Knowledge, skill and Service are embedded in our culture. Everything that we do is focused on delivering the best advice and solutions to help our clients achieve their objectives.

PersonalCFO has created a comprehensive set of services with solutions to cover all of your needs. We understand that every client is different. For this reason, we offer a la carte services allowing you to customize a solution package that fits your specific needs.

We have developed a methodology, which we call The Discovery meeting, to analysis and demonstrate how we can add measurable value to your specific circumstances. We offer this at no cost. The results include portfolio, estate, tax and other planning analysis to help you understand where you are and what you need.

To get started, we created a simple method for you to build a customized set of services aligned with your specific requirements. This will provide a blueprint for us to follow up to gather the required information to start creating your road map to create, protect and built wealth from wealth. We have developed secure systems and non-disclosures to ensure all of your information remains secure and confidential.

Our work with a diverse client base of families, family offices and select institutions affords us an opportunity to understand techniques, solutions and best practices that work.  These successes are captured and institutionalized, so that all of our clients can benefit from these accomplishments.

Senior leadership has some client advisory responsibilities. This results in connected and informed leadership decisions based on hands on experience with our clients.

Process

• Standard Process +
• Affluent Families +
• Executives, Professionals & Entrepreneurs +
• Sports & Entertainment +
• Sudden wealth +
• Second Opinion +
• Do I really need the services of Unfold Consultancy?

The standard process to a built relationships with our clients has three phases:

Phase 1- Discovery meeting – Understanding your family’s whole picture

• Family history
• Values
• Sources & Uses of Income
• Roles and Participation
• Decision-making
• Holdings & Structures
• Structures & Wealth Transfer Plan

Phase 2- Strategy -Creating your family’s plan

• Alignment of Investment Portfolio with Family Goals
• Evaluate Risk
• Work with your lawyers, accountants and advisors to develop strategies to tax & estate planning
• Engage Family Members in Key Roles
• Create Family Governance Structures
• Enhance Financial Literacy

Phase 3– Execution

• After you’ve understood and approved, we’ll implement any strategic changes and begin serving you as a full family office—caring for your affairs, securing your insurance, managing your entities, assets, and investments, planning for your retirement, and offering vigilant stewardship
• Consolidate Reporting, Cash Flow, Reporting, Review and Reconcile Transactions
• Periodic review of family plan
• We’ll go a step further by ensuring your children are prepared for the future. Surveys of the affluent reveal that four out of five wealth creators feel the next generation isn’t responsible enough to handle their inheritance. We work directly with your family members to instill sustainable financial practices and behavior.

Affluent Families
Growing and preserving your legacy across generations.
As the custodian of your family’s legacy, you want to ensure that your wealth is preserved through generations.     It’s a challenge almost all high-net-worth (HNW) families face: 70% squander their estate by the second generation, and 90% by the third. Managing your financial affairs isn’t just scorekeeping—it’s about cementing your legacy for lifetimes to come. We help families like yours organize, preserve, and protect your finances across generations.

Executives, Professionals & Entrepreneurs

We work with Executives, professionals, and Entrepreneurs to protect wealth, free up time and foster peace of mind.

You’ve worked hard to get where you are—and now that you’re here, your time is more precious than ever. As a business owner or professional or an executive, you trade your time for money and money for time.

While you trust hired professionals to keep your business in good order, you still find yourself mired in minutiae to manage your personal finances. You’ve hired a CFO to handle your company’s finances—why not have someone look after your own?
That’s where Unfold consultancy comes in. We save you time and simplify your financial life at home. We act like personal CFO.

As your personal CFO, we’ll provide leadership and strategic oversight for your affairs. Coordinating with your accountant, legal counsel, and others, we’ll provide stewardship and manage every part of your personal finances.

Sports & Entertainment
Preserving your capital and lifestyle for years beyond your career.

When you land a big check, it can seem like the money is endless—it isn’t..

It’s sad but true, that many involved in the sports and entertainment world lose everything after their careers are over. Lots of players and actors face bankruptcy or financial hardships just two years after they retire. Massive financial resources can be wiped out in a few years—but it doesn’t have to be. PersonalCFO helps you visualize the reality of your finances—after taxes and spending—so you know what you can afford and how to move forward.

We understand the temptation to spend money on luxurious purchases, friends and family, and a lavish lifestyle. That may be attainable, but going too fast typically gets you burned. We encourage you to stop and plan—pausing before making any major purchases or investments. During this time, we’ll work with you and your team to develop an in-depth strategy for years to come. You’ll see the major milestones ahead of you, prepare for different possibilities, and make informed decisions that will help you achieve your goals

Anyone can burn through big money, but only a few stars succeed at creating and executing a financial strategy that lasts a lifetime and beyond.

PersonalCFO helps you get there. We’ll competently guide you in pausing, planning, and preserving your capital—so you’ll stay standing tall.

Once you’re confident and approve your financial plan, we’ll start executing the plan. Our goal is to minimize your taxes, manage your risks, and provide you and your family with a transparent solution for today and tomorrow.

We will also manage your balance sheet and cash flow. Our goal is to simplify your life; no task is too big or too small for us. We’re here to serve as your financial guide, advocate, and administrator on your exciting journey into a world of new affluence and as a companion of life.

Sudden wealth
Ensuring your newfound affluence enriches your life for a lifetime, not just a few years.

A sudden influx of financial resources, also known as a liquidity event, can be both a blessing and a curse. Whether you’ve inherited a huge sum, sold a business, signed a lucrative contract, or received a major settlement, new wealth can upend your life—and leave you as quickly as it came.

Up to 70% of people who come into sudden wealth lose it all within a few short years.

We encourage you to pause and plan first, teaching you how to spend responsibly while setting up structures and roadmaps to help you sustain your wealth for a lifetime.

When you suddenly receive a huge sum of money, you’ll feel the urge to spend it right away: changing your lifestyle, making big purchases, doling out generous gifts to friends and family. For your own sake, we’ll advise you to stop and think—in fact, we recommend a six-month moratorium on any major moves, as impulsive decisions are an easy way to lose financial control.

While you pause, we’ll help you develop a detailed plan and teach you the fundamentals of responsible habits. By mapping out life events and any future influxes, you’ll gain peace of mind in knowing your money is safe and secure.

Second Opinion
Get an unbiased Second Opinion of all your finances. If we can’t help you to save and get returns of 4x our fee, you pay nothing.

For families that want to start by getting a second opinion, we offer an unbiased second opinion that aims to uncover savings and income worth at least 4x our fee or your money back Most high-net-worth individuals and families know their investments, tax returns, and estate plans aren’t perfect—but they’re often shocked to learn how much can be improved

For a one-time fee, we’ll review the entirety of your finances in detail—uncovering waste, revealing the costs you don’t see, and ensuring your plans properly align with your wishes. We’ll go over everything with a fine-toothed comb, aiming to reduce your, increase your performance, improve your tax efficiencies, and provide an effective estate strategy.

You deserve to understand the reality of your finances: we’ll walk you through everything we find and show how your performance compares.

If your portfolios and plans are largely in good order, we’ll provide a clean bill of health—if not, we’ll recommend appropriate solutions to rectify your situation.