Tax planning. Legal coordination. Cashflow architecture. Investment management. Risk and estate. We bring your entire professional team together and handle the complexity — so you don't have to.
Your CPA, attorney, and investment advisor don't coordinate
Tax decisions are reactive — made in April, not January
Cashflow is fragmented across W-2, K-1, RSU, and distributions
No behavioral framework for high-stakes financial decisions
You're paying generic advisory fees for broad-based index funds anyone can buy
Business and personal wealth are planned in separate silos
Not product categories. Five disciplines that define how a strategic financial advisor thinks, coordinates, and delivers results.
One Team. One Strategy.
Your CPA, attorney, insurance advisor, and investment team should operate as one unit — not five disconnected vendors. We quarterback the entire advisory ecosystem so every professional in your life is working from the same playbook, toward the same outcomes. Integration starts with coordination.
Proactive, Not Reactive
Tax strategy should drive investment decisions — not follow them. We build multi-year tax projections that connect your CPA, your attorney, and your portfolio strategy. Decisions are made in December, not April.
Decision Frameworks Before the Crisis
The biggest threat to your wealth isn't the market — it's your reaction to the market. We build decision frameworks before the crisis arrives. Volatility protocols. Exit decision trees. Spending guardrails. Strategic coaching happens in quarterly sessions — not after the damage is done.
Income Under Management
We build a total cashflow architecture — business and personal, current and projected. Every inflow, outflow, and allocation decision is coordinated so you know where your money is, where it's going, and whether your lifestyle is sustainable at the pace you're building.
Built on Trust, Not Transactions
We don't sell products — we build long-term partnerships. Our fee-based planning model means we earn for advice, coordination, and strategic oversight. When investment management is part of the plan, our AUM fees are additive — giving you access to sophisticated, purpose-driven portfolios at a fairer cost than paying generic fees for broad-based index funds and ETFs anyone can buy.
Cash flow design, capital allocation, retirement modeling, risk framework, and planning cadence.
Purpose-driven allocation with sophisticated strategies — not generic index funds. Tax-aware construction, ongoing rebalancing, and quarterly reviews. Your investments managed with the same rigor we bring to every dimension of your plan.
Equity compensation strategy, Roth conversions, charitable structuring, and entity review.
Trust reviews, beneficiary audits, gifting strategies, and multi-generational continuity. Because your legacy extends beyond your lifetime.
Life and disability, long-term care, guaranteed income, and liability protection.
Family meetings, next-gen education, decision frameworks, and values documentation — preparing the next generation to be engaged participants, not just beneficiaries.
Centralized vault, advisor hub, emergency protocols, and annual audits.
Automated cashflow architecture that tracks every inflow and outflow — then directs excess cash toward debt reduction, investment, reserves, or giving based on your priorities and goals.
You stop being your own project manager — we handle the coordination
Your CPA, attorney, and insurance advisor work from the same playbook
Tax decisions are made proactively — in January, not April
Your cashflow is mapped, managed, and excess capital is put to work
You have a team that reaches out before you have to ask
Quarterly check-ins keep everything on track — not just an annual review
You get back to running your business and being with your family
If you're tired of managing your own financial team, let's have a conversation about what it looks like when someone else handles the complexity for you.
Start a Conversation*Tax planning services are provided in coordination with your CPA or tax professional. 12 Stones Capital Partners does not provide tax preparation or filing services. **Estate planning coordination is provided in partnership with your estate attorney. We do not provide legal advice or draft legal documents. All investment strategies involve risk, including potential loss of principal.