Most of your net worth sits inside the company, and the business and personal balance sheets have never been planned as one. Kotini & Kotini is the Virtual Family Office that quarterbacks tax, wealth, risk, legal, and business advisory so household and business run on the same play.
K&K is built for first-generation wealth builders running an operating company at roughly $2M+ revenue with personal earnings typically $500K+. That's a guideline, not a hard rule. Significant equity, an upcoming capital event, or meaningful complexity below the income line frequently qualifies.
It isn't the right fit if you want the cheapest tax prep in town or a set-and-forget advisor you talk to once a year. K&K doesn't file taxes; your CPA files. K&K plans the work that happens between filings.
The operating company and the household share the same tax exposure, the same risk profile, and the same cash flow. K&K runs the conversation between them across six disciplines, backed by a vetted Virtual Family Office network of over 80 specialists who complement the advisors you already trust.
Entity-level strategies, owner-comp structuring, and proactive moves implemented before December 31. Your CPA stays your CPA; we hand them a clean strategy. See advanced tax planning and business tax strategy.
Quarterbacked alongside your existing CFP or CFA, or introduced through vetted partners if you don't have one. See our wealth coordination approach.
Enterprise value work, cost remediation, growth consulting, employee retention strategy, and AI-powered tools that empower your CPA and finance team rather than replace them. See our business advisory practice.
Exit and succession planning starts well before a sale so tax strategies have runway. For owners not planning to exit, the same scaffolding handles partnership changes, equity restructurings, and second-generation transitions.
Key-person coverage, buy-sell agreements, and business protection treated as coordinated strategy.
Estate plans, trusts, and employee benefits facilitated through partner attorneys.
That's The Virtual Family Office Model. One team, six disciplines, one quarterback.
Comprehensive overview across tax, insurance, entity structure, investments, estate, and business protection.
Every recommendation, projected impact, full fee structure, and projected ROI before you sign. Value in multiples.
Three-year tax-return review, portfolio analysis, estate audit, and execution across every discipline, then monthly touchpoints, quarterly reviews, and lifestyle concierge support for the logistics around your wealth.
Through entity-level returns plus the owner's personal return, flowing together based on entity type and distributions. Your CPA answers the compliance question. K&K plans alongside your CPA so the planning happens before the return is due.
At minimum: entity structuring, advanced tax planning, business protection (buy-sell, key-person), exit or growth-runway planning, personal wealth building outside the business, and an estate plan. Coordinated as one plan, not bought piecemeal across five advisors.
The earlier the better. Three to five years of runway gives capital-gains mitigation time to work; longer is better. If you're more than five years out or not planning to exit, the same coordination still pays off in lower year-over-year tax leakage and a business that's actually transferable.
A CPA handles compliance, bookkeeping, and filing, and a great one is invaluable. A Virtual Family Office is the quarterback above the CPA. We coordinate proactive strategy across tax, wealth, risk, legal, and business advisory so the CPA's filings line up with the rest of your plan instead of fighting it.
Engagements are scoped to your situation with a one-year minimum so strategies have time to work. Every Proactive Value Review discloses the full fee structure and projected impact before you commit.
The discovery call is a conversation, not a sales pitch. We name the gaps we see and give an honest read on fit.
Or call (804) 372-8307
Important disclosure: Kotini & Kotini coordinates planning across six financial disciplines. Tax filing is performed by your CPA or by CPA partners coordinated through the K&K Virtual Family Office network. Investment advisory work is performed by credentialed CFPs, CFAs, or RIA partners operating in a fiduciary capacity. Legal documents are drafted by partner attorneys in their licensed capacity. K&K does not custody assets, execute trades, file tax returns, draft legal documents, or perform business valuations directly. See K&K disclosures for the full description of the coordination model.
