A clear path from complexity to confidence.
How Michelle works, the principles behind every recommendation, and exactly what it costs. Fee-only, fully coordinated, and built for people who would rather delegate the details than carry them.
Three commitments behind every recommendation.
A portfolio is not a plan.
Strong returns alone don't mean your wealth is protected or coordinated. Tax, investments, income, estate, business, and real estate are treated as one conversation, so every decision supports the whole.
Planning starts now, not later.
The most powerful compounding, including tax compounding, happens early. Every year without a coordinated plan is a missed conversion window, a missed contribution, a missed bracket. We plan while the windows are open.
Built for people who delegate.
You run the business, the career, the family. Michelle implements, monitors, and adjusts the plan while you stay informed and in control of the decisions, without carrying the day-to-day.
Fee-only, fiduciary, always.
Paid only by clients, never commissions or product sales, and legally bound to act in your best interest.
Wealth that makes work optional.
Retirement isn't an age. It's work-optionality: the freedom to live life on your terms, working because you want to, not because you have to.
What stands between a high income and that freedom is a handful of quiet risks that erode wealth over time. None of them announces itself, and no single product answers them. Integrated advice exists to close them as one strategy.
That includes the risk that outlives you: an estimated 70% of family wealth is lost by the second generation, so we plan the handoff with the same care as the climb.
The true value of wealth is the life it makes possible.
That's why Michelle personally works through every decision with you, turning your success into an abundant, purposeful life for you and the people you care for.
Comprehensive Discovery
A thorough intake to understand your current financial life: income, taxes, business interests, real estate, estate plan, and what matters most. A complete picture, before any recommendations.
Personalized Wealth Strategy
A coordinated, tax-smart plan designed specifically for you, connecting every piece of your financial life into one cohesive direction that moves with intention.
Ongoing Stewardship
We implement, monitor, and evolve the plan as your life changes: year-end tax planning, adjustments, transitions, and long-term stewardship built on trust.
Quarterly sessions.
We'll meet every quarter to review what's changed and adjust proactively, so you stay well-protected no matter what comes next.
Simple & Transparent Fee Structure
Investably is a fee-only fiduciary: paid by clients, never by commissions or products. You pay for expertise and time, not market outcomes no one can control.
Wealth strategy & planning
$750 / month
$9,000 per year · every household
The ongoing planning relationship: strategy, access, coordination, and the thinking that happens between meetings. This fee never changes with your portfolio balance or the market's mood.
- Comprehensive financial planning
- Tax coordination alongside your CPA
- Estate & business guidance alongside your attorney
- Retirement income planning
- Ongoing access to Michelle
Investment management
0.50% / year
on managed assets · billed monthly, deducted from managed accounts
Active stewardship of your portfolio, not passive custody. Every rebalancing decision and tax-loss harvest is made through the lens of your full financial picture.
- Asset allocation and investment selection
- Rebalancing as markets and your life change
- Asset location and tax-loss harvesting
- Performance monitoring and ongoing oversight
For business founders · add-on
+$850 / month
$10,000 per year · billed to your entity
Business owners face decisions individuals don't: entity structure, key-person risk, succession, and an exit that may be the largest financial event of their life. This layer runs alongside the core relationship and is designed specifically for those decisions.
Consult your tax advisor about the deductibility of business advisory fees.
- Exit planning, coordinated with your legal and M&A team
- Succession strategy designed around your timeline
- Retirement plan design for your entity and key employees
- Entity structure coordination
- Buy-sell agreement review alongside your attorney
- Key-person risk protection assessment
- Monthly founder advisory call
For families with $10M+ or multi-entity complexity (personal accounts, trusts, businesses, real estate), custom integrated oversight pricing is available. Let's talk →
Both fees are billed monthly. Investably is a registered investment advisor and fiduciary, legally required to act in your interest.
The first generation of wealth starts with someone like you.
No inherited playbook or family advisor on speed dial. Just years of hard work that built something worth protecting, and a family counting on you to get it right.
Your business is the engine of your family's wealth. We weave entity, exit, and succession into one coordinated plan, so your success becomes sustainable family wealth.
Learn moreThe first real income in the family comes with taxes, equity, and choices nobody taught you. We help you turn strong earning into sustainable, purposeful wealth.
Learn moreDivorce, widowhood, inheritance, a business sale. For two decades, Michelle has guided women through these moments with clarity, confidence, and care.
Learn moreAfter decades of building, the question changes: can I actually afford to stop? We turn what you've built into reliable income and a confident yes.
Learn more
Questions about working together.
The fee and fit questions people ask before they reach out. If yours isn't here, it makes a great first message.
Why a flat planning fee instead of a percentage of assets?
Because your need for strategy doesn't shrink when markets decline, and it shouldn't cost more when they rise. The flat fee covers expertise, access, and coordination; the investment management fee covers portfolio stewardship. Keeping them separate keeps it clear what you're paying for, and why.
What if I have high income but limited investable assets?
That's often where planning has the most leverage: tax coordination, equity compensation, cash flow structure, protection gaps. The flat fee covers a full planning relationship regardless of portfolio size.
How does 0.50% compare to other advisors?
The industry-standard fee is typically 1.00%–1.25% of assets per year. At 0.50%, ours is materially below that. Even combined with the flat planning fee, total cost is typically lower than a single percentage-only advisor once assets are meaningful.
How are the fees billed?
Both fees are billed monthly: the planning fee to your household, and the investment management fee at roughly 0.0417% per month, deducted directly from managed accounts. Nothing is commission-based, ever.
Is the founder add-on tax deductible?
It's billed to your operating entity as a business advisory and planning expense. Whether it qualifies as deductible depends on your specific situation. That's a question for your tax professional, and we coordinate with them directly.
Is there a minimum to work with Investably?
There's no formal asset minimum. Our work is most valuable for families with $500K+ in investable assets, or high earners whose planning complexity warrants a dedicated advisory relationship. A 20-minute conversation is the honest way to find out.
Wealth with intention starts with a conversation.
Bring your questions, challenges, and goals. We'll listen and provide insight on what your options are for moving forward.