Rain Dog was built to serve high-net-worth and very-high-net-worth households that have outgrown rule-of-thumb financial planning but can’t see paying 1% per year for lightly customized financial advice.

Even with assets of $3 million to $10 million or more, these households don’t necessarily see themselves as wealthy. They aren’t looking for full family office support, but they want meaningful investment and tax management at a fee level that makes sense.

Do any of these sound familiar?

• You understand investments and stay current on many financial topics.
• You have managed your portfolio yourself and could probably continue doing so.
• Your portfolio has become large and complex enough that taxes, asset location, concentrated positions, real estate, and withdrawal strategy interact and materially affect overall performance.
• You realize that there are probably a few things you aren’t doing because you don’t have time to maintain expertise in every relevant discipline.
• You want an advisor your spouse or heirs can rely on.
• You want impactful investment and tax management—not bill payment, aircraft administration, art consulting, or an in-house legal department.

Rain Dog’s practice and fee structure are designed to support this kind of high-net-worth household.

Most Rain Dog clients could manage their own investments, and many have done so for years. What they don’t have is the time or inclination to do everything that needs to be done, year after year, and they’ve reached a point in their lives when they’d rather offload much of the detailed coordination and tracking to someone else. The work they choose to offload includes:

• Coordinating taxable and retirement accounts with real estate, K-1 income, and other significant holdings as one portfolio.
• Locating investments across accounts based on the household’s actual tax situation rather than rules of thumb.
• Planning for shifts in investment strategy over time, such as creating a glide path into retirement, sustaining spending during retirement, and maximizing after-tax estate value.
• Coordinating decisions involving Roth conversions, Medicare thresholds, RMDs, charitable giving and estate objectives.

These decisions are not particularly difficult in isolation, but they need to work together. They need to be reviewed regularly and when circumstances change. When a household reaches $3-$10 million or more, consistency matters, and the benefits compound materially year after year.

Rain Dog provides this ongoing coordination to households in Bellevue and throughout the greater Seattle area.

If this sounds like a fit, the next step is a brief introductory call or meeting to determine whether working together would be beneficial.

During this conversation, we typically cover, at a high level:

• The history of your work with financial professionals, including financial advisors, CPAs, and estate planners
• Your near-term and long-term life goals
• Current specific decisions or tradeoffs you’re evaluating
• How we would approach those decisions, and where we would add value
• Your investment assets
• Whether our working style matches how you prefer to think and decide

This conversation is exploratory, not a commitment. Whether it ends up being a fit or not, we’ll be happy to talk with you and we’ll be candid about whether it makes sense to continue.