Everything you need, under one fiduciary roof.

Investment Management

Strategic, data-driven investing that combines Savvy's technology with human expertise to craft portfolios built for your goals.

• ·A written investment policy built from your goals, timeline and tax picture
• ·Diversified portfolios managed on Savvy's platform and rebalanced on a schedule
• ·Concentrated stock handled on purpose, with a plan to reduce it if it's too big
• ·Regular reporting, and a standing review in every strategy meeting

Good fit: Anyone who wants one accountable person running the whole portfolio.

Tax Optimization

Strategic, year-round tax planning to minimize your burden across both the short and the long term.

• ·A line-by-line review of your actual tax return every year
• ·Multi-year projections: Roth conversions, bracket management, timing of income
• ·Equity compensation decisions: ISOs, NSOs, RSUs, AMT and 83(b) elections
• ·Coordination with your CPA, so nothing falls between us

Good fit: High earners, and anyone with stock options or RSUs.

Direct Indexing

Personalized index portfolios with automatic tax-loss harvesting to boost potential after-tax returns.

• ·You own the individual stocks in an index instead of a single fund
• ·Losses harvested as prices move, to offset gains elsewhere
• ·Stocks you already hold too much of, like your employer's, left out
• ·Sectors or companies excluded for personal reasons, without abandoning the index

Good fit: Larger taxable accounts, especially alongside big gains from a stock sale.

Retirement Planning

Comprehensive planning to help ensure you maintain the lifestyle you've worked so diligently for.

• ·Your work-optional date, and what moves it earlier or later
• ·A withdrawal order across taxable, tax-deferred and Roth accounts
• ·Social Security and pension timing
• ·Healthcare costs before Medicare, and Medicare choices after

Good fit: Anyone within 10–15 years of stopping work, or who wants the option sooner.

Trust & Estate

Preserve and pass on wealth with guidance through CRTs, GRATs, SLATs, and the rest of the toolkit.

• ·A review of your will, trusts, powers of attorney and beneficiary designations
• ·Advanced strategies where they fit: CRTs, GRATs, SLATs and dynasty trusts
• ·Accounts titled the way your documents intend
• ·Working alongside your estate attorney, who drafts the documents

Good fit: Families with estate-tax exposure, or documents nobody has looked at in years.

Financial Planning & Analysis

Dedicated expertise to build a completely customized plan for your entire financial picture.

• ·Your full picture in one place: net worth, cash flow, goals and risks
• ·Scenario modeling for big decisions: a job change, a liquidity event, a home
• ·A plan that's updated as life changes, not written once and filed away
• ·The integrated plan that ties the other eleven services together

Good fit: Everyone. This is the base layer.

Alternative Investments

Access private equity, venture funds, angel investments, and other opportunities beyond public markets.

• ·Private equity, venture, private credit and real assets
• ·Due diligence on fees, lockups, liquidity and fit with the rest of the portfolio
• ·Sizing, so alternatives never crowd out money you may need
• ·Ongoing monitoring and reporting alongside your public holdings

Good fit: Long-horizon investors with capital they won't need for years.

Most alternative investments are only available to accredited investors or qualified purchasers, and carry liquidity and other risks.

Education Planning

Personalized, tax-efficient funding strategies to empower the next generation.

• ·A funding target for each child, by type of school and timing
• ·529 plans, and how to use them across siblings and grandparents' gifts
• ·Education savings balanced against your own retirement
• ·How where you save affects financial aid

Good fit: Parents and grandparents.

Risk Management

Identify and address potential risks to help protect your assets in a changing market landscape.

• ·A review of life, disability, umbrella and long-term care coverage
• ·Gaps measured against what would actually hurt your plan
• ·Recommendations you can put in place with the insurance provider of your choice
• ·Portfolio risks too: concentration, liquidity and market drawdowns

Good fit: Anyone whose family relies on their income or assets.

Business Succession

A comprehensive strategy for a smooth transition with the continued success of your business in mind.

• ·Timing and valuation context for a sale or transfer
• ·Options compared: outside sale, management buyout, family transfer, ESOP
• ·Pre-sale tax planning, including QSBS where it applies
• ·What life and money look like after the sale

Good fit: Owners three to ten years from an exit.

401(k) for Businesses

Choose and administer the right plan for your business, with a streamlined transition.

• ·Plan design: 401(k), safe harbor, profit sharing and cash balance
• ·Provider selection and a review of what you're paying in fees
• ·Moving from an existing plan with as little disruption as possible
• ·Ongoing review of the plan's investment lineup

Good fit: Owners who want a better plan for themselves and their team.

Small Business Tax

Tax-aware planning for owners and founders, coordinated with your CPA.

• ·How business income flows into your household tax picture, modeled before year-end
• ·Retirement plans for owners: SEP, solo 401(k) and cash balance, as part of the plan
• ·Cash flow planning: what to take out of the business, when, and what it funds
• ·Working alongside your CPA, who advises on entity structure and handles the filings

Good fit: Owners and founders who want the business and the household planned together.

Fathom does not provide tax or legal advice. Entity, compensation and filing decisions belong with your CPA or attorney.