What We Do

Financial Planning | Investment Management | Tax Strategy

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An Integrated Approach

Financial Planning

We start with your perfect day, then build out the financial plan to support it. Your life is dynamic—your plan should be, too.

• Cash flow planning and savings strategy
• Equity compensation management (ISOs, NQSOs, RSUs, ESPPs, 83(b) elections, etc.)
• Retirement and work optionality planning
• Personal home and investment real estate decisions
• K-12 and higher education funding
• Charitable giving and Donor-Advised Fund creation
• Generational wealth building and gifting
• Estate planning and trust management
• Life and disability insurance planning

Investment Management

Our job is not to predict markets, but to build a customized allocation that works through them. We don’t speculate, but rather focus on what we can control and invest with humility, evidence, and intention.

• Globally diversified, low fee, and low turnover portfolios
• Concentrated position management
• Tax-aware rebalancing, loss harvesting, and asset location
• Transparent portfolio and performance reporting
• Education-forward approach to communicating the behavior of markets and range of expected outcomes

Tax Strategy

Taxes aren’t a once-a-year event: they’re a year-round opportunity. We take a strategic, forward-looking approach to help you minimize your lifetime tax burden.

• Tax-efficient investment vehicles
• Tax projections (federal, state, FICA) and analysis
• Capital gains strategy and loss harvesting
• Pre-tax versus Roth analysis and Roth conversions
• Asset location and withdrawal strategies
• Business entity and real estate tax opportunities
• Coordination with your accounting/CPA team

Meet With Us
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Our Service Offerings

Ongoing Comprehensive (Full-Scale Offering)

  • You want to take full advantage of Peltoma’s high-touch, comprehensive offering of financial planning, investment management, and tax strategy. You are seeking a thought partner to help manage tradeoffs across all money matters, and serve as a true outsourced CFO for your family. Over 90% of our firm’s clients are on this model.

  • To serve dynamic needs of clients, our firm offers flat annual planning fee of $8,000, $12,000, or $18,000, depending on overall complexity, which covers the full scope of our financial planning relationship. This flat fee includes up to $1 million in managed assets.

    For assets above $1 million, there is an additional discounted, tiered AUM (investment management) fee. This applies only to assets above $1 million, starting at 0.50% and declining at higher asset levels.

    We do not have an asset minimum.

    We provide a fee quote at the end of the second exploratory meeting, which considers your specific situation and overall complexity involved. Fees are billed quarterly, directly from a client’s managed taxable account.

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Investment Management-Only & Institutional

  • You do not need nor desire traditional planning work, and simply wish to have an investment portfolio managed expertly. Services involve cash management, asset allocation and investment selection, concentrated position management, rebalancing, and investment-specific tax strategy such as loss harvesting, asset location, and tax-efficient funds.

  • Percentage of Assets Under Management (AUM), starting at 0.50% for the first $10,000,000, then 0.25% for assets above $10,000,000.

    Institutional cash management starts at 0.3% for the first $10,000,000.

    There is an $8,000 annual fee minimum for these services.

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Hourly Consulting & Project-Based Work

  • You are seeking expert guidance on investments or financial planning topics, but do not necessarily have the need or desire for ongoing execution and support.

  • Starting at $500/hour, negotiable.

The Exploratory Process

We are happy to offer 30 minutes of our time to anyone who is exploring hiring a firm like ours. No products. No sales pitch. Just a conversation.

We’ll spend this time getting to know each other—your values, goals, and questions—and exploring whether we’re the right fit to help. It’s a chance for you to learn more about how we work, and for us to understand what’s most important to you.

Oftentimes these conversations focus on just three questions:

  1. What’s happening in your life that has led us to this exploratory conversation?

  2. Can you tell me about you and your family, your vision for your life, and what you find most nourishing?

  3. What questions do you have for us?

30-Minute Exploratory Meeting

If both parties agree there is a mutual fit after the first conversation, we generally offer a more in-depth review of your financial situation.

We’ll collect a series of financial documents and statements from you, organize them, and share takeaways from a first-draft financial plan built around your real-life situation. This session gives you a clear sense of our approach—how we think, what we prioritize, and where we see opportunities to add value.

Whether you move forward or not, you’ll leave with our best insights.

90-Minute Financial Plan Review

Typical Annual Client Experience

  • Q1

    Annual Planning Meetings

    Review previous year, share updates, and co-create action plan for the year ahead.

    -Portfolio snapshot & review
    -Update financial plans
    -Cash flow planning
    -Account contribution & gifting planning
    -Complete 529 contributions
    -Insurance & estate audit

  • Q2

    Focus on Tax, Insurance, & Estate Planning

    -Tax return review + coordination with CPA
    -Estate planning document and beneficiary audit + coordination with estate attorneys
    -Insurance planning actions
    -Backdoor Roth IRAs
    -Complete rollovers (IRA, 401K, 529, etc.)

  • Q3

    Mid-Year Reviews

    Revisit portfolio and financial plan via personalized 15-minute video overview. Optional live meetings offered.

    -Review portfolio snapshot, performance, & YTD tax losses harvested
    -Audit financial planning action items

  • Q4

    Year-End Planning

    Final revisit of planned actions for the year. Certain tax-related items must wait until Q4, when we have the utmost clarity on a client’s income.

    -Rollovers (Continued)
    -Account contributions audit
    -Gifting/Charitable giving/DAF audit
    -Self-employed plan contributions
    -RMDs & inherited account withdrawals
    -Roth conversions & gain harvesting

Client Case Studies

  • Background:

    • Age: Mid 30s

    • Compensation: W2 plus equity comp (RSUs + options + ESPP)

    • Goals: Buy a second home, manage concentrated stock positions, fund kids’ K-12 private and higher education, and reduce tax drag

    Our Suggested Roadmap:

    • Build a multi-year stock diversification plan including options strategy to strategically reduce risk while keeping tax burden low

    • Model real estate options, including financing analysis of mortgage + short box spreads, plus cash flow/tax impact

    • Create an education savings plan via Utah 529 with multi-generational flexibility

    • Optimize equity sales with AMT and capital gains strategy

    • Integrate tax prep and quarterly estimated payments with CPA

  • Background:

    • Age: Mid 50s

    • Sold business for 7-figures

    • Charitably inclined, risk-averse, and deeply tax sensitive

    • Wants to preserve capital, give back meaningfully, and avoid lifestyle bloat

    Suggested Roadmap:

    • Create a donor-advised fund to front-load charitable giving while taking advantage of max tax deduction

    • Design a low-volatility, tax-efficient portfolio to preserve capital and generate sustainable income to support lifestyle needs

    • Model a conservative withdrawal strategy alongside long-term gifting and legacy planning

    • Leverage complimentary digital estate planning service to create new trust and estate documents

    • Serve as sounding board for ongoing angel investing opportunities, providing guidance on tradeoffs inherent to decision

  • Background:

    • Late 30s couple with two young children

    • High-earning professionals in healthcare and tech

    • Prioritized travel, time with children, and "mini-retirement" now—not in 60s!

    • Considering stepping back from full-time work for 1–2 years

    Suggested Roadmap:

    • Model multiple sabbatical timelines, stress-testing impact on long-term retirement and college funding goals

    • Identify opportunity to exercise stock options before sabbatical, minimizing AMT exposure

    • Shift cash flow and investment allocation to support a "work-optional" lifestyle

    • Build plan for capital gains harvesting & Roth conversions during lower income years

    • Help family articulate values and define success beyond W2 income

Contact us

Interested in working together? Let’s chat over a video Zoom conversation to learn more about how we may help.

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