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How the Age Five Family Office™ works

We start with your values, not a tax or investment strategy. From there, one team handles everything — and every major decision is written down for your family.

We start with what matters most.

Wealth preservation is an education problem. Most families pass down money without the thinking behind it. That’s why we document your decisions, so your children can learn from them.

 

Values

Strategy

Documentation

Wise decisions and measurable results

Our proven process achieves the results you need.

20in10TM Education — 20+ years of expertise delivered through 10 focused sessions, built to teach you enough to make confident decisions about your wealth. Your tax strategy is created last, so it serves your family and investments instead of reaching for tax savings that cost more over time.

PHASE 1

Family Governance

  • Values
  • Vision
  • Goals
PHASE 2​

Investment Infrastructure

  • Investment philosophy
  • Portfolio design
  • Risk management
PHASE 3​

Tax Strategy​

  • Tax diagnostic
  • Multi-year planning
  • Implementation

Age Five Family Office is more than wealth management.

Your advisors, CPAs, and specialists. Seven areas of coordination. One team that knows your family.

  • Family values and vision alignment
  • FamilyKnowledge® Library documentation
  • Age Five Wealth Education plan for children
  • Quarterly family governance meetings
  • Decision Memos for every major choice
  • Concentrated stock hedging and diversification
  • Individually constructed portfolio across all accounts
  • Tax-efficient asset location
  • 529 education funding plan
  • Insurance planning
  • RSU and equity compensation tax planning
  • Multi-year tax projections by our CPAs
  • Roth conversion strategies
  • Coordinated tax-loss harvesting
  • Tax preparation, filing, and prior year audit
  • Guardianship designations
  • Estate plan review and updates
  • Trust drafting and funding
  • Beneficiary designations and review
  • Generational wealth transfer strategies
  • Mega Backdoor Roth and Backdoor Roth IRA
  • Deferred compensation planning
  • 401k and HSA optimization
  • Open enrollment and benefits coordination
  • Retirement income projections
  • Family giving philosophy
  • Charitable giving strategies
  • Donor advised funds
  • Tax-efficient giving coordination
  • Family service and stewardship education
  • Cash flow and distributions
  • Entity structure and formation
  • Continuation planning
  • Exit and succession strategies
  • Key employee compensation

We'll make sure your wealth plan adapts to your life.

Bright Advisers lets you focus on your family while your advisor takes care of the planning. Our quarterly focus map shows the key conversations your advisor will walk through with you across the year.

Q1 Q2 Q3 Q4 Values Vision Goals Budget & cash flow Wealth plan update Investment strategy Performance Dividends & distributions Real estate Business plan Insurance review Asset protection Estate planning Family governance Tax preparation Tax planning & projections Year-end tax prep Year-end giving

Most families wait too long.

The tax bill surprises them. The kids ask questions nobody prepared them to answer. By the time they look for help, years of compounding decisions have gone undocumented. The families who start early build something their children can actually learn from.

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Unbiased, human-centered advice.

Most traditional firms only get paid when you move your investments to their firm, which results in a conflict of interest. We believe the best way to deliver unbiased advice is to charge separate fees — one for planning and one for wealth management.

FAMILY

$1,000

per month

  • Age Five Wealth Education
  • FamilyKnowledge® Library stewardship
  • Annual optimization cycle
  • Quarterly stewardship meetings
  • Tax planning and management
  • Tax return analysis and filing
  • Investment planning
  • Estate and risk management
  • Family governance planning
  • Access to insurance, legal, and tax specialists
FAMILY OFFICE

Custom

Contact us for pricing

  • Family Wealth Blueprint
  • FamilyKnowledge® Library setup
  • Coordination for multi-generational wealth planning and complex family goals

Bright Advisers wealth management.

No platform fees. No trading fees. No commissions.

See how fees impact your wealth

We custom-build your portfolio using our liability-driven methodology.

We know that every client’s vision for how they want to live is unique. Therefore, every client’s ability to take risks (optimal risk loading) and investment portfolio should be unique.

Bright Advisers uses your unique cash flow needs (liabilities) to build you a personalized investment portfolio that is designed to help you achieve your wealth plan.

As you update your wealth plan or as unexpected life events happen, your investment strategy is dynamically adjusted to align with your wealth plan.

What families want to know.

We coordinate your family wealth — tax, investment, education, retirement, estate, governance, philanthropy, and business planning — through one team. Every major decision is documented in your FamilyKnowledge® Library so your children can read how you thought about money when they turn 18. That’s something you won’t find at a traditional advisory firm.

No. Traditional family offices require $50 million or more. We built the Age Five Family Office to bring that same level of coordination to high-income W-2 families with young children, starting at $1,000 per month.

It’s a written record of your family’s most important financial decisions — why you made them, what values guided them, and what you’d want your children to understand. The library grows as your family makes decisions, and compounds over time into the judgment your children inherit.

It’s yours. You can export your full library at any time. We’ll never hold your family’s story hostage. The real question is: who will keep building it with you over the next 10 to 15 years? Our whole model is built around capturing your decisions, updating them as life changes, and making sure your kids can actually read the story at 18.

No. Our planning fee is separate from wealth management. You can work with us on planning alone, or we can manage your portfolio as well. Many families choose both because it allows us to coordinate tax and investment decisions together.

When your CPA and your planner don’t talk to each other, decisions fall through the cracks. We put advisors, CPAs, and specialists on one team so your tax strategy, investment plan, and estate plan are coordinated — and the key decisions from each one are captured in your FamilyKnowledge® Library. One team coordinates it all. One team sees the full picture, so important tax and estate details don’t get scattered across emails and portals.

Cambridge research shows children form their core money habits by age seven. At age five, they’re already watching how you handle decisions. Age Five Wealth Education is our process for documenting your family’s financial thinking so your children grow up with the knowledge — not just the money.

Our Family tier is $1,000 per month. That includes tax planning and filing, investment planning, quarterly stewardship meetings, Age Five Wealth Education, and ongoing FamilyKnowledge® Library documentation. Wealth management is a separate fee of 0.80% on invested assets. No commissions, no hidden fees, no platform costs.

The first eight weeks typically take about five to seven hours total across meetings and reviewing materials. After that, we meet four times a year. Our team handles the coordination, the tax work, and the documentation between meetings. Your job is to show up and make decisions.