Your body gets an annual panel. Your finances should too.
Carrara reads your financial life the way a good doctor reads your bloodwork. Twelve markers, real reference ranges, and a fiduciary who tells you what to do about the ones that are off.
Illustrative only. A real panel is built from your holdings, tax return, comp structure and goals.
All twelve markers →Financial health is foundational to living well.
Taking control of your finances means gaining the freedom to focus on what really matters to you. Our team continuously tracks your financial markers, keeping you accountable and the system flowing as intended.
Four steps. Four weeks.
The sequence matters, so we guide you through it. Nothing is billed until step three, and there is no obligation to continue past it.
Intake
Thirty minutes. We map your income, equity comp, assets, liabilities, entities and what you actually want the money to do.
Week onePanel
We build your twelve markers from real statements and your last return, then walk you through every reading in plain language.
Week twoPlan
Every off-range marker gets a specific correction, a new target and a date. You see the tax cost of each move before it happens.
Week threePractice
We manage the portfolio, run the calendar, coordinate your CPA and attorney, and re-read the panel on an ongoing basis.
Week four & onwardsWhat isn't in it.
Most firms describe what they offer. We think it is more useful to publish what you don't get when you work with us.
Outside capital
No private equity owner, no roll-up, no five-year exit clock shaping how many clients we take.
Commissions or revenue sharing
We are paid by you and only by you. Nothing we recommend pays us.
Proprietary products
Portfolios are built from what's best available, not from a shelf we happen to own.
Custody of your assets
Everything sits at Schwab in your name. We can trade it. We can't move it.
Off-the-rack model portfolios
Separately managed accounts, built position by position, in-house.
Sales team
The person who builds your portfolio is the person you call with questions. No hand-off.
No surprises. Full transparency. Always.
Fee-only means the schedule below is the entirety of what we are paid. No commissions, no revenue sharing, nothing from a third party.
| Assets under management | Annual rate |
|---|---|
| $100,000 – $1,000,000 | 1.00% |
| Next $2,000,000 | 0.85% |
| Next $2,000,000 | 0.70% |
| Above $5,000,000 | 0.55% |
Separately managed accounts built position by position, not assembled from a model shelf.
One fee covers every line above. No commissions, no product revenue, no separate planning bill.
Illustrative schedule shown for design purposes. The operative schedule is the one in your executed investment management agreement and Item 5 of Form ADV Part 2A.
Four ways this usually begins.
$412,000
5,000 shares vesting at $180. California resident, top federal and state brackets, before any planning.
Most of that is unavoidable. The part that isn't comes down to when you sell, what you give, and whether the position is hedged before the window closes.
Open the equity comp planner →Figures are illustrative scenarios, not projections, recommendations, or results achieved by any client. Assumptions are shown alongside each figure, and individual outcomes depend on facts we don't yet know about you.
Thirty minutes. No preparation.
Leave knowing which of your financial markers are within range and which require urgent attention.
We publish the playbook.
The strategies we actually run for our clients, written out in full. If you want to implement them yourself, the research is at your fingertips.
Equity & TaxLong-short direct indexing: a sophisticated path out of a concentrated tech position
Read →
Equity & TaxBorrowing from the market: box spreads for mortgages, margin and concentrated stock
Read →
Family & Life