The Table
A moderated, safe place for the money conversations your family has never had — with rules, so everyone speaks and nobody fights.
The Family Office Build
It was never a decision. It was a tuition bill, then a roof, then a month somebody could not cover — and somewhere in there you stopped being the son, the brother, the cousin, and became the account they draw on. Nobody thanked you for it. Nobody replaced you either.
You became your family’s bank. We turn you into your family’s institution.
The Family Office Build is ninety days that end with your family running on a system instead of on you — one you can say yes inside without writing a check, and no inside without being the villain.
Ten founding families, built five at a time — by application · Reviewed personally
Plain language
A family office is a structure. Not a balance.
Wealthy families are not better at picking investments. They are better organized. What they have that your family does not is not a return — it is an apparatus, and it has four parts.
01An entity that holds itWhat the family owns together sits inside something the family owns together — not in one person’s name, and not in a promise.
02Rules about who decidesWritten before the decision, not argued after it. Who can propose, what needs a vote, and what a vote takes to pass.
03A record of every decisionWhat was decided, by whom, on what date. So nobody has to remember, and nobody has to be trusted to remember.
04Staff to run the processSomebody whose job is that the meeting happens, the filing gets filed, the report gets written. Not a volunteer. Not you.
That is the whole apparatus. Notice what is not on the list: a minimum balance. The structure is the advantage — it is what lets a family act as one instead of as eight people with opinions. Families at the top have it because somebody built it for them: a lawyer, then another lawyer, then a firm, bespoke, at a price that only starts to make sense above a number most families will never cross. That is the reason your family does not have one. Not that it would not work.
What a family office runs on
- An entity that holds what the family owns together
- Written rules for who decides what
- A record of every decision, open to every member
- A process that runs whether or not anyone remembers it
What your family runs on instead
- One capable person holding all of it in their head
- Every request routing through one phone
- Decisions made privately and resented publicly
- Money moving as favors — no rule, no record, no vote
Neither column is about how much money is in it. One of them is a system. The other one is you, and you are already doing the work — you are just doing it from memory, alone, with no record and no vote.
What Good Stewards Does
A safe place to talk about money. A system that makes the money move.
The Setup
We build everything the family decides on — your family’s investment club: the legal entity, the pooled account, the rules and the votes. You talk. We execute. Live in 90 days.
The Technology
Money drawn automatically every month into the family’s own account — invested together toward your family’s number, and invested in your family when it matters: the tuition gap, the rent month, the ticket to where someone needs to be. Every dollar voted. Everything visible to everyone.
Where this sits
The hour, the ninety days, the hundred years.
Every family gets the operating system. The price sets who does the installation. This page is the middle rung — the one where somebody else does the installing.
The Hour · free
Your two numbers
The free assessment and a Hundred-Year Table session. You leave holding your Runway — how many months the family survives if the income stops — your KIN, the Kindred Independence Number at which the family no longer needs you, and a signed Family Charter. Run both numbers now.
The 90 Days · $10,000
Installed for you
The institution built, filed, opened, onboarded, ratified, and transacting. You talk. We execute. Guaranteed to be live by day 90.
The 100 Years · $500/mo
Administered
Continuity — the family’s staff, not software. Begins on day 91, because the first three months of the rhythm are already inside the build.
First, the honest part
What doing nothing costs.
There is no version of this where your family costs nothing. There is only the version where the cost is invisible and lands on one person, and the version where it is on the books and lands on a system.
What the problem costs now
$15,000–$40,000
a year, already
The gifts. The loans that were never really loans. The tuition, the roof, the month somebody could not make rent. Most stewards are carrying this range annually and have never once written it down. It repeats, and it builds nothing. The build costs less than one year of it — and it ends the pattern.
What the category costs
$50,000+
a year
That is a multi-family office. Family-governance facilitators charge ultra-high-net-worth families five figures for the meetings alone. Nobody at either price opens a single account for you. You leave with a well-run conversation and the same to-do list you walked in with.
What replacing it piece by piece costs
$9,000–$15,000
à la carte
Attorney entity work, estate documents, a facilitator, the software, and someone to hold it together. Bought separately it lands in that range — and it still never happens, because no one coordinates the coordinators. Every piece waits on the one before it, and all of them wait on you.
Probate consumes 3–8% of estate value on its way through — which is what the “we’ll deal with it later” plan actually costs, quoted as a percentage of everything you built.
One family institution. One implementation fee. One membership. Unlimited participating households.
Implementation
$10,000
One-time. $2,500 deposit to begin.
Membership
$500/mo
Continuity, beginning day 91. Cancel anytime.
Households
Unlimited
Every branch that joins, included. No per-seat math.
No packages, no upsells, no per-seat math. We never gate a feature — the free tier has the same operating system. What you are buying here is labor and certainty.
How it is delivered
You talk. We execute.
You are not enrolling in anything. There is no curriculum to keep up with and no homework that quietly becomes your job again — which is the exact failure you are trying to escape. Your family shows up and talks. Everything that follows from the talking is ours: the filings, the account, the onboarding calls with your relatives, the drafting, the chasing, the paperwork nobody wants.
Your family does this
- Shows up to the sessions
- Says out loud what it actually wants
- Decides and votes — every decision stays yours
- Signs
We do this
- File the entity and secure the EIN
- Open the brokerage account and connect the rails
- Onboard every household, one call at a time
- Draft the Constitution and run the ratification
- Coordinate the licensed partners on estate and tax
- Chase whatever is not done until it is
Organize
Define. Align. Organize. Execute. Compound.
The Family Wealth System has five stages and they only run in order — you cannot compound what was never aligned. Most families never get past the first, because Define is a conversation and everything after it is work. The Family Office Build is the third stage: where the agreement stops being a conversation and becomes structure.
Define
Name what the family is building. Most families stop here.
Align
Get every household behind one plan, at one table.
Organize
Put structure under the agreement. This is the build.
Execute
Money moves. Every decision proposed and voted.
Compound
The habit repeats, and the next turn is easier.
Here is what Organize actually hands your family. Every line below is a thing that exists on day 90 or it does not, and the calendar further down says which day each one lands.
The legal entity
An investment club formed in your state, with an operating agreement and named officers. The family owns something together, in writing.
The pooled account
A brokerage account in the entity’s name rather than yours, with funding rails connected and tested. Nothing routed through your personal accounts.
Written rules for who decides what
The Charter and the Constitution, ratified by the households: who can propose, what passes, and what happens when the family disagrees.
A vote on every move
Members propose, members vote, the club acts. Nothing happens because one person decided it — including you.
Visible to every member
One dashboard, one ledger, one record. Every contribution matched to who sent it, every decision dated. Nobody has to call you to find out where anything stands.
The process that keeps it running
A meeting rhythm, the reports, the annual cycle — scheduled and produced, so the system does not depend on your memory.
What it does not hand you is a manager. Good Stewards does not select, recommend, or direct investments, and never takes discretion over the account — every investment decision is proposed by a member and made by member vote. Investing involves risk, including possible loss of principal.
Before you ask
You do not need your whole family. You need two of them.
The most common reason a steward does not start is a sentence about somebody else: my brother won’t do it, my mother won’t understand it, my cousin will think it’s a scheme. Every one of those may be true, and none of them is a reason to wait.
3Founding members
Quorum is you and two. That is a legal entity, a funded account, a ratified charter, and a family that votes. It is a working institution on day 90 with three people in it.
Everyone else joins later — and they join something that already exists and already works, which is a completely different conversation from the one where you ask your relatives to believe in an idea. Nobody is recruited into a plan. They are invited to a table that is already set.
This is also the boundary you have been missing. Not “no.” Our family invests together — bring it to the table.
What your family gets
A deliverable with a birth certificate.
Not a folder of documents and a feeling. Six dated milestones, each one a thing that either happened or did not — and a last one that no course, retreat, or facilitator has ever been able to put on the page.
Day 1–15Entity filedIt legally exists
- The investment club formed in your state
- Operating agreement drafted and executed
- Officers named, decision rights recorded
- Filed by us — you sign, that is your part
Day 15–25EIN issuedThe IRS knows
- Federal tax ID in the club’s own name
- The entity can now hold an account
- Tax year and election set correctly the first time
- No trip to an accountant to get here
Day 25–45Brokerage account openIt can hold assets
- A real brokerage account in the club’s name
- Titled to the entity, not to you personally
- Funding rails connected and tested
- Nothing routed through your personal accounts
Day 45–60Founding members onboardedQuorum is seated
- Your founding members in, verified, and able to vote
- Quorum is you and two — never “everybody first”
- Ownership ledger opened and current
- Onboarding run by us, one household at a time
Day 60–75Charter ratifiedThe family agreed
- The Family Charter signed by the households
- How money moves, and who approves it
- What happens when the family disagrees
- Rules that exist before they are needed
Day 90First contributions clearedMoney moved
- Contributions settled into the club’s account
- Matched to the member who sent them
- The ledger balances against the brokerage
- The institution is live and transacting
The guarantee
First contributions cleared — day 90, guaranteed.
If your family’s family office isn’t live by day 90, you get every dollar back. No proration, no deduction for time spent, no conversation you have to survive first. The deliverable is the family transacting — if it isn’t, we haven’t earned the fee.
Read the Day-90 Guarantee terms →Your $2,500 deposit is fully refundable until your kickoff call. Decide tonight; de-risk it completely.
I moderate every founding session myself. Ten founding families, built five at a time. When those seats are taken, founding terms close.
What is actually in it
Everything the ten thousand contains.
Not a folder and a feeling. Every line below is a thing your family keeps, and the figure beside it is what that line costs bought somewhere else — our own price where we sell it on its own, a comparable cost where we do not.
The institution, built
$6,000
The four things that turn a family group chat into an entity that can hold an account. All of it is ours; you sign twice.
Entity filed in your state$2,500comparable
Formation, operating agreement, officers named and decision rights recorded — filed by us, signed by you.
EIN issued, tax year set$500comparable
A federal tax ID in the club’s own name, with the tax year and election set correctly the first time.
Brokerage account opened$1,500comparable
Titled to the entity, never to you personally. Document pack assembled, application run, funding rails connected and tested.
Founding members onboarded$1,500comparable
We run the identity chase — all six escalation rungs, in your steward’s name. The part every family stalls on is the part you do not do.
The family’s system, installed
$12,799
The software is free to run — but nobody installs it. This is it installed, with the parts of a family office a document set never contains.
Family Constitution and Founding Council$4,000comparable
The one-page charter grown into the governing document: how money moves, who approves it, what happens when the family disagrees. Ratified and signed.
The family’s operating rhythm$1,500comparable
A dashboard every household reads the same way, the investment strategy that says what this family will and will not own, your KIN written into it as a target, and a meeting cadence that survives a busy quarter.
Family crest and identity$500comparable
Your family’s name, values, and crest — designed, voted on by the family, and carried through everything the club produces.
The Family Vault, uncapped$1,200comparable
Every document a family needs on its worst day — filed, dated, and reachable. Every family member, every adviser, unmetered storage and questions. Expiry reminders, an assistant that reads the index, and access for the attorney and the executor without handing them the keys to everything.
The exit, written before it is needed$2,500comparable
When a member wants out — or marries, or dies — it is a form and a number, not a lawsuit. Withdrawal agreement, transfer, and a capital account per member kept current from day one.
A concierge and a live build tracker$3,000comparable
A named person in a message thread for ninety days, and a dashboard showing exactly which day you are on, which milestone is moving, and what is next.
Automatic contributions$99our price
Contributions arrive on their own each month, already matched to the member who sent them.
The professional work, delivered
$5,800
Produced with licensed partners, on our clock rather than your calendar. Never the reason to buy the build — but never an upsell either.
The year’s tax strategy$2,500our price
Built for your club and walked through with your officers — with wash-sale monitoring, harvest opportunities flagged, and quarterly estimates running underneath it all year.
K-1s and the tax close$300our price
Your partnership return package and a K-1 for every member, generated from the ledger you already keep.
The family’s estate plan$3,000our price
Documents produced with Trust & Will and licensed attorneys where a state requires one — then the four failure modes documents alone never close.
And the first quarter after day 90
$1,500
The build ends on a day. Families do not. The three months where a new institution either becomes a habit or becomes a folder are the three months you do not pay for.
Continuity, months 4–6 — included$1,500our price
Facilitated family meetings, the numbers report, and the Return on Family report, for the first quarter after the build — then $500/month only if you keep it.
Bought separately$26,099
The Family Office Build$10,000
You do not pay $16,099 of that. And the line that makes all the others work is not on the list at all: somebody whose job it is that each one happens, in order, by a date.
Figures marked “our price” are what we charge for that service on its own. The rest are comparable costs — what the same work runs bought separately — and are estimates, not quotes. Third-party filing fees, franchise fees, and registered-agent fees are passed through at cost and are not included in either column.
Estate documents are produced with Trust & Will, our document partner, and licensed attorneys where a state requires one; the year’s tax strategy is delivered with licensed tax partners. Neither is the reason to buy this. Good Stewards is not a law firm, an accounting firm, or a registered investment adviser.
Estate
An estate plan fails in five ways. Documents are one.
Probate consumes 3–8% of estate value before anything reaches anyone. And the family that gets hurt is rarely the one with no documents. It is the one where the documents exist and four other things are true:
01CompletionThe plan was started and never finished. A draft will is not a will.
02Family-wide coverageYou are covered. Your parents and your siblings — the people whose estates will actually land on you — are not.
03CommunicationThe documents exist and nobody knows what they say, so the family litigates its way to the answer.
04The vaultNobody can find the policy, the deed, or the account without calling you first. That is the whole failure mode you are trying to end.
05MaintenanceIt was right in 2019. Since then: a marriage, a birth, a house, a business. Beneficiary designations outrank the will, and they went stale.
We close all five inside the build: coverage across every household that will land on you, the conversation that keeps the family out of court, the vault so nobody has to call you to find anything, and the annual review that catches the beneficiary designation you forgot. Documents are produced with Trust & Will, our document partner, and, where a state requires one, licensed attorneys. Good Stewards is not a law firm and does not provide legal advice.
Day 91
Then your family has staff.
The build ends and Continuity picks it up at $500 a month. The first three months of this rhythm already ran inside the build, so nothing starts on day 91 — it just keeps going. Anyone can start a family institution. Membership is how it is still running in year five.
$500 a month is not a software subscription. The software is free and stays free — the family running itself pays nothing for it. What the membership buys is people: the facilitator who runs your family meeting, the administrator who keeps the ledger, the vault, and the ownership record current, and the coordination with the licensed partners who file the partnership return and issue a K-1 to every member. It is the line on the family-office list that reads staff.
One table, two returns. Return on Investment — your money, pooled and invested together, chosen by vote. Return on Family — your people organized, protected, and helping each other on purpose. The brokerage statement measures the first. The Return on Family report measures the second.
Every month
- A facilitated family meeting — we run it, you preside
- The numbers report, delivered
Every quarter
- The Return on Family report
Every year
- Partnership tax return and a K-1 for every member
- The Annual Family Summit, produced — data pack, agenda, facilitation guide
- The printed Family Annual Report
When a money moment lands
- A death, a windfall, a sale, a big decision — coordination on call
Where this starts
It can start at $2,999.
Most families arrive here through Estate Foundation: one household, an estate plan finished in thirty days, $2,999, delivered personally. Every dollar of it applies in full toward the Family Office Build within 90 days.
The two are not the same job. Estate Foundation protects your family from the day they lose you. The Family Office Build handles every other day — the requests, the decisions, the money — so they stop running through your phone while you are here. If you would rather begin with the smaller one, begin there. The credit is real, and it is the whole amount.
And if you came straight to this page, nothing is missing. The Family Office Build stands on its own: estate documents are produced inside it with our document partner and, where a state requires one, licensed attorneys. Nobody has to buy the first rung to stand on the second.
Straight answer
Where our job ends.
Good Stewards is coordination software for self-directed family investment clubs. We are not an investment adviser, a broker-dealer, a law firm, or an accounting firm, and we do not give legal, tax, or investment advice.
We do not choose what your family buys. We do not recommend a security, an allocation, or a strategy, and we never take discretion over the account. Every investment decision is proposed by a member and made by member vote. Investing involves risk, including possible loss of principal. Brokerage services are provided by Alpaca Securities LLC, member FINRA/SIPC.
We do not hold or direct your family’s money. Contributions settle between regulated institutions — your bank, the club’s account, the brokerage — and never with us.
The entity, the charter, and the estate documents are produced with licensed partners, and where a state requires an attorney, an attorney does that work. We coordinate it. We do not perform it.
And we do not tell you what a structure will do to your taxes or what it will protect. Whether an entity changes a family’s tax position, or shields anything from anyone, is a legal and tax conclusion. It belongs to your attorney and your CPA, not to a page that is trying to sell you something.
What we guarantee is the one thing that is ours to guarantee: your family’s institution live and transacting by day 90, or every dollar back. The terms that qualify it.
The artifact
A volume the family keeps on the shelf.
Your Constitution and the Playbook aren’t a folder of PDFs. They’re one bound record — the agreement your family ratified and the process it runs by. Something the next generation can pick up and continue without having to call you to explain it.
One source of truth, made to outlast any single steward.
Begin
Start with your two numbers.
Two questions, under a minute, free — your family’s rough Runway and KIN. Both numbers make this decision obvious in either direction, which is the point. Ten founding families, built five at a time — by application. Or run the two numbers in a minute.
Already decided? Book a strategy session.
Ten founding families, built five at a time — by application