01
Complexity is growing
More accounts, equity compensation, real estate, business interests, and tax exposure than one spreadsheet can hold together.
Independent fee-only fiduciary wealth management
Wealth
management,
bound as
an heirloom.
Intellicapital coordinates planning, investments, tax, estate, and family decisions around one living household plan — material decisions reviewed by a supervised person, dated, and recorded in a record you can read.
One household. One living plan. One accountable record.
The firm
Michael, Rob, and Karin.
The same small team behind every folio and every client relationship.
Where we are most useful
When financial decisions stop arriving one at a time.
The firm is designed for households whose choices interact. The value is not another opinion on one account. It is seeing what the next decision changes everywhere else.
02
A transition is near
Retirement, a business sale, inheritance, divorce, relocation, or another decision with a clock attached to it.
03
Family decisions overlap
Children, aging parents, trusts, charitable intent, succession, and the quiet obligations that rarely fit inside a portfolio report.
04
Continuity matters
You need a plan other people can understand, verify, and carry forward when the original decision-maker is no longer in the room.
Who we serve
The work is custom. The standard is not.
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.
BuildingThe plan written before the wealth arrives.
Business OwnerThe company and the household — two chapters, not one.
Mid-LifeCollege, retirement, aging parents — three clocks, one page.
Pre-RetireeIs the date arithmetic, or a wish?
Post-Retiree · Early YearsRetirement is a payroll problem. We run the payroll.
Post-Retiree · Late YearsFewer accounts, no surprises — a record the family can read.
DivorceTriage in writing — then a record in your name alone.
WidowWritten for two, readable by one — the plan that held when it had to.
Inheritance / WindfallA windfall arrives with a countdown and a crowd.
No ChildrenThe dogs, the giving, the survivor, the pen — nothing left to default.
All in One StockOne ticker should not carry the retirement.
The coordination problem
The hard part is not choosing. It is seeing what the choice changes.
Most financial lives are divided into accounts, specialists, and annual appointments. We model the household first, so a decision in one area cannot quietly break another.
Separate tools see six tasks. A coordinated adviser sees one decision with six consequences.
Illustrative household decisionCross-domain analysis
Household decisionRetire in 2029One date changes the full sequence.
CompensationEquity vestingExercise and sale windows.
HealthcareCoverage bridgeACA, Medicare, and IRMAA.
TaxBracket strategyConversions and gain timing.
InvestmentsIncome sequenceLiquidity and risk capacity.
EstateGifting windowTrust and beneficiary actions.
Cash flowNew payrollSpending and reserve design.
Coordinated result
A recommendation that accounts for the interactions before the household commits to the date.
Chapter VRetirement
Decision brief: retirement date
QuestionWhich retirement date best preserves flexibility across tax, healthcare, and portfolio income?
EvidenceCompensation schedule, tax projections, benefit elections, cash-flow model, and estate priorities.
DecisionTarget Q2 2029 with a staged equity and conversion sequence.
WatchTax law, health premiums, vesting changes, and spending drift.
Reviewed and signed into the household record.
Intellicapital Advisors
The Household Folio
A living plan for the decisions, obligations, and people that make up one financial life.
Folio 004201Living record
Decision ledgerIllustrative
Jul 08Tax-aware rebalanceSigned
Jul 22Roth conversion windowSigned
Aug 03Beneficiary reviewSigned
The client experience
A plan built to be lived with.
Every household receives a living folio: the goals, facts, decisions, and follow-through of financial life maintained as one coherent document. It changes when life changes.
01
The full householdGoals, inventory, cash flow, tax, retirement, investment, estate, insurance, and family obligations in one structure.
02
Decisions, not just dataEach recommendation carries its reasoning, assumptions, next action, and the part of the plan it changes.
03
A record that enduresThe plan remains readable by the client, the family, and the professionals who may one day need to continue the work.
Wealth management, bound as an heirloom.
Behind the folio
The system remembers. The adviser remains responsible.
BAFAos connects the household model, tests alternatives, and is designed to keep the reasoning behind every recommendation attached to the record. Readings are desk-initiated, client-facing recommendations are reviewed by a supervised person, and artifact-bound release remains a governed build target (see the Claims Register).
The model can recommend. It cannot approve itself.
Household decision R-2041Control path active
Retirement income sequenceRelease state: governed
01 ModelHousehold facts assembledComplete
02 TestAlternatives comparedComplete
03 ChallengeConflicts and assumptions surfacedComplete
04 GateRelease blocked pending adviser reviewHuman required
05 ReleaseNamed approval and signed recommendationAuthorized
Michael McAlpin, CFP®
Named human approvalHoldOne household memoryFacts, documents, obligations, and decisions remain connected.
TestAlternatives before actionThe system compares the consequences across domains.
WatchChange does not wait for review seasonMaterial shifts can be surfaced between meetings.
ProveReasoning stays with the recommendationDesigned so source, approval, and follow-through stay attached to the record.
The record
Material decisions, on the record.
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 ones we are still building.
How we stay verifiable →· Sample household · Q3 2025 · specimen ·Hypothetical
Jul 08Quarterly rebalance · tax-awareMM
Jul 22Roth conversion window · modeled at $42kMM · RF
Aug 05529 funding step · two beneficiariesKG
Aug 19Beneficiary audit · trust as contingentRF
Illustrative entries · not a client record
The work, coordinated
One firm for the decisions that usually live in six places.
Each discipline matters. The greater value comes from managing the intersections: the tax effect of an investment move, the estate consequence of an account decision, and the family obligation behind the goal.
01
Financial planning
Goals, cash flow, retirement, education, benefits, and the decisions that turn resources into a life.
→02
Investment management
Evidence-based portfolios designed around the household plan, tax position, liquidity needs, and real risk capacity.
→03
Tax coordination
Conversions, gain and loss timing, charitable strategy, distributions, and ongoing collaboration with the tax professional.
→04
Estate integration
Beneficiaries, titling, trust funding, attorney coordination, and the practical work that makes the documents operate.
→05
Risk and insurance review
A fee-only review of the risks retained and transferred, without product sales distorting the recommendation.
→06
Family stewardship
Next-generation education, charitable intent, succession, and a record designed to travel with the family.
→Most firms hand off the intersections. We built the practice around them.
Explore every service →The human control layer
Technology does the remembering. People own the judgment.
Intellicapital is small by design. There is no handoff maze and no invisible committee. The same three people know the household, maintain the folio, and remain answerable for the work.
Michael McAlpin
Managing Partner & CCOCFP®
Founded the firm and built BAFAos. Leads the advisory and compliance standard behind every household relationship.
Rob Fremont
Managing PartnerShares the advisory seat and carries the investment and operating discipline that keeps the work moving across the practice.
Karin Getka
Wealth Planning CoordinatorCoordinates the planning rhythm, documents, reviews, and follow-through that keep the household record current.
Small enough to know the household. Structured so the record outlives any one memory.
Meet the full team →
FeesTransparent pricingSee the schedule and what the relationship includes.
StandardFiduciary practiceHow the duty is applied in the actual work.
SubstantiationClaims registerThe source behind material statements made by the firm.
RecordVerify, do not merely trustDocuments, disclosures, and decision accountability.
How the relationship begins
Four steps to the plan. Then the work becomes continuous.
The first year builds the household record. The years after are spent maintaining it, testing decisions against it, and updating it whenever life refuses to follow a tidy annual calendar.
i
Conversation
A complimentary, candid discussion about the household and whether the fit is real.
About one hourii
Discovery
Accounts, documents, goals, obligations, people, and the decisions already in motion.
The full pictureiii
Build the folio
The household model, planning priorities, coordinated recommendations, and action sequence.
The first yeariv
Maintain the record
Monitor change, revisit assumptions, document decisions, and keep the plan current.
Ongoing stewardshipBring us the whole picture.
The first conversation is one hour, with no cost and no pressure. We will tell you whether Intellicapital is the right firm for the work in front of you.