K&K's Virtual Family Office model runs in three steps, in order, with one coordinated team from discovery through ongoing advisory. You always know what's happening and who's working on it.
A comprehensive look across tax exposure, insurance gaps, estate planning status, investment positioning, entity structuring, and retirement trajectory. By the end, your dedicated proactive planning team has a clear picture of where the gaps are and where the biggest opportunities live.
Every recommendation, the projected impact, the statement of work, and the full fee structure are on the table before you sign. Fees vary by engagement scope, income, and complexity. You see the math first.
Coordinated execution across every discipline. Many clients experience value within the first 90 days.
Two ways to enter the process, depending on how much hand-holding makes sense for your situation.
Concierge-style. Additional diagnostic meetings during Step 2 walk you through the questionnaire in real time. Best for clients whose situation is complex enough that a worksheet wouldn't capture it cleanly.
Self-directed. You complete the diagnostic questionnaire on your own time, and the team picks up the analysis from there. Best for clients with well-organized records who want to compress time between Step 2 and Step 3.
Both paths lead to the same Proactive Value Review and the same engagement.
The three steps above are the full engagement. Most clients begin with one paid, low-risk step that proves the value before anything else.
The Diagnostic
For a flat $995, our team runs a comprehensive diagnostic of your complete tax picture and delivers a clear, written report. It pinpoints the hidden tax-saving opportunities, structural gaps, and wealth risks that advisors working in isolated silos routinely miss.
Our ironclad commitment makes the decision easy. If the Diagnostic doesn't identify at least $10,000 in estimated tax savings, we refund what you paid. Your recommendations stay yours alone and are never presented to anyone else. And if you move forward, that fee is credited toward your first invoice. The Diagnostic either pays for itself in identified savings, comes back to you, or rolls into the work. There is no version where you lose.
The complimentary mutual-fit discovery call runs 30 to 45 minutes. The full Discovery & Risk Assessment typically takes one to two additional meetings spread over a week or two. The Proactive Value Review usually lands within 30 days of the initial conversation.
The working session where you see exactly what K&K recommends, why we recommend it, and what the projected impact is across tax, wealth, estate, and risk. Full fee structure and projected ROI are disclosed at this stage. You see the math before you sign.
Guided includes additional concierge-style diagnostic meetings during Step 2; the team walks you through the discovery questionnaire in real time. Accelerated lets you complete it independently and compresses time between Step 2 and Step 3. Both paths lead to the same Proactive Value Review.
Many clients identify meaningful tax savings within the first 90 days, because the highest-impact moves typically need to happen before December 31. The full plan unfolds over the first year and gets re-tested every quarter.
(804) 372-8307 · info@kotiniandkotini.com
Monday–Friday, 9:00 AM – 5:00 PM EST · Richmond, Virginia · Serving clients nationwide
Important disclosure: Kotini & Kotini does not provide legal advice and does not draft legal documents. Estate, trust, and business legal work is facilitated through partner attorneys who provide those services directly. K&K coordinates wealth strategy through credentialed RIA partners who operate in a fiduciary capacity; K&K does not custody assets, execute trades, or make portfolio decisions directly. See our full disclosures page for the complete description of the coordination model and partner relationships.
