Dec. 9, 2025
136: Have $1M-$30M? You Need a Micro Family Office
Crossing the $1 million net-worth mark should feel like leveling up—but for most high earners, it’s the moment when traditional wealth management stops working. Advisors keep offering the same 60/40 portfolio they give to someone with $200K, while you’re navigating concentrated stock positions, complex tax situations, and investment opportunities completely outside their playbook. This is the financial services desert—and this video breaks down the Micro Family Office framework built to solve it.
In 14 minutes, you’ll learn why individuals with $1–$30 million are underserved by the entire financial industry and how the ultra-wealthy have quietly outperformed the market using a structure you can adopt at your scale.
Here’s what you’ll learn:
• Why traditional wealth management fails once you cross $1M
Advisors use standardized models that ignore concentrated equity, liquidity events, tax opportunities, and alternative investments.
• The origins of the family office model—from the 6th century to Rockefeller
How family offices became the most effective wealth-preservation system in history, now managing over $10 trillion globally.
• Why people with $1–$30M fall into “no man’s land”
Too wealthy for personal finance advice, not wealthy enough for a $100M+ Single Family Office.
• What a Micro Family Office is—and why it changes everything
A streamlined, systematic framework that gives you the strategic advantages of a family office without the overhead.
• The WealthOps Framework: Architect → Build → Run
A step-by-step operating system for designing, structuring, and managing your wealth like a business.
• The 7 Core Components of a Micro Family Office
Vision & Strategy
Portfolio Structure
Legal & Tax Protection
Operational Processes
Performance & Data
Team & Advisors
Executive Governance
• How this model creates clarity, control, tax efficiency, and better returns
You’ll see how high earners are transforming scattered spreadsheets into a professional-grade wealth management system.
• Real-world results from applying this framework
Diversification, income generation, improved tax planning, and a shift from reactive investing to strategic leadership.
• Why a Micro Family Office outperforms traditional advisors
Customization, holistic scope, strategic control, alternative investment evaluation, and a CEO-level approach to personal wealth.
If you're ready to learn how high-earning professionals operate their portfolios with the same discipline they use in their careers—and why this approach is rapidly replacing traditional advisory models—this video is your roadmap.
Watch until the end to see how the Micro Family Office transforms your wealth from scattered accounts into a unified, high-performance wealth engine.
Transcript
WEBVTT
00:00.031 --> 00:03.998
[SPEAKER_00]: Here's what nobody tells you about crossing $1 million in net worth.
00:04.358 --> 00:07.283
[SPEAKER_00]: Traditional wealth management completely breaks down.
00:07.563 --> 00:14.194
[SPEAKER_00]: Your financial advisor is still using the same playbook they give to somebody with $200,000 net worth.
00:14.475 --> 00:23.710
[SPEAKER_00]: Meanwhile, you're dealing with concentrated stock positions, complex tax situations, and investment opportunities they've never even heard of.
00:23.690 --> 00:26.914
[SPEAKER_00]: You're stuck in what I call the Financial Service Desert.
00:27.135 --> 00:33.103
[SPEAKER_00]: In this video, I'm breaking down the microfamily office framework that finally solves this problem.
00:33.123 --> 00:43.858
[SPEAKER_00]: My name is Christopher Nelson and I want to tell you about the moment I discovered this service desert firsthand and how it led me to creating my own microfamily office.
00:43.838 --> 00:56.976
[SPEAKER_00]: During my first IPO, I thought I was going to walk away with $1.5 million dollars, but in five minutes, five minutes that jumped to $3.3 million watching it live on the NASDAQ screen.
00:57.276 --> 01:03.785
[SPEAKER_00]: After this, I started meeting with the big wealth management firms, and every single one came back with the same pitch.
01:04.045 --> 01:12.917
[SPEAKER_00]: Here's our moderate growth portfolio, 60% in stocks, 40% in bonds,
01:12.897 --> 01:15.381
[SPEAKER_00]: I was already outperforming that on my own.
01:15.421 --> 01:16.603
[SPEAKER_00]: Here's the problem.
01:17.124 --> 01:20.910
[SPEAKER_00]: If you have under a million dollars, personal finance advice works.
01:21.430 --> 01:23.854
[SPEAKER_00]: Budget save, match your 401k.
01:24.215 --> 01:30.685
[SPEAKER_00]: And if you have over a 30 million dollars, you can afford a multi-family office with a full team of specialists.
01:30.705 --> 01:33.910
[SPEAKER_00]: But between $1 million in 30 million dollars net worth,
01:34.362 --> 01:35.584
[SPEAKER_00]: you're in no man's land.
01:35.784 --> 01:43.154
[SPEAKER_00]: You're getting pitched alternative investments and complex tax strategies, but nobody's teaching you how to evaluate them systematically.
01:43.414 --> 01:49.262
[SPEAKER_00]: Traditional advisors want to treat you like every other client, but your problems are different.
01:49.282 --> 01:50.745
[SPEAKER_00]: Your opportunities are different.
01:51.065 --> 01:54.450
[SPEAKER_00]: And their one-size-fits-all approach is costing you money.
01:54.830 --> 01:55.751
[SPEAKER_00]: So what's the answer?
01:55.992 --> 01:58.856
[SPEAKER_00]: Well, the ultra wealthy figured this out decades ago.
01:59.076 --> 02:02.040
[SPEAKER_00]: They don't just have investment portfolios,
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[SPEAKER_00]: They run their wealth like a business.
02:04.362 --> 02:05.823
[SPEAKER_00]: That's what a family office is.
02:06.204 --> 02:13.791
[SPEAKER_00]: It's a private business structure built around a family's wealth to preserve, grow, and manage it across generations.
02:14.091 --> 02:22.258
[SPEAKER_00]: The concept actually dates back to the sixth century, but the modern version emerged in the 1800s during the Industrial Revolution.
02:22.619 --> 02:29.665
[SPEAKER_00]: John D. Rockefeller created what re-recognized as the first true single family office back in 1882.
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[SPEAKER_00]: Today, family offices globally manage over $10 trillion in wealth, which is more than all of the hedge funds combined.
02:37.856 --> 02:42.883
[SPEAKER_00]: In years that kicker, they've been outperforming the S&P 500 over the last decade.
02:43.164 --> 02:44.125
[SPEAKER_00]: But there's a problem.
02:44.626 --> 02:49.813
[SPEAKER_00]: A traditional single-family office requires $100 million in assets,
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[SPEAKER_00]: to justify the $2 million a year in operational costs.
02:53.781 --> 03:04.984
[SPEAKER_00]: In multi-family office, where family share services still requires $30 million in net assets and costs around $300,000 to $1 million annually.
03:04.964 --> 03:09.730
[SPEAKER_00]: That leaves everyone with one to $30 million completely stranded.
03:10.051 --> 03:13.235
[SPEAKER_00]: That's why I built the microfamily office framework.
03:13.255 --> 03:28.255
[SPEAKER_00]: A microfamily office gives you the strategic advantages of how the ultra wealthy managed money, but scale to be efficient, cost effective, and implementable for high earners with one to $30 million in assets.
03:28.235 --> 03:31.660
[SPEAKER_00]: Let me break down how a microfamily office actually works.
03:31.940 --> 03:36.366
[SPEAKER_00]: Instead of hiring a full-time team, you leverage fractional experts.
03:37.168 --> 03:41.754
[SPEAKER_00]: Instead of building everything from scratch, you follow a proven framework.
03:41.774 --> 03:48.864
[SPEAKER_00]: Instead of guessing what to do next, you operate with the same systematic approach that you use in your professional life.
03:49.084 --> 03:57.516
[SPEAKER_00]: The operating system that guides a microfamily office is called the wealth ops framework.
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[SPEAKER_00]: architect, build, and run.
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[SPEAKER_00]: First, there's architect.
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[SPEAKER_00]: This is where you define your strategy before touching any investments.
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[SPEAKER_00]: You create your legacy statement, why you're building wealth in the first place.
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[SPEAKER_00]: You set measurable goals for your portfolio.
04:14.759 --> 04:19.806
[SPEAKER_00]: and you develop your investment thesis based on your risk tolerance and objectives.
04:20.227 --> 04:22.230
[SPEAKER_00]: Most people skip this entirely.
04:22.631 --> 04:28.339
[SPEAKER_00]: They jump straight to what should I buy without ever defining what they're actually building towards.
04:28.739 --> 04:32.405
[SPEAKER_00]: That's why they end up reactive instead of strategic.
04:32.425 --> 04:38.033
[SPEAKER_00]: Skipping this step is why the Vanderbiltz once worth over $200 billion dollars,
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[SPEAKER_00]: have zero inherited millionaires today.
04:40.537 --> 04:47.828
[SPEAKER_00]: While the Rockefellers with similar wealth still collectively managed billions of dollars across seven generations.
04:48.108 --> 04:52.475
[SPEAKER_00]: Setting up this architecture is exactly what we cover in a monthly live workshop.
04:52.635 --> 04:54.638
[SPEAKER_00]: I'm gonna share more information on that at the end.
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[SPEAKER_00]: For now let's move on to the second phase.
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[SPEAKER_00]: Build, now you're creating infrastructure.
04:59.866 --> 05:08.955
[SPEAKER_00]: You set up the right legal structures such as LLC's trust, management entities and holding entities for asset protection and tax efficiency.
05:09.135 --> 05:15.582
[SPEAKER_00]: You identify the key roles you need, for example, a certified tax planner, a state attorney in bookkeeper.
05:15.762 --> 05:23.490
[SPEAKER_00]: You implement the core processes and technology systems that let you operate efficiently without big monthly overhead.
05:23.870 --> 05:26.633
[SPEAKER_00]: This is where most DIY wealth managers get stuck.
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[SPEAKER_00]: They have scattered spreadsheets, disconnected accounts, no unified reporting.
05:31.462 --> 05:35.009
[SPEAKER_00]: The build phase creates the operating system for your wealth.
05:35.289 --> 05:36.371
[SPEAKER_00]: The third is run.
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[SPEAKER_00]: This is the ongoing operations.
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[SPEAKER_00]: You're not managing this daily.
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[SPEAKER_00]: You're operating it like an executive, weekly check ins, monthly financial reviews, quarterly strategy sessions, annual planning cycles.
05:49.917 --> 05:58.251
[SPEAKER_00]: you hire specialists for specific projects rather than keeping them on the payroll and you use technology to automate routine tests.
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[SPEAKER_00]: The goal is strategic oversight, not being in the daily management.
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[SPEAKER_00]: So now here's what makes this powerful.
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[SPEAKER_00]: A microfamily office has seven core components.
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[SPEAKER_00]: Vision and strategy
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[SPEAKER_00]: portfolio structure, legal, and tax protection, operational processes, performance and data, team and advisors, and finally executive governance.
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[SPEAKER_00]: These components are arranged in the specific hierarchy and the order matters because each tier enables the next.
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[SPEAKER_00]: First, we've got the foundation tier.
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[SPEAKER_00]: This is your strategic base.
06:35.175 --> 06:37.057
[SPEAKER_00]: It's made of your vision and strategy.
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[SPEAKER_00]: USEO, plus your partner or family, defining why wealth exists and how it should be managed.
06:44.325 --> 06:47.488
[SPEAKER_00]: This is the education and framework that guides everything.
06:47.649 --> 06:50.031
[SPEAKER_00]: This phase is about purpose and design.
06:50.311 --> 06:56.458
[SPEAKER_00]: Also within the foundation tier is portfolio structure, the actual architecture of your assets.
06:56.438 --> 07:02.052
[SPEAKER_00]: allocation across asset classes, diversification strategy, and evaluation frameworks.
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[SPEAKER_00]: The next level is the operations tier.
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[SPEAKER_00]: This is your execution engine, but remember, you cannot build effective operations without the foundations first.
07:13.060 --> 07:17.228
[SPEAKER_00]: If you don't know your vision, you can't design protection structures.
07:17.789 --> 07:21.716
[SPEAKER_00]: If you don't have a structure, you don't know what processes to implement.
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[SPEAKER_00]: Within the operations tier, we first have legal and tax protection.
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[SPEAKER_00]: This is your two core entities and your fractional teams, such as your certified tax planner and attorneys.
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[SPEAKER_00]: Think of this as your defense layer.
07:35.399 --> 07:37.442
[SPEAKER_00]: Next, we've got operational processes.
07:38.063 --> 07:44.572
[SPEAKER_00]: Here's where we're leveraging predefined standard operating procedures tailored to the needs of a microfamily office.
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[SPEAKER_00]: These are the systems that make everything run smoothly without making it a second full-time job.
07:50.120 --> 07:53.364
[SPEAKER_00]: And lastly, within this tier is performance and data.
07:53.705 --> 07:57.710
[SPEAKER_00]: In our microfamily office, we want things to be straightforward and actionable.
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[SPEAKER_00]: We use simple dashboards like this one.
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[SPEAKER_00]: and routine review cadence.
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[SPEAKER_00]: This is about collecting intelligence that informs decisions and doing it on an ongoing basis.
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[SPEAKER_00]: This is protection, systems, and intelligence all working together.
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[SPEAKER_00]: Now we're at the top of the pyramid, the leverage tier.
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[SPEAKER_00]: First, we've got our team and advisors.
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[SPEAKER_00]: These are the fractional advisors we bring on and pay either per project or on a small monthly retainer.
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[SPEAKER_00]: These are the people who help you execute at a higher level.
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[SPEAKER_00]: true domain experts.
08:31.377 --> 08:42.009
[SPEAKER_00]: In a traditional wealth management approach, your advisor plays the role of CEO of your wealth, and you sit downstream, essentially taking on the role many times, a bookkeeper.
08:42.269 --> 08:52.440
[SPEAKER_00]: But in a micro family of us, you sit at the top as the CEO, leveraging your team's deep knowledge in ensuring everyone is working together, not in silos.
08:52.420 --> 08:57.231
[SPEAKER_00]: And the last component of the top tier is executive governance.
08:57.251 --> 09:06.652
[SPEAKER_00]: This is you as the portfolio CEO running systematic assessments, not random checking what you review falls into two categories.
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[SPEAKER_00]: First, there's investments.
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[SPEAKER_00]: Here's some samples of what you review.
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[SPEAKER_00]: Income performance is your income bucket generating the targeted cash on cash returns.
09:16.366 --> 09:20.150
[SPEAKER_00]: Growth returns are your growth assets hitting the targeted IRR.
09:20.510 --> 09:26.216
[SPEAKER_00]: Capital Preservation is your safety bucket protecting principle and allocation drift.
09:26.236 --> 09:29.380
[SPEAKER_00]: Have your percentages shifted away from target structures.
09:29.960 --> 09:34.105
[SPEAKER_00]: And the second category is business operations.
09:34.085 --> 09:37.070
[SPEAKER_00]: Here's some examples of what you'd review in this category.
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[SPEAKER_00]: Monthly P&L, are you profitable at the portfolio level?
09:41.278 --> 09:42.280
[SPEAKER_00]: Tax efficiency.
09:42.701 --> 09:45.386
[SPEAKER_00]: What's your effective tax rate in how does it trend?
09:45.746 --> 09:46.989
[SPEAKER_00]: Process effectiveness.
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[SPEAKER_00]: Are your workflows running smoothly or breaking down?
09:50.255 --> 09:51.337
[SPEAKER_00]: Cash management.
09:51.898 --> 09:53.781
[SPEAKER_00]: Do you have optimal liquidity?
09:53.761 --> 09:56.225
[SPEAKER_00]: This is not checking your accounts when you remember.
09:56.686 --> 10:02.815
[SPEAKER_00]: This is a scheduled one hour monthly review of specific metrics against documented targets.
10:03.136 --> 10:05.179
[SPEAKER_00]: You're not asking, how am I doing?
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[SPEAKER_00]: You're asking is each component performing its job and where do I need to adjust?
10:11.228 --> 10:16.517
[SPEAKER_00]: Build the foundation first, then the operations, then the leverage, in that order.
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[SPEAKER_00]: That is the full microfamily office model.
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[SPEAKER_00]: Now,
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[SPEAKER_00]: You might be thinking, how is this different than just hiring an A plus financial advisor?
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[SPEAKER_00]: Great question.
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[SPEAKER_00]: Let me show you the critical differences.
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[SPEAKER_00]: Customization.
10:31.674 --> 10:35.138
[SPEAKER_00]: Petraditional wealth manager uses standardized investment models.
10:35.638 --> 10:41.184
[SPEAKER_00]: You get slotted into their moderate growth or aggressive growth bucket based on a risk questionnaire.
10:41.444 --> 10:49.873
[SPEAKER_00]: A microfamily office is fully customized around your specific values, risk tolerance, and long-term objectives.
10:49.853 --> 10:54.565
[SPEAKER_00]: Wealth managers focus on traditional investments when it comes to portfolio management.
10:54.585 --> 11:00.099
[SPEAKER_00]: We're talking stocks, bonds, mutual funds, and maybe some basic retirement tax planning.
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[SPEAKER_00]: A microfamily office takes a holistic approach.
11:03.287 --> 11:06.816
[SPEAKER_00]: Wealth management tax optimization is state planning.
11:06.796 --> 11:11.502
[SPEAKER_00]: Business structure, philanthropy, and especially family education.
11:11.802 --> 11:22.496
[SPEAKER_00]: Everything that touches your financial life, control with a traditional advisor, you're following their firm's model on average, you're just one of their 363 clients.
11:22.516 --> 11:26.982
[SPEAKER_00]: Their goal is to keep things as simple as possible and as low touches possible.
11:26.962 --> 11:37.540
[SPEAKER_00]: where they microfamily office, you maintain complete control, you're the CEO, you make the strategic decisions, you work on your portfolio as much or as little as you want.
11:37.900 --> 11:40.966
[SPEAKER_00]: And your advisors work for you, not the other way around.
11:41.306 --> 11:42.388
[SPEAKER_00]: Investments.
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[SPEAKER_00]: want to invest in a private equity deal, a credit fund, maybe you're passionate about renewable energy or affordable housing and want your portfolio to reflect that.
11:51.919 --> 11:56.564
[SPEAKER_00]: Traditional advisors often discourage these because they're outside of their wheelhouse.
11:57.084 --> 11:59.567
[SPEAKER_00]: They create more work and they don't get paid on them.
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[SPEAKER_00]: A microfamily office is built to evaluate and incorporate these opportunities when they align with your strategy.
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[SPEAKER_00]: Effort, here's the honest truth.
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[SPEAKER_00]: a microfamily office takes more work than just handing everything to an advisor.
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[SPEAKER_00]: You're actively involved in the strategy, you're learning, you're making decisions, that's the point.
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[SPEAKER_00]: You're building something that lasts, you're creating a legacy business around your family's wealth.
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[SPEAKER_00]: You're not just paying someone to manage a portfolio.
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[SPEAKER_00]: I tell people you should expect to spend one to two hours per week managing your micro family office.
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[SPEAKER_00]: So how does this actually work?
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[SPEAKER_00]: Well, family offices have been outperforming the S&P 500 for the last decade.
12:40.300 --> 12:42.162
[SPEAKER_00]: But let me make this more personal.
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[SPEAKER_00]: When I implemented this framework for myself, I went from an overly concentrated portfolio that generated zero income to a highly diversified wealth engine.
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[SPEAKER_00]: During that time, I grew my portfolio from six million to eight million while generating over $200,000 in annual cash flow.
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[SPEAKER_00]: This cash flow now covers all of my family's essential expenses.
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[SPEAKER_00]: In this structure, totally changed my life.
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[SPEAKER_00]: I left my high paying technology executive career.
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[SPEAKER_00]: I now take four international trips a year with my family, two of them service trips funded through tax-efficient charitable strategies.
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[SPEAKER_00]: I reduce my tax burden significantly through a proper structure and timing, and I have clarity and confidence in every financial decision I make.
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[SPEAKER_00]: And most importantly, I get to spend an abundance of time with my wife in three sons.
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[SPEAKER_00]: This isn't about working harder.
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[SPEAKER_00]: It's about working systematically.
13:34.606 --> 13:41.318
[SPEAKER_00]: It's about finding the same frameworks in discipline that use in your professional life to your personal wealth.
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[SPEAKER_00]: I know what some of you are thinking.
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[SPEAKER_00]: This sounds like a lot of work.
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[SPEAKER_00]: I already have a demanding job.
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[SPEAKER_00]: Fairpoint.
13:49.505 --> 13:51.230
[SPEAKER_00]: Let me address that directly.
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[SPEAKER_00]: Yes, building and running a micro family office requires effort, especially at front.
13:57.346 --> 14:01.717
[SPEAKER_00]: You're creating the systems, you're learning the frameworks, you're making strategic decisions.
14:02.038 --> 14:03.542
[SPEAKER_00]: But here's what you need to understand.
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[SPEAKER_00]: You're already spending time on your wealth.
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[SPEAKER_00]: You're checking your portfolio, you're stressing about concentration risk, you're researching investments, you're meeting with advisors who aren't giving you the answers that you really want.
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[SPEAKER_00]: A microfamily office doesn't add work.
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[SPEAKER_00]: It systematizes the work you're already doing.
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[SPEAKER_00]: It transforms scattered effort into focused execution.
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[SPEAKER_00]: Once you implement the systems,
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[SPEAKER_00]: ongoing management is a few hours per week.
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[SPEAKER_00]: And much of that is strategic thinking, not administrative tasks.
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[SPEAKER_00]: You're focusing on the 20% of decisions that drive the 80% of results.
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[SPEAKER_00]: Now, you can compare that to the alternative.
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[SPEAKER_00]: staying stuck in reactive mode, making emotional decisions, missing opportunities, paying unnecessary taxes, and hoping it all works out for retirement.
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[SPEAKER_00]: This isn't about being a rocket scientist or becoming a financial genius.
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[SPEAKER_00]: It's about being disciplined and continuously learning.
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[SPEAKER_00]: If you can run complex projects at work, you can run in microfamily office.
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[SPEAKER_00]: And the question isn't whether you have time,
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[SPEAKER_00]: The question is whether you're ready to be deliberate about building and protecting generational wealth.
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[SPEAKER_00]: I hope this video gave you a good solid direction, but if you want to go deeper, I'd love to have you up my upcoming live workshop.
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[SPEAKER_00]: In the two-hour workshop, I take the architect phase,
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[SPEAKER_00]: And at the end, you're going to have a legacy statement and investment thesis, which will serve as the foundation of your micro family office.
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[SPEAKER_00]: It's hands on practical in design specifically for high earners in the $1 million to $30 million net worth range.
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[SPEAKER_00]: To register, you can just click the link in the description or you can head to wealthops.io forward slash go.
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[SPEAKER_00]: And if you want to learn more about the Evergreen portfolio model that we use inside the microfamily office, check out this video.
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[SPEAKER_00]: Thanks a lot.
00:00.031 --> 00:03.998
[SPEAKER_00]: Here's what nobody tells you about crossing $1 million in net worth.
00:04.358 --> 00:07.283
[SPEAKER_00]: Traditional wealth management completely breaks down.
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[SPEAKER_00]: Your financial advisor is still using the same playbook they give to somebody with $200,000 net worth.
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[SPEAKER_00]: Meanwhile, you're dealing with concentrated stock positions, complex tax situations, and investment opportunities they've never even heard of.
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[SPEAKER_00]: You're stuck in what I call the Financial Service Desert.
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[SPEAKER_00]: In this video, I'm breaking down the microfamily office framework that finally solves this problem.
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[SPEAKER_00]: My name is Christopher Nelson and I want to tell you about the moment I discovered this service desert firsthand and how it led me to creating my own microfamily office.
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[SPEAKER_00]: During my first IPO, I thought I was going to walk away with $1.5 million dollars, but in five minutes, five minutes that jumped to $3.3 million watching it live on the NASDAQ screen.
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[SPEAKER_00]: After this, I started meeting with the big wealth management firms, and every single one came back with the same pitch.
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[SPEAKER_00]: Here's our moderate growth portfolio, 60% in stocks, 40% in bonds,
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[SPEAKER_00]: I was already outperforming that on my own.
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[SPEAKER_00]: Here's the problem.
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[SPEAKER_00]: If you have under a million dollars, personal finance advice works.
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[SPEAKER_00]: Budget save, match your 401k.
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[SPEAKER_00]: And if you have over a 30 million dollars, you can afford a multi-family office with a full team of specialists.
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[SPEAKER_00]: But between $1 million in 30 million dollars net worth,
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[SPEAKER_00]: you're in no man's land.
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[SPEAKER_00]: You're getting pitched alternative investments and complex tax strategies, but nobody's teaching you how to evaluate them systematically.
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[SPEAKER_00]: Traditional advisors want to treat you like every other client, but your problems are different.
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[SPEAKER_00]: Your opportunities are different.
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[SPEAKER_00]: And their one-size-fits-all approach is costing you money.
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[SPEAKER_00]: So what's the answer?
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[SPEAKER_00]: Well, the ultra wealthy figured this out decades ago.
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[SPEAKER_00]: They don't just have investment portfolios,
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[SPEAKER_00]: They run their wealth like a business.
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[SPEAKER_00]: That's what a family office is.
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[SPEAKER_00]: It's a private business structure built around a family's wealth to preserve, grow, and manage it across generations.
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[SPEAKER_00]: The concept actually dates back to the sixth century, but the modern version emerged in the 1800s during the Industrial Revolution.
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[SPEAKER_00]: John D. Rockefeller created what re-recognized as the first true single family office back in 1882.
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[SPEAKER_00]: Today, family offices globally manage over $10 trillion in wealth, which is more than all of the hedge funds combined.
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[SPEAKER_00]: In years that kicker, they've been outperforming the S&P 500 over the last decade.
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[SPEAKER_00]: But there's a problem.
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[SPEAKER_00]: A traditional single-family office requires $100 million in assets,
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[SPEAKER_00]: to justify the $2 million a year in operational costs.
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[SPEAKER_00]: In multi-family office, where family share services still requires $30 million in net assets and costs around $300,000 to $1 million annually.
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[SPEAKER_00]: That leaves everyone with one to $30 million completely stranded.
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[SPEAKER_00]: That's why I built the microfamily office framework.
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[SPEAKER_00]: A microfamily office gives you the strategic advantages of how the ultra wealthy managed money, but scale to be efficient, cost effective, and implementable for high earners with one to $30 million in assets.
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[SPEAKER_00]: Let me break down how a microfamily office actually works.
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[SPEAKER_00]: Instead of hiring a full-time team, you leverage fractional experts.
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[SPEAKER_00]: Instead of building everything from scratch, you follow a proven framework.
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[SPEAKER_00]: Instead of guessing what to do next, you operate with the same systematic approach that you use in your professional life.
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[SPEAKER_00]: The operating system that guides a microfamily office is called the wealth ops framework.
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[SPEAKER_00]: architect, build, and run.
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[SPEAKER_00]: First, there's architect.
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[SPEAKER_00]: This is where you define your strategy before touching any investments.
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[SPEAKER_00]: You create your legacy statement, why you're building wealth in the first place.
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[SPEAKER_00]: You set measurable goals for your portfolio.
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[SPEAKER_00]: and you develop your investment thesis based on your risk tolerance and objectives.
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[SPEAKER_00]: Most people skip this entirely.
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[SPEAKER_00]: They jump straight to what should I buy without ever defining what they're actually building towards.
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[SPEAKER_00]: That's why they end up reactive instead of strategic.
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[SPEAKER_00]: Skipping this step is why the Vanderbiltz once worth over $200 billion dollars,
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[SPEAKER_00]: have zero inherited millionaires today.
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[SPEAKER_00]: While the Rockefellers with similar wealth still collectively managed billions of dollars across seven generations.
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[SPEAKER_00]: Setting up this architecture is exactly what we cover in a monthly live workshop.
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[SPEAKER_00]: I'm gonna share more information on that at the end.
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[SPEAKER_00]: For now let's move on to the second phase.
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[SPEAKER_00]: Build, now you're creating infrastructure.
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[SPEAKER_00]: You set up the right legal structures such as LLC's trust, management entities and holding entities for asset protection and tax efficiency.
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[SPEAKER_00]: You identify the key roles you need, for example, a certified tax planner, a state attorney in bookkeeper.
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[SPEAKER_00]: You implement the core processes and technology systems that let you operate efficiently without big monthly overhead.
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[SPEAKER_00]: This is where most DIY wealth managers get stuck.
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[SPEAKER_00]: They have scattered spreadsheets, disconnected accounts, no unified reporting.
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[SPEAKER_00]: The build phase creates the operating system for your wealth.
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[SPEAKER_00]: The third is run.
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[SPEAKER_00]: This is the ongoing operations.
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[SPEAKER_00]: You're not managing this daily.
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[SPEAKER_00]: You're operating it like an executive, weekly check ins, monthly financial reviews, quarterly strategy sessions, annual planning cycles.
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[SPEAKER_00]: you hire specialists for specific projects rather than keeping them on the payroll and you use technology to automate routine tests.
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[SPEAKER_00]: The goal is strategic oversight, not being in the daily management.
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[SPEAKER_00]: So now here's what makes this powerful.
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[SPEAKER_00]: A microfamily office has seven core components.
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[SPEAKER_00]: Vision and strategy
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[SPEAKER_00]: portfolio structure, legal, and tax protection, operational processes, performance and data, team and advisors, and finally executive governance.
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[SPEAKER_00]: These components are arranged in the specific hierarchy and the order matters because each tier enables the next.
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[SPEAKER_00]: First, we've got the foundation tier.
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[SPEAKER_00]: This is your strategic base.
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[SPEAKER_00]: It's made of your vision and strategy.
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[SPEAKER_00]: USEO, plus your partner or family, defining why wealth exists and how it should be managed.
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[SPEAKER_00]: This is the education and framework that guides everything.
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[SPEAKER_00]: This phase is about purpose and design.
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[SPEAKER_00]: Also within the foundation tier is portfolio structure, the actual architecture of your assets.
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[SPEAKER_00]: allocation across asset classes, diversification strategy, and evaluation frameworks.
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[SPEAKER_00]: The next level is the operations tier.
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[SPEAKER_00]: This is your execution engine, but remember, you cannot build effective operations without the foundations first.
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[SPEAKER_00]: If you don't know your vision, you can't design protection structures.
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[SPEAKER_00]: If you don't have a structure, you don't know what processes to implement.
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[SPEAKER_00]: Within the operations tier, we first have legal and tax protection.
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[SPEAKER_00]: This is your two core entities and your fractional teams, such as your certified tax planner and attorneys.
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[SPEAKER_00]: Think of this as your defense layer.
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[SPEAKER_00]: Next, we've got operational processes.
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[SPEAKER_00]: Here's where we're leveraging predefined standard operating procedures tailored to the needs of a microfamily office.
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[SPEAKER_00]: These are the systems that make everything run smoothly without making it a second full-time job.
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[SPEAKER_00]: And lastly, within this tier is performance and data.
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[SPEAKER_00]: In our microfamily office, we want things to be straightforward and actionable.
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[SPEAKER_00]: We use simple dashboards like this one.
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[SPEAKER_00]: and routine review cadence.
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[SPEAKER_00]: This is about collecting intelligence that informs decisions and doing it on an ongoing basis.
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[SPEAKER_00]: This is protection, systems, and intelligence all working together.
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[SPEAKER_00]: Now we're at the top of the pyramid, the leverage tier.
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[SPEAKER_00]: First, we've got our team and advisors.
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[SPEAKER_00]: These are the fractional advisors we bring on and pay either per project or on a small monthly retainer.
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[SPEAKER_00]: These are the people who help you execute at a higher level.
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[SPEAKER_00]: true domain experts.
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[SPEAKER_00]: In a traditional wealth management approach, your advisor plays the role of CEO of your wealth, and you sit downstream, essentially taking on the role many times, a bookkeeper.
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[SPEAKER_00]: But in a micro family of us, you sit at the top as the CEO, leveraging your team's deep knowledge in ensuring everyone is working together, not in silos.
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[SPEAKER_00]: And the last component of the top tier is executive governance.
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[SPEAKER_00]: This is you as the portfolio CEO running systematic assessments, not random checking what you review falls into two categories.
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[SPEAKER_00]: First, there's investments.
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[SPEAKER_00]: Here's some samples of what you review.
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[SPEAKER_00]: Income performance is your income bucket generating the targeted cash on cash returns.
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[SPEAKER_00]: Growth returns are your growth assets hitting the targeted IRR.
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[SPEAKER_00]: Capital Preservation is your safety bucket protecting principle and allocation drift.
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[SPEAKER_00]: Have your percentages shifted away from target structures.
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[SPEAKER_00]: And the second category is business operations.
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[SPEAKER_00]: Here's some examples of what you'd review in this category.
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[SPEAKER_00]: Monthly P&L, are you profitable at the portfolio level?
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[SPEAKER_00]: Tax efficiency.
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[SPEAKER_00]: What's your effective tax rate in how does it trend?
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[SPEAKER_00]: Process effectiveness.
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[SPEAKER_00]: Are your workflows running smoothly or breaking down?
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[SPEAKER_00]: Cash management.
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[SPEAKER_00]: Do you have optimal liquidity?
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[SPEAKER_00]: This is not checking your accounts when you remember.
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[SPEAKER_00]: This is a scheduled one hour monthly review of specific metrics against documented targets.
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[SPEAKER_00]: You're not asking, how am I doing?
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[SPEAKER_00]: You're asking is each component performing its job and where do I need to adjust?
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[SPEAKER_00]: Build the foundation first, then the operations, then the leverage, in that order.
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[SPEAKER_00]: That is the full microfamily office model.
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[SPEAKER_00]: Now,
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[SPEAKER_00]: You might be thinking, how is this different than just hiring an A plus financial advisor?
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[SPEAKER_00]: Great question.
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[SPEAKER_00]: Let me show you the critical differences.
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[SPEAKER_00]: Customization.
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[SPEAKER_00]: Petraditional wealth manager uses standardized investment models.
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[SPEAKER_00]: You get slotted into their moderate growth or aggressive growth bucket based on a risk questionnaire.
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[SPEAKER_00]: A microfamily office is fully customized around your specific values, risk tolerance, and long-term objectives.
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[SPEAKER_00]: Wealth managers focus on traditional investments when it comes to portfolio management.
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[SPEAKER_00]: We're talking stocks, bonds, mutual funds, and maybe some basic retirement tax planning.
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[SPEAKER_00]: A microfamily office takes a holistic approach.
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[SPEAKER_00]: Wealth management tax optimization is state planning.
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[SPEAKER_00]: Business structure, philanthropy, and especially family education.
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[SPEAKER_00]: Everything that touches your financial life, control with a traditional advisor, you're following their firm's model on average, you're just one of their 363 clients.
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[SPEAKER_00]: Their goal is to keep things as simple as possible and as low touches possible.
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[SPEAKER_00]: where they microfamily office, you maintain complete control, you're the CEO, you make the strategic decisions, you work on your portfolio as much or as little as you want.
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[SPEAKER_00]: And your advisors work for you, not the other way around.
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[SPEAKER_00]: Investments.
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[SPEAKER_00]: want to invest in a private equity deal, a credit fund, maybe you're passionate about renewable energy or affordable housing and want your portfolio to reflect that.
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[SPEAKER_00]: Traditional advisors often discourage these because they're outside of their wheelhouse.
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[SPEAKER_00]: They create more work and they don't get paid on them.
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[SPEAKER_00]: A microfamily office is built to evaluate and incorporate these opportunities when they align with your strategy.
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[SPEAKER_00]: Effort, here's the honest truth.
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[SPEAKER_00]: a microfamily office takes more work than just handing everything to an advisor.
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[SPEAKER_00]: You're actively involved in the strategy, you're learning, you're making decisions, that's the point.
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[SPEAKER_00]: You're building something that lasts, you're creating a legacy business around your family's wealth.
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[SPEAKER_00]: You're not just paying someone to manage a portfolio.
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[SPEAKER_00]: I tell people you should expect to spend one to two hours per week managing your micro family office.
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[SPEAKER_00]: So how does this actually work?
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[SPEAKER_00]: Well, family offices have been outperforming the S&P 500 for the last decade.
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[SPEAKER_00]: But let me make this more personal.
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[SPEAKER_00]: When I implemented this framework for myself, I went from an overly concentrated portfolio that generated zero income to a highly diversified wealth engine.
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[SPEAKER_00]: During that time, I grew my portfolio from six million to eight million while generating over $200,000 in annual cash flow.
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[SPEAKER_00]: This cash flow now covers all of my family's essential expenses.
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[SPEAKER_00]: In this structure, totally changed my life.
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[SPEAKER_00]: I left my high paying technology executive career.
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[SPEAKER_00]: I now take four international trips a year with my family, two of them service trips funded through tax-efficient charitable strategies.
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[SPEAKER_00]: I reduce my tax burden significantly through a proper structure and timing, and I have clarity and confidence in every financial decision I make.
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[SPEAKER_00]: And most importantly, I get to spend an abundance of time with my wife in three sons.
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[SPEAKER_00]: This isn't about working harder.
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[SPEAKER_00]: It's about working systematically.
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[SPEAKER_00]: It's about finding the same frameworks in discipline that use in your professional life to your personal wealth.
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[SPEAKER_00]: I know what some of you are thinking.
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[SPEAKER_00]: This sounds like a lot of work.
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[SPEAKER_00]: I already have a demanding job.
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[SPEAKER_00]: Fairpoint.
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[SPEAKER_00]: Let me address that directly.
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[SPEAKER_00]: Yes, building and running a micro family office requires effort, especially at front.
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[SPEAKER_00]: You're creating the systems, you're learning the frameworks, you're making strategic decisions.
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[SPEAKER_00]: But here's what you need to understand.
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[SPEAKER_00]: You're already spending time on your wealth.
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[SPEAKER_00]: You're checking your portfolio, you're stressing about concentration risk, you're researching investments, you're meeting with advisors who aren't giving you the answers that you really want.
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[SPEAKER_00]: A microfamily office doesn't add work.
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[SPEAKER_00]: It systematizes the work you're already doing.
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[SPEAKER_00]: It transforms scattered effort into focused execution.
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[SPEAKER_00]: Once you implement the systems,
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[SPEAKER_00]: ongoing management is a few hours per week.
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[SPEAKER_00]: And much of that is strategic thinking, not administrative tasks.
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[SPEAKER_00]: You're focusing on the 20% of decisions that drive the 80% of results.
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[SPEAKER_00]: Now, you can compare that to the alternative.
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[SPEAKER_00]: staying stuck in reactive mode, making emotional decisions, missing opportunities, paying unnecessary taxes, and hoping it all works out for retirement.
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[SPEAKER_00]: This isn't about being a rocket scientist or becoming a financial genius.
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[SPEAKER_00]: It's about being disciplined and continuously learning.
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[SPEAKER_00]: If you can run complex projects at work, you can run in microfamily office.
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[SPEAKER_00]: And the question isn't whether you have time,
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[SPEAKER_00]: The question is whether you're ready to be deliberate about building and protecting generational wealth.
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[SPEAKER_00]: I hope this video gave you a good solid direction, but if you want to go deeper, I'd love to have you up my upcoming live workshop.
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[SPEAKER_00]: In the two-hour workshop, I take the architect phase,
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[SPEAKER_00]: And at the end, you're going to have a legacy statement and investment thesis, which will serve as the foundation of your micro family office.
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[SPEAKER_00]: It's hands on practical in design specifically for high earners in the $1 million to $30 million net worth range.
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[SPEAKER_00]: To register, you can just click the link in the description or you can head to wealthops.io forward slash go.
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[SPEAKER_00]: And if you want to learn more about the Evergreen portfolio model that we use inside the microfamily office, check out this video.
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[SPEAKER_00]: Thanks a lot.
