Most financial advisors begin by reviewing your investments. We begin by understanding your full financial picture — your goals, your family, your other professionals, and the decisions you’ve been meaning to get to.
That’s what makes the process different. And it’s what makes the relationship different too.
The first step isn’t a meeting. It’s a conversation. No documents, no spreadsheets, no homework. Your first conversation will typically be with Jamie Upson or another member of the Stonehearth advisory team.
We want to understand where you are and where you’re headed. This conversation takes about 30 minutes. At the end of it, we’ll both know whether it makes sense to keep going.
If it makes sense to move forward, we spend time building a complete picture of your financial life. Investments, taxes, insurance, estate documents, executive compensation, outstanding decisions, family situation.
Most families are surprised by how much coordination is missing when someone looks at everything together.
Before we recommend anything, we identify the places where coordination could make a meaningful difference. We might notice that a Roth conversion window exists before RMDs begin. Or that beneficiary designations don’t reflect the estate plan. Or that a parent’s care needs are about to become a factor in your retirement timing.
We coordinate. You decide.
[PLACEHOLDER — Roth conversion / tax illustration language. Amanda to confirm these are acceptable as illustrative examples — not specific tax advice.]
We don’t replace your CPA or estate attorney. We work alongside them. For many clients, this is the first time the professionals involved in their financial life have been in the same conversation. This is where the Family CFO model becomes tangible →
We manage the investment strategy in coordination with the broader financial plan. And we make sure the other pieces — tax, estate, insurance, family — stay aligned as things change.
The relationship isn’t transactional. When life changes — a job transition, a parent’s health, an inheritance, a divorce, a market shift — we’re thinking about what it means for your whole picture, not just your portfolio. We’re a thinking partner through the transitions, not a vendor who shows up for the reviews.
By the time most families reach us, they have a CPA, an estate attorney, and an investment manager — each doing good work in their lane. What they don’t have is someone making sure those lanes connect.
That’s the Family CFO model. Not more professionals. Better coordination between the ones you already have.
Learn about the Family CFO approach →[PLACEHOLDER — ‘What clients tell us’ section. Amanda to confirm this format doesn’t constitute a testimonial requiring disclosure. If it does, remove or add disclosure. Do not publish without Amanda clearance.]
“For the first time, I felt like someone actually understood how all the pieces fit together — not just the investments.”
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We typically work with individuals and families with $1 million or more in investable assets who are navigating complex, interconnected financial decisions. If that’s you, the first step is a 30-minute conversation.
[PLACEHOLDER — 'no commitment' language. Amanda to confirm this is acceptable. Also confirm '$1M or more' statement is consistent with ADV Part 2A client minimums.]