What We Do | Integrated Wealth Management
Turn your life’s savings into a lasting retirement income strategy
Integrated Wealth Management ensures you keep more of what you’ve earned, optimizing your wealth for long-term growth.
Ready to keep more of your hard-earned wealth?
Retirement isn’t about spreadsheets—it’s about freedom. We help you structure investments, Social Security, and pensions into a tax-smart income plan that funds the lifestyle you want.
What we do for you
We provide a comprehensive framework to identify and prioritize what you are hoping to achieve in life, then craft a plan to efficiently allocate your resources to make it a reality. Throughout the year we monitor and adjust across your entire financial picture, with an obsessive focus on tax efficiency.
Our Process
Make Your Wealth Work for You with Our Comprehensive Framework
It’s important to both identify and prioritize what you are hoping to achieve before you can efficiently allocate resources to make it a reality. Our comprehensive framework is designed to create, cultivate and conserve your wealth.
Step 1
Allocate
Plan your retirement income streams and spending priorities. Leverage holistic planning to maximize income, optimize cash flows, protect assets and allocate resources to meet your objectives.
Step 2
Grow
Protect growth while managing risk as retirement nears. Prioritize tax-efficiency and liability matching to maximize returns, diversify assets, and position investments for optimal growth.
Step 3
Conserve
Reduce tax drag so more of your income stays with you. Safeguard your hard-earned savings by minimizing tax drag and leveraging every available tax advantage so more money stays in your pocket.
Demand a fee-only fiduciary that will put your best interests first, period.
So What Does It Cost?
We believe in simple, transparent pricing—no hidden commissions or surprise costs.
We establish a minimum fee based on how complex your situation is and primarily earn fees on investments we manage (AUM Fees)—this is your minimum annual retainer fee. This is determined prior to working together, and is reviewed and adjusted annually as your situation evolves with your written agreement. The minimum fee will not change during the course of the year and your first year will be prorated accordingly, if applicable.
In order to provide the highest level of service, there is generally a $10,000 annual minimum fee to retain the Integrated Wealth Management services of Cavalot Capital.
How Do You Determine “Complexity”?
Based on how complicated your financial life is. A couple with multiple businesses, equity compensation and rental properties doesn’t require the same firm resources as a single employee on salary.
Wealth Management Fee Estimator
Every situation is unique, in order to provide you with an approximate cost for our Integrated Wealth Management Services please provide some basic information below.
Please note this is not a final quote for services, after assessing your situation we will provide you with a final quote once we are able to meet and walk through your challenges.
How Do I Pay Fees?
We offer three options to suit your needs.
AUM Fees*
Debited directly from your investment accounts we manage, monthly (see table below)
ACH or Credit Card
Monthly or quarterly debit from your bank or charge to your credit card
Combination of Both
Have some of the fee debited from investment accounts and pay the remainder
Assets Under Management Fees
Cash, Bank Accounts, Other Liquid Assets, Taxable Brokerage Accounts (Individual, Joint, Trust, Custodial) IRA Accounts (Roth, Traditional, SEP, SIMPLE), Solo 401k, Qualfied Plans from former employers that are eligible for rollover. For other account types please inquire, 401k/403b balance at your current employer is not eligible.
| Asset Value Range (Low) | Asset Value Range (High) | Annual Minimum Fee | Blended Fee % | Effective Rate |
|---|---|---|---|---|
| $0.00 | $750,000.00 | $10,000.00 | 1.35% | 1.35% |
| $750,001.00 | $1,500,000.00 | 0.65% | 1.00% | |
| $1,500,001.00 | $3,000,000.00 | 0.55% | 0.78% | |
| $3,000,001.00 | $5,000,000.00 | 0.45% | 0.65% | |
| $5,000,001.00 | $10,000,000.00 | 0.35% | 0.50% | |
| $10,000,001.00 | $15,000,000.00 | 0.25% | 0.42% | |
| $15,000,001.00 | - | 0.15% | - |
Effective rate is the total annual fee as a percentage of assets at the top of each range. Example: $3,000,000 = $750,000 × 1.35% ($10,125) + $750,000 × 0.65% ($4,875) + $1,500,000 × 0.55% ($8,250) = $23,250 (0.78%). Subject to a $10,000 annual minimum fee. Fees are negotiable. See our Form ADV Part 2A for full details.
FAQ
So You Might Be Wondering…
If you don’t see the answer to your question here, let us know.
How often and how will we meet?
In the beginning we will typically meet 3-5x and after that it depends entirely on your preference. We have some clients that like to do monthly check-ins and others that prefer to only meet when they have life events that have altered their goals or changed their circumstances. We are always available to answer questions and provide guidance on anything financial.
We can meet in-person either in Tahoe or Redding, via video or phone.
Will I be able to contact you directly or through an assistant or associate?
We typically work as a team with Ted handling most retirement clients and Damian handling more complex planning, tax and investment matters.
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Does your financial plan utilize every strategy for your long-term success?
We provide a comprehensive framework to identify and prioritize what you are hoping to achieve in life, then craft a plan to efficiently allocate your resources to make it a reality. We provide ongoing support and check-ins throughout the year so you don’t have to go it alone.
Everyone has a Why. Let’s find yours.
Reach out for a no-pressure conversation.
