Intellicapital Advisors
· Intellicapital · Est. · MMXXI
A Boutique Registered Investment Adviser

Wealth
management,
bound as
an heirloom.

A fee-only RIA that treats every household — from one million to thirty million — with the same plan, the same folio, and the same signed record of every decision made on its behalf.

Read our approach
CFP®Certified planner
Fee-OnlyNo commissions
IndependentNo broker-dealer
$1M+Any tier, same plan
· Plate No. I ·The Intellicapital team — Michael McAlpin, Rob Fremont, and Karin Getka
· The Firm ·
Michael, Rob, & Karin.
The three people behind every folio.

A plan is not a PDF you receive at onboarding and forget in a drawer. It is a living document — written, signed, and maintained through every life event, for as long as the household endures.

— Intellicapital · Firm Philosophy
Who we serve

Every household, the same treatment.

We built our firm so a one-million-dollar household receives the same plan, the same folio, and the same attention as one thirty times its size. The work — the planning, the tax coordination, the estate choreography — is not something one scales by cutting corners.

· I ·
Foundational
$1M to $3M

Growing families and first-generation earners. The folio begins here — the plan written before the next decade arrives.

· II ·
Established
$3M to $10M

Executives, owners, and families in their prime earning decades. Tax strategy, estate planning, and investment coordination woven into one plan.

· III ·
Multi-Generational
$10M to $30M

Multi-generational wealth, business succession, family governance. The folio becomes a ledger of the family's choices, passed on with the assets.

Our approach

The plan, as a folio.

Every client receives a folio — eleven chapters covering every dimension of financial life, bound and maintained as a single living document. Not a deliverable. A companion.

See the chapters →
Ch · I
Goals
Ch · II
Inventory
Ch · III
Cash Flow
Ch · IV
Tax
Ch · V
Retirement
Ch · VI
Investment
Ch · VII
Estate
Ch · VIII
Digital
Ch · IX
Insurance
Ch · X
Consolidated
Ch · XI
Review
· Living ·
Signed
The operating system

An operating system we built ourselves.

Most firms operate from a stack of disconnected vendor tools. We built our own — a single system where the folio, the ledger, and every action taken on a household's behalf live in one record. Every rebalance, every letter, every approval is written to a tamper-evident log we can produce on demand. It is what makes the promise of "every action, on the record" literal rather than rhetorical.

Read how it works →

Transparency

Every action, on the record.

When you hire a fiduciary, you should be able to verify — not just trust — that they acted in your interest. The ledger makes that literal.

· household #4201 · Q3 2025 ·Live
Jul 08Quarterly rebalance · tax-awareMM
Jul 22Roth conversion window · $42kMM · RF
Aug 03Beneficiary review · trust updateKG
Aug 17Folio Ch. V updated · retirementMM
Sep 01529 contribution coordinatedRF
Sep 14TLH · $18,400 realized · offsetMM
Sep 28Annual review · folio read-throughMM · client
· Hypothetical · Illustrative only· sha256 · verified ·

"Every rebalance. Every conversion. Every letter sent, every hour counted. Nothing happens on your account without a line in the record."

The firm's internal system writes a tamper-evident entry for every action taken on your behalf. Who did it. When. Why. Linked to the chapter of your folio it affects.

Want to know what was done for your household, and why — in a specific quarter, on a specific day? The answer is a minute away. For every year we have worked together.

Services

Planning, investment, tax, and estate — in one hand.

Most firms charge you for one piece, then refer the rest out. We coordinate everything under one roof, on one timeline, for one fee — all of it under the fiduciary standard.

i.

Financial Planning

The folio. Eleven chapters, one household, one living document. Your plan is not a PDF produced at onboarding and forgotten — it is a record maintained through every life event.

See the folio →
ii.

Investment Management

Evidence-based portfolio construction, aligned to the plan. Success is measured against the goals in your folio — not against a benchmark that has nothing to do with your life.

iii.

Tax Coordination

Tax-aware rebalancing, Roth conversion planning, charitable timing, gain and loss harvesting. Tax is not a year-end surprise; it is a monthly consideration inside the plan.

Tax planning, in depth →
iv.

Estate Integration

We work alongside your attorney — or introduce one — so the estate plan on paper matches the beneficiary designations, the titling, and the trust funding. What the document says is what the accounts do.

Estate coordination, in depth →
v.

Multi-generational Stewardship

Family meetings, next-generation education, business succession. The plan outlives the plan-maker; we design for that from the first conversation.

vi.

Insurance Review

A fee-only review of the risks you carry and the ones you have transferred. We do not sell insurance — which is precisely why our recommendation is worth listening to.

The team

Three people, one household.

Small by design. When you work with Intellicapital, you know every person touching your plan — and they know you.

Michael McAlpin, Founder, Managing Partner & Chief Compliance Officer

Michael McAlpin

FOUNDER · MANAGING PARTNER · CCO

Michael founded Intellicapital and holds the lead-advisor seat on every household. A CFP® certificant, he designed BAFAos and wrote its code himself — the firm built around the plan, not the product.

Rob Fremont, Managing Partner & Wealth Advisor

Rob Fremont

MANAGING PARTNER · WEALTH ADVISOR

Rob partners with Michael on the advisory seat and runs firm operations — the connective tissue between planning, investment, and client service. Every household has two advisors by design, never one.

Karin Getka, Wealth Planning Coordinator

Karin Getka

WEALTH PLANNING COORDINATOR

Karin coordinates the planning work behind every folio — scheduling reviews, preparing documents, keeping the rhythm of the relationship. Often the first person clients speak to; always the reason nothing falls through the cracks.

How we work

Four steps, then decades.

The first year builds the folio. The years after are for living with it.

i

Introduction

A complimentary conversation. No deliverables, no pressure. We learn whether we are the right firm for your household — and tell you honestly if we are not.

· 1 hour ·
ii

Discovery

We inventory the full picture. Accounts, documents, goals, obligations. The raw material from which the folio is built.

· 30 days ·
iii

The Folio

Eleven chapters, written over 90 days. Your plan — bound, signed, and placed in your hands. Not a proposal. A document you keep.

· 90 days ·
iv

Stewardship

Quarterly reviews, annual folio refreshes, life events handled in real time. The plan lives. The ledger grows. The relationship compounds.

· Ongoing ·
Begin

Your folio, unwritten.

A one-hour conversation — no obligation, no deliverables, no cost. If we are the right fit, you will know. If we are not, we will tell you who is.

· Typically within one business day ·