Five advisors, an estate outgrowing its own plan, and a next generation old enough to inherit. Kotini & Kotini is the boutique Virtual Family Office that coordinates tax, wealth, estate, and risk across generations so no corner of the plan quietly undoes another.
A single wealth manager works until the picture stops fitting on a single statement. Once a family has a meaningful estate, multiple income sources, philanthropic intent, a closely held business, or children old enough to inherit, the bottleneck stops being investment performance. It becomes coordination.
Most HNW families end up in one of two places. The stacked-advisor model has each specialist excellent in their lane and oblivious to the others: the estate plan misses the new entity structure, a buy-sell doesn't talk to the trust the family funded last year. The institutional family office solves coordination and introduces three new problems: $25M to $50M minimums, six-figure retainers, and a captive product shelf.
K&K is built for the gap in between. Boutique by design. No institutional minimum. No captive product. Your specialists keep their seats; we run the layer that keeps them calling the same play.
Proactive multi-entity strategies, charitable structures, gifting and basis decisions, and forward legislation planned before December 31.
Quarterbacked with your existing wealth manager or a credentialed CFP/CFA from our vetted network. K&K does not custody assets or manage portfolios; we coordinate so the investment plan matches the tax, estate, and risk plans.
Wills, trust planning, charitable giving structures, and beneficiary review connected to the rest of the plan.
Coverage as an asset class, not a line item. Life insurance structured inside the estate plan, long-term care coordinated with the wealth plan, umbrella and liability matched to actual exposure.
For families with a closely held company: enterprise value, exit and succession, buy-sell coordination, and the tax-and-estate consequences of every move.
Document organization, vendor coordination, and family-meeting facilitation that quietly fall on a spouse or executive assistant when the family has no central operations layer.
For most families at this level, the real question isn't "how do we keep growing the number." It's "what happens when this moves to the next generation."
Estate planning can stagger distributions, tie disbursements to milestones, fund education and entrepreneurship before consumption, or route a portion through a family foundation so the next generation grows up giving rather than receiving. Strategy belongs in the planning layer; partner attorneys execute the documents.
Most HNW families already give. Fewer give through a structure that captures the income tax deduction in high-earning years and compounds the gift over time. Donor-advised funds, charitable remainder trusts, charitable lead trusts, and private foundations each fit a different shape of intent.
Underneath both conversations sits the federal lifetime gift and estate tax exemption, scheduled to sunset at the end of 2026 unless legislation changes. Families above the future threshold are in a planning window that closes regardless of what they do.
Your existing advisors stay in the picture. Your CPA stays your CPA. If you have a wealth manager you trust, they keep that seat; if not, our vetted network of over 80 specialists complements the advisors you already have. The network spans the disciplines an estate at this level touches:
Partner CFAs, CFPs, and attorneys do the licensed work in their capacity. K&K is the strategy and coordination layer above all of them.
Engagements are scoped to your situation with a one-year minimum. Every Proactive Value Review discloses the full fee structure and projected impact before you sign. K&K was built by a first-generation wealth builder for first-generation wealth builders; that's on our story page, and the first 90 days lives on our process.
There's no single number. Net worth matters less than complexity: a closely held business, concentrated stock, real estate, philanthropic intent, or heirs approaching an inheritance can each create the need well before a balance-sheet milestone. K&K's Virtual Family Office is built for families who carry that complexity without the assets a traditional family office demands.
The conventional threshold is $1M+ in investable assets, with $5M to $30M described as "very-high-net-worth" and $30M+ as "ultra-high-net-worth." K&K is built around HNW complexity (multiple disciplines, generational concerns, philanthropic intent, often a closely held business) regardless of how a specific institution labels the tier.
Most do, and the wealthiest families almost never rely on a single one. They use coordinated teams of specialists, which is what a family office structure provides. K&K brings that to families who outgrew the single-advisor model but don't fit the institutional family office.
Divide 72 by your expected annual rate of return to estimate how many years it takes a sum to double. It's a directional shortcut, not a planning tool. Real wealth preservation depends on tax efficiency, structure, and coordination.
Roughly 22 million U.S. households cross the millionaire threshold, and the majority are first-generation wealth builders. K&K's clients typically sit above that with complexity from multiple income streams, a closely held business, real estate, and an estate that needs a coordinated plan.
The discovery call is a mutual-fit conversation, not a sales pitch. We cover your tax, estate, investment, risk, and business picture, name the gaps, and give an honest read on fit.
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Important disclosure: Kotini & Kotini does not provide legal advice and does not draft legal documents. Estate, trust, and charitable planning legal services are provided by credentialed partner attorneys operating in their licensed capacity. K&K does not custody client assets or manage portfolios directly; investment strategy is quarterbacked alongside credentialed CFPs, CFAs, and partner Registered Investment Advisors. See our disclosures page for the full description of the coordination model and partner relationships.
