Who is the Age Five Family Office™ for?
We do our best work for high-income W-2 families with young children. If you see yourself in these stories, we may be a great fit.
(These are hypothetical scenarios and do not involve any actual Bright Advisers clients)
Emily, 35, is a marketing executive at Gilead, while Mark, 37, is a software engineer at Apple. Together they earn $1.4M, mostly in base salary and RSUs. They have two children under 7 and a net worth of about $3.5M — most of it concentrated in company stock. Nobody was managing all of it together, and traditional family offices require $50M or more. They entered the Age Five Family Office through the Family Wealth Blueprint.
The challenge
Emily and Mark were overpaying taxes by not coordinating their RSU vesting with Roth conversions and charitable giving. Over 70% of their net worth was in two stocks. They had no estate plan, no guardianship designations, and no system for documenting financial decisions for their kids. They needed a family office — but didn’t qualify for one.
The results
✓ Coordinated RSU liquidation strategy designed to reduce tax liability over multiple years
✓ Diversified from 70% single-stock concentration to a tax-efficient portfolio
✓ Created estate plan with guardianship, trusts, and 529 funding strategy
✓ Built their FamilyKnowledge Library with Decision Memos documenting every major choice
Case clients: Emily & Mark
Age: 35 and 37
Occupation: Marketing executive & software engineer
Main goal: Coordinated tax, investment, and family governance
Emily & Mark
Jay, 47, is a product engineer at Amazon, while Emma, 44, is a program manager at Meta; they are a loving couple with two children.
The challenge
Jay and Emma have reached a point in their lives where they desire to reduce their financial anxiety. They seek guidance to allocate resources effectively, save for retirement, and meet educational needs for their children without sacrificing their own long-term goals.
The results
With Bright Advisers’ support, Jay and Emma created a sound financial strategy which achieved the following:
- Optimized tax planning
- Evaluated education savings options
- Developed a customized retirement plan
- Diversified their portfolio to balance growth and risk.
- Documented their plan in a FamilyKnowledge® Library their children can read one day.
Case clients: Jay & Emma
Age: 47 and 44
Occupation: Product engineer and program manager
Main goal: Reduce financial anxiety and allocate their resources effectively
Jay & Emma
Case clients: Allison & Brian
Age: 49 and 51
Occupation: Sales representative & dental practice owner
Main goal: Maximize their financial potential with proper tax planning
Allison & Brian
Allison, 49, is a successful medical device sales representative, while Brian, 51, owns a dental practice. Together they are raising two children. As highly compensated professionals, they have been earning substantial incomes. However, they are unaware that they’ve been losing money due to a lack of proper tax planning. They are seeking guidance to maximize their financial potential and leverage tax planning as a significant benefit.
The challenge
Despite their impressive incomes, Allison and Brian are not fully aware of the financial opportunities they’ve been missing out on due to inadequate tax planning. They are concerned about their overall financial well-being and want to optimize their financial situation. They understand that tax planning is crucial in minimizing tax liabilities and increasing their wealth accumulation potential. They are seeking professional assistance to navigate the complexities of tax planning and ensure they are making the most of their financial resources.
The results
Through their collaboration with Bright Advisers, Allison and Brian achieved the following:
- Optimized their tax situation
- Secured their children’s future through education funding
- Gained the ability to retire sooner
- Evaluated whether to buy a rental property and modeled the tax and cash-flow trade-offs before deciding
- Captured their tax decisions in a FamilyKnowledge® Library, written for their children to read at 18
This case study is hypothetical. These are fictional personas and do not represent actual clients of Bright Advisers. The scenarios described reflect actual service offerings but do not promise specific financial outcomes.