A fee-only fiduciary. Your plan is written for your household alone — and the material decisions made on its behalf are reviewed by a supervised person, in a record you can read.
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.
Every situation is unique, every story is different — but the process of building, growing, and protecting is the same. We meet you wherever you are on your wealth journey. Here are some examples; find one that might be like yours.
Every household receives a folio — eleven chapters covering every dimension of financial life, composed and maintained as a single living document. Bound annually. Versioned. Signed.
Not a deliverable. A companion — one your heirs could read.
Open a sample folio →
We did not find software equal to the way we wanted to practice — so Michael built it. BAFAos is a living planning operating system: your household's entire financial life in one governed model — calculating where you are headed, scanning for what might be missed, comparing the alternatives.
It doesn't exist for you to see. It exists so your advisor doesn't miss anything — and client-facing recommendations are reviewed by a supervised person before they reach you. Material decisions recorded, sourceable, and answerable. For decades.
How BAFAos works →Material advisory decisions are retained in the firm’s records with their date, rationale, and reviewer where applicable. The Claims Register distinguishes the record controls operating today from the richer tamper-evident evidence architecture that remains a governed build target.
How we stay verifiable →The same memory serves both sides of the relationship. Your advisors enter through The Bridge — the working software of the firm. You hold the folio it composes. Here is each, as it actually looks.
This year the plan moved twice — once when the market fell in March, and once when you decided the cabin mattered more than the earlier retirement. Both decisions are in Chapter IV, with our reasoning attached.
Nothing in this binding is a surprise; you were in the room for all of it. What follows is simply the record.
Most firms charge you for one piece, then refer the rest out. We coordinate everything under one roof, on one timeline, for one fee — and every part answers to the same standard.
Small by design. When you work with Intellicapital, you know every person touching your plan — and they know you.
Founded the firm in 2021 after two decades in planning — and wrote BAFAos himself. Leads the practice; owns its compliance record.
The firm's other licensed adviser. Carries household relationships and the investment discipline behind every folio.
Coordinates the planning work behind every folio — often the first person you speak to; always the reason nothing falls through.
The first year builds the folio. The years after are for living with it.
We map what you have, what you owe, what you’re protecting, and what keeps you up at night. No products discussed — just the picture, drawn honestly.
The plan everything else answers to — goals, cash flow, modeling, trade-offs made explicit. Signed, dated, the baseline agreed.
Eleven chapters. Your plan — bound, signed, and placed in your hands. Not a proposal. A document you keep.
The binder re-examined every year — drift corrected, the estate chapter audited, the record signed forward. The plan lives; the ledger grows.
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.
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