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What Is a Family Office?

A Family Office is a private wealth management advisory firm that has solutions for the underserved business owner and underserved families saving for retirement or planning a legacy for their children.

I notice the Family Offices are different from traditional wealth management companies in that Family Offices offer a total solution to managing all tax, financial, and investment needs of businesses and families.  Thus, accelerating your wealth.


The Problem?

Why Do You Need a Family Office?

The biggest reason is that tax advice, financial advisory, business planning, and family planning all go together. Most high net worth families and businesses have a CPA, financial advisor, insurance advisor, and lawyer.

None of them talk to each other. They all leave it up to you to decipher the fragmented information and make the right decision for your business and family while you're busy growing your business, working and managing the day-to-day of your business and family.

Another reason to have a Family Office? During the presidential election in 2000, I was living with my 90-year-old granny. When I asked her who she wanted to vote for, she waved her hands at me and said, "They're all crooks!" She went on to explain to me that she didn't like taxes and that her Social Security check was higher in the 80s than in the 90s.

At the same time, I started earning around $10K per month and realized all the tax money that was taken out of my check. I was also deciphering the best way to invest my money for now and for the future.

Fast forward to 2010ish, I was in my CPA's office. A client of his called in about a big windfall he received and the CPA said, "There is nothing you can do but pay the tax." What if that same guy called his financial advisor? What would they say? Probably the same. What if he called his lawyer? Would it be the same?

Here Is Where I Find The Fragmented Advice Comes In...

For 10 years, I worked for Allstate, AXA, and Ameriprise. I performed advanced tax and financial planning, where I met with five different advisors a day.

In all my years of experience, here is what I have found to be generally true:

  • CPAs are usually historians and accounting for your numbers in the past.

  • Financial advisors are typically stock market focused.  We like to partner with them and offer estate planning, legacy planning, tax planning, Roth conversion calculations, etc.  For a business owner we know your best return and wealth building is in your business. 

  • Attorneys set up your entity and you usually never talk to them again.

Let Me Be Fair and Look at Each Profession and Add In How We Can Help...

Certified Public Accountant Duties. Examine Financial Records: CPAs analyze financial records to prepare tax returns, create budget reports, and conduct audits for their clients. These accountants ensure that financial records comply with federal, state, and local laws and regulations.

This is an amazing resource to have. Everyone needs to make sure they're accurately accounting for their income based on IRS Guidelines.

Here is where our CPAs differ. One of my CPA mentors says, "The reality is that only about 30 pages of the tax code are about raising money for the government. The majority of the law spells out business and investment incentives, which is why it is best to hire a CPA who can develop a tax strategy."

Notice that he says, "investment incentives". This is different than what the pundits like to call "loop- holes".

Our CPAs partner with our finan- cial advisor and provide a for- ward-looking tax plan combined with an investment plan to maximize tax incentives and maximize return.

I have surveyed and trained over 20,000 financial advisors. When it comes to financial advice, I know the needs of business owners and entrepreneurs are quite different from someone who is a diligent saver and investor. The goal of 99% of financial advisors is to put your money in the stock market, buy and hold. If they are buying and holding are they managing your account? What are your advisors doing to protect from declines in the market? You can save  what your advisor is charging you, invest in the S&P, ride the upside bull markets and ride the downside  market declines.  True management is managing your taxes, maximize your wealth, income and legacy.

In addition, most people save in tax-deferred accounts. These tax-deferred strategies frequently lead to people paying more tax than they otherwise would have with a better tax-managed strategy over the years. The biggest fees that we pay that hinders our wealth are taxes.

On the other hand, I have business owners asking me which company they should invest in. I always say your best return is buying your own stock or investing where you can get tax incentives or tax credits that put more of your profits in your pocket rather than the government's.

In both cases outlined, the best method is to have a CPA and financial advisor working together.

The third professional in our Triangle of Wealth is a lawyer. A lawyer is key for business owners, entrepreneurs, and anyone who wants to protect their wealth.

There are two key foundations to discuss: one for business owners and one for high-net-worth families.

For business owners, you need to have the right entity structure. Should you be a sole proprietor, limited liability company, S corporation, or C corporation? The entity you started out with may not be the entity you need now.

For high-net-worth families, you need estate planning. The first reason is to avoid probate. Probate will tie your money up in the courts for 9 months or more. Probate will cost your family 5% of your gross estate in legal fees to get through the process. The other reason you need an estate plan is to protect your family from the 40% estate tax your estate is subject to when you die.

As you can see the advice CPAs, financial advisors, and lawyers give all have investment and tax consequences. It's best to have them on the same page.

That is Why We Recommend Our Family Offices

  • Our CPAs provide you with forward-looking tax plans.

  • Our financial advisors know your money's best return is back in your business. We known your family has certain needs of tax implixations and retirement income to maximune your legacy.

  • We partner with attorneys to make sure your family and business are getting the best legal benefits of all the structures.



Our family office services include but are not limited to:

  • Tax preparation / Tax planning

  • CFO services / Accounting

  • Business/Real estate tax incentives

  • R&D tax credits

  • Financial advisory

  • Portfolio management

  • Business expansion

  • Retirement planning

  • Exit planning

  • Insurance planning

  • Sales Consulting

Who The VMG
Financial Family Office For...

If you're a business owner and want help managing profits and growing your business.

If you have money in the stock market and want to make sure you're protected from downturns.

If you want to make sure you're paying the legal minimum in taxes.

If you want to be protected from the high costs of Probate the 40% Estate Tax.

Business Tax Planning

  • Entity Structure

  • Captive Insurance

  • 179

  • Executive Rental

Real Estate

  • Cost Segregation

  • Bonus Depreciation

  • Installment

  • Deferred Sales Trust

Financial Advisory

  • Investment Advisory

  • 401k/Profit sharing

  • Self Directed IRA

  • Portfolio Management

Tax Preparation & Accounting

Business Expansion

  • Deal Flow

  • Deal Analysis

  • Pitch Deck Development


Retirement Planning

  • Roth conversion

  • Income Planning

  • Legacy

Estate Planning

  • Revocable Trust

  • Irrevocable Trust

  • Estate Tax Planning

Sales Consulting

11 Step Business Optimization System

Insurance Planning

  • Buy Sell Agreement

  • Keyman Strategies

  • Premium Finance

Here is the Deal...

If you want a CPA, Financial Advisor and Attorney to be working side by side to maximize your family's wealth, the VMG Financial Office is for you!

Our mission is to help families maintain financial viability in the present while taking a proactive approach to achieving future goals.

Call or Email to Schedule Your No Obligation Appointment...

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