𝗵𝗶𝘁𝗲𝗰𝘁𝘂𝗿𝗲. What percentage goes to each asset class? How much can be illiquid at any given time? Without written allocation targets, you can end up 80% concentrated in a single category without ever making a single bad individual decision.

𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲. Your assets need legal separation from your personal finances. Without it, a bad outcome in one investment can threaten everything else you own. A properly structured Holding Company creates that wall. But only if the books match the entity. Commingled accounts mean a court can pierce the structure entirely.

The TIGER 21 portfolio allocation you see in the graphic isn't the starting point.

It's what you build toward AFTER the foundation exists.

I call this foundation building, the Architect phase.

In a few days, I'm hosting a live workshop on how to Architect your own Micro Family Office.

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: https://dub.sh/mN0g8tK

Here is what attendees from last month's workshop said about it:

𝘐𝘵 𝘸𝘢𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘴𝘵𝘳𝘢𝘯𝘨𝘦 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘱𝘰𝘴𝘪𝘵𝘪𝘰𝘯 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘴. 𝘐𝘵'𝘴 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘵𝘶𝘵𝘰𝘳𝘪𝘢𝘭 𝘐 𝘤𝘢𝘯 𝘵𝘩𝘪𝘯𝘬 𝘰𝘧 𝘵𝘩𝘢𝘵'𝘴 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘢𝘺𝘪𝘯𝘨 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘶𝘴𝘦𝘧𝘶𝘭 𝘢𝘯𝘥 𝘶𝘯𝘣𝘦𝘭𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
— Mauricio H.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘵 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
— Christy W.

The top 1% don't just build bigger portfolios.

They build fundamentally different ones.

Most people follow the same playbook:

Accumulate. 
Grow the number. 
Withdraw 4% per year and hope it lasts.

That's a drawdown portfolio.

It has one job: don't run out before you die.

But when you study how the top 1% actually manage wealth, the structure looks nothing like this.

They don't measure success by total portfolio value.

They measure it across three asset categories:

𝗜𝗻𝗰𝗼𝗺𝗲 → Cash flow that replaces your paycheck
𝗚𝗿𝗼𝘄𝘁𝗵 → Assets that compound over decades
𝗣𝗿𝗲𝘀𝗲𝗿𝘃𝗮𝘁𝗶𝗼𝗻 → Capital that weathers any storm

This is the structure of an 𝗲𝘃𝗲𝗿𝗴𝗿𝗲𝗲𝗻 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼.

It generates income 𝘸𝘩𝘪𝘭𝘦 preserving and growing the underlying capital.

This is why the top 1% have 80% of their wealth in assets working for them — not slowly being spent down.

One model depletes your wealth over time.

The other compounds it.

I'm breaking this down step by step in our live workshop on Feb 25th.

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: https://dub.sh/mN0g8tK

Here is what attendees from last month's workshop said about it:

𝘐𝘵 𝘸𝘢𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘴𝘵𝘳𝘢𝘯𝘨𝘦 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘱𝘰𝘴𝘪𝘵𝘪𝘰𝘯 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘴. 𝘐𝘵'𝘴 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘵𝘶𝘵𝘰𝘳𝘪𝘢𝘭 𝘐 𝘤𝘢𝘯 𝘵𝘩𝘪𝘯𝘬 𝘰𝘧 𝘵𝘩𝘢𝘵'𝘴 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘢𝘺𝘪𝘯𝘨 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘶𝘴𝘦𝘧𝘶𝘭 𝘢𝘯𝘥 𝘶𝘯𝘣𝘦𝘭𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
— Mauricio H.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘵 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
— Christy W.

Your advisor taught you to build a grain silo, while the wealthy built orchards.

Here's what most wealth-building advice produces:

You work for 30 years. 
You accumulate assets. 
You build a big number on the screen.

Then in retirement, you start drawing it down.

Living expenses come out of the pile. 
Advisor fees come out of the pile. 

Every year, you chip away at what it took decades to build.

And hope it outlasts you.

That's the Drawdown Portfolio. 

It works exactly like a grain silo: fill it up, then drain it.

Now here's what the wealthy actually do.

They don't build silos. 

They plant orchards.

The Evergreen Portfolio generates income through things like REITs, dividends, real estate, private credit, covered calls, and syndications. 

These assets produce yield 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 liquidating principal.

You harvest the fruit. 
You reinvest a portion. 
The tree continues to grow.

Distributions come from yield, not from selling assets. 

The portfolio isn't depleting. It's compounding.

𝗧𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝘀𝗵𝗶𝗳𝘁.

Here's why some advisors never show you this model:

The Evergreen Portfolio has 3 pillars:

- Growth Assets
- Income Assets
- Preservation Assets

But income-generating assets don't generate AUM fees.

Follow the money. 

If they can't earn a fee on the strategy, the strategy doesn't get recommended.

This isn't cynicism. 
It's incentive alignment. 

The Micro Family Office is built on the Evergreen model.

You architect income-generating assets. 

You distribute from what the orchard produces, not from what you spent decades growing.

That's the difference between a portfolio that runs out and a portfolio that gets passed down from generation to generation.

In a few days, I'm hosting a live workshop on how to architect your own Micro Family Office.

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: https://dub.sh/mN0g8tK

Here is what attendees from last month's workshop said about it:

𝘐𝘵 𝘸𝘢𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘴𝘵𝘳𝘢𝘯𝘨𝘦 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘱𝘰𝘴𝘪𝘵𝘪𝗼𝘯 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘴. 𝘐𝘵'𝘴 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘵𝘶𝘵𝘰𝘳𝘪𝘢𝘭 𝘐 𝘤𝘢𝘯 𝘵𝘩𝘪𝘯𝘬 𝘰𝘧 𝘵𝘩𝘢𝘵'𝘴 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘢𝘺𝘪𝘯𝘨 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘶𝘴𝘦𝘧𝘶𝘭 𝘢𝘯𝘥 𝘶𝘯𝘣𝘦𝘭𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
— Mauricio H.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘁 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
— Christy W.

𝘐 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 𝘵𝘩𝘢𝘵 𝘸𝘢𝘴 𝘨𝘳𝘦𝘢𝘵. 𝘈𝘯𝘥 𝘐 𝘵𝘩𝘪𝘯𝘬 𝘪𝘵'𝘴 𝘴𝘰 𝘧𝘶𝘯𝘯𝘺 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘵𝘰 𝘮𝘦, 𝘐 𝘸𝘪𝘴𝘩 𝘐 𝘩𝘢𝘥 𝘵𝘩𝘪𝘴 𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝗶𝘰𝘯 𝘭𝘪𝘬𝘦 𝘧𝘪𝘷𝘦 𝘺𝘦𝘢𝘳𝘴 𝘢𝘨𝘰.
— Pascal W.

What stands out to you most in this data the Fed released last month?

The Fed tracks the wealth composition of Americans every few years.

Here's what the most recent data shows across the top three tiers.

𝗧𝗼𝗽 𝟭𝟬%
Total Net Worth: $1.6M
Investable Net Worth: $842K
Real estate: 59% of portfolio
Business equity: 9% of portfolio

𝗧𝗼𝗽 𝟱%
Total Net Worth: $3.8M
Investable Net Worth: $2.0M
Real estate: 59% of portfolio
Business equity: 9% of portfolio

𝗧𝗼𝗽 𝟭%
Total Net Worth: $11.6M
Investable Net Worth: $9.3M
Real estate: 23% of portfolio
Business equity: 41% of portfolio

I found it interesting that the top 10% and top 5% have nearly identical portfolio compositions.

More assets but same composition.

But the top 1% looks different. 
Real estate drops from 59% to 23%. 
Business equity jumps from 9% to 41%. 

And the gap between TNW and INW narrows significantly.

Whether that composition causes the wealth gap, or results from it, the data doesn't say.

But the difference is there.

Tomorrow, I'm hosting a live workshop on how to architect your own Micro Family Office.

If you have between $1M - $30M investible net worth, I'd love to have you there.

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: https://dub.sh/mN0g8tK

Here is what attendees from last month's workshop said about it:

𝘐𝘵 𝘸𝘢𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘴𝘵𝘳𝘢𝘯𝘨𝘦 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘱𝘰𝘴𝘪𝘵𝘪𝘰𝘯 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘴. 𝘐𝘵'𝘴 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘵𝘶𝘵𝘰𝘳𝘪𝘢𝘭 𝘐 𝘤𝘢𝘯 𝘵𝘩𝘪𝘯𝘬 𝘰𝘧 𝘵𝘩𝘢𝘵'𝘴 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘢𝘺𝘪𝘯𝘨 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘶𝘴𝘦𝘧𝘶𝘭 𝘢𝘯𝘥 𝘶𝘯𝘣𝘦𝘭𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
— Mauricio H.

𝘠𝘰𝘶 𝘫𝘶𝘴𝘵 𝘨𝘢𝘷𝘦 𝘮𝘦 𝘵𝘩𝘦 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘐 𝘸𝘢𝘴 𝘮𝘪𝘴𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘐 𝘥𝘪𝘥𝘯'𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘢𝘵 𝘐 𝘯𝘦𝘦𝘥𝘦𝘥.
— Christy W.

taplio

The Battle

Max Pashman, CFP®

Christopher Nelson

Followers

Posts

Engagements

Likes

Performance ScoreMax Pashman, CFP®'s LinkedIn Performance

Performance ScoreChristopher Nelson's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

Max Pashman, CFP®

Christopher Nelson

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Max Pashman, CFP®'s LinkedIn Performance

Performance ScoreChristopher Nelson's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreMax Pashman, CFP®'s LinkedIn Performance