Jay Young

Jay Young founded 12 Stones Capital Partners with a clear conviction: the traditional wealth management model is broken for the people who need it most. Executives with complex compensation, founders building and exiting businesses, and multi-generational families managing legacy — these clients don't need another portfolio manager. They need a strategic financial quarterback.

Before founding 12 Stones, Jay spent years observing the disconnect between what high-net-worth clients actually need and what the industry delivers. CPAs file returns. Attorneys draft documents. Investment advisors manage portfolios. Nobody coordinates the three. The result is fragmented advice, missed opportunities, and financial decisions made in silos.

12 Stones was built to solve that problem. The firm operates as a fractional family CFO — integrating cashflow management, behavioral finance coaching, tax alignment, and strategic advisory into one coordinated strategy. Every client gets a quarterly operating rhythm, not an annual review. Every advisor on the client's team is connected through one strategic leader.

Jay's approach is rooted in the belief that financial stewardship is about alignment — aligning a client's business decisions with their personal wealth, their tax strategy with their investment approach, and their current cashflow with their long-term legacy. The goal isn't to manage money. It's to serve as the CFO of the client's complete financial life.