The VIP Wealth Investment Framework: Tax-Efficient, Rational, Results-Driven

Investing Shouldn't Be a Guessing Game

If you earn a high income, manage equity compensation, own real estate, or run a business, you know this: complexity scales with success. And yet, the wealth management industry hasn't caught up.

At VIP Wealth Advisors, we work with individuals and couples who have real assets, real tax problems, and tangible goals, not just numbers on a spreadsheet. Our clients are engineers, entrepreneurs, executives, creators, and professionals with meaningful income and meaningful lives. They don't need another sales pitch or a cookie-cutter investment model; they need a plan that integrates everything.

We reject market-timing and prediction games. Our philosophy is grounded in logic, discipline, and practical application.

Most financial advisors strive to outperform the market. We outperform chaos.

Wealth is built through consistent action, tax efficiency, and emotional discipline, not predictions. Our portfolios are globally diversified, tax-aware, evidence-based, and intentionally boring (in the best way possible). Why? Because boring portfolios help fund interesting lives.

We don't sell products. We build systems.

What we believe:

• Markets are mostly efficient—speculation rarely works.
• Costs and taxes matter more than hype.
• Investor behavior is the biggest threat to wealth.
• Portfolios must reflect your actual life: your tax profile, equity compensation, career risk, family structure, and goals.

"We don't chase performance. We engineer resilience."

The biggest threat to your portfolio isn't a bear market. It's your instinct to flee one.

Your most significant financial risk isn't the market—it's you overreacting at the wrong time, waiting for the perfect entry point, or chasing what's working today. According to DALBAR, the average investor significantly underperforms the market due to emotional decisions.

At VIP Wealth Advisors, we serve as a behavioral buffer between you and your worst instincts. Our job is to keep you on track when the headlines are screaming.

Whether markets are melting down or skyrocketing, we help clients:

• Stay invested when fear takes over
• Avoid sitting on the sidelines "waiting for the dip"
• Execute equity comp trades without second-guessing
• Zoom out when everyone else is zooming in

We primarily use low-cost ETFs and tax-efficient index funds—the building blocks of an innovative, global portfolio. No stock-picking. No timing the market. No black-box strategies.

In some cases, we'll use:

• Individual securities you bring into the portfolio
• Mutual funds inside legacy 401(k)s or 403(b)s
• Direct indexing for taxable portfolios over $500K when tax customization or ESG overlays are warranted

Every holding is carefully chosen to align with your asset location, investment horizon, liquidity needs, and tax profile.

Below are strategies we apply to improve client outcomes:

Sources: Vanguard Advisor Alpha, Morningstar Gamma, Envestnet Capital Sigma.

We don’t treat investing as a silo. It’s one part of an innovative, coordinated strategy.

Equity Compensation:

• ISOs, NSOs, RSUs, RSAs, ESPPs—we model your tax exposure, build automated trading schedules, and create 10b5-1 Trading Plans.

Employer Retirement Plans:

• We manage your 401(k), 403(b), or TSP as part of your total household allocation. No more guessing or neglecting your largest account.

Private Business Integration:

• VIP+ clients benefit from investment strategies that are tailored to their business cash flow, entity structure, and exit planning needs.

Tax Coordination:

• We optimize asset location, charitable giving, Roth conversions, and tax payments for lifetime efficiency.

Liquidity Strategy:

• We help manage inflows from equity sales, real estate, business income, and bonuses. That means thoughtful planning for taxes, purchases, and reinvestment, without disrupting your portfolio.
  

• Seamless account setup through Altruist or Schwab
• On-demand access to your portal, plans, and tax docs
• Regular check-ins and proactive alerts from real humans
• No 1-800 numbers or outsourced support

We're relationship-driven—but also efficient as hell.

Everyone wants to know: "What return can I expect?"

Here's the honest answer: Your investment return matters less than your behavior, savings rate, tax efficiency, and time in the market. The research is clear: getting those four things right matters more than picking the next hot fund.

We benchmark portfolios to appropriate global indexes and continuously optimize around:

• Risk-adjusted returns
• Tax efficiency
• Life event readiness
• Withdrawal needs

We’ll never pretend to beat the market. We’ll help you stop losing to it.

We don’t charge based on how much you have. We charge based on the amount of work we do. Our flat-fee structure reflects the actual value of our work—planning, tax, investments, equity strategy, and execution —all in one comprehensive relationship.

VIP Planning
For individuals and couples with complex financial lives
Annual Fee: $8,500 – $15,500

VIP+ Planning
For business owners and entrepreneurs with closely held businesses
Annual Fee: $12,500 – $24,500

No AUM-based fees. No commissions. No hourly charges. Just clean, transparent pricing.

1. Discovery Call: Schedule a no-pressure consultation. We’ll get to know your financial landscape and walk through how we can help.
   
   
2. Custom Plan Design: We’ll create a personalized, tax-smart investment strategy integrated with your life and goals.
   
   
3. Onboarding and Implementation: We’ll open accounts, transition assets, manage legacy positions, and execute trades, whether it’s stock transactions, 401(k) rebalancing, or charitable planning.

You’ll walk away with clarity, confidence, and a partner to help you execute your goals.