Kotini & Kotini runs one team across six financial disciplines: tax, wealth, estate, risk, business, and lifestyle. The Virtual Family Office is the engagement. The six disciplines below are how it gets delivered.
The family office, reimagined.
Inside one fee structure, K&K coordinates the six disciplines below through a vetted network of 80–100+ specialists. Built for first-generation wealth builders typically earning $500K+, with significant complexity, equity, or upcoming capital events. The threshold is a guideline, not a cutoff.
Each discipline below has its own dedicated page. This page routes you to the right starting point.
Proactive strategies that work before December 31, using the 98% of the tax code most traditional CPAs aren't paid to plan around. Your CPA still files; we hand them a clean strategy. Average client savings around $54,000.
The quarterbacking layer above your portfolio. K&K coordinates with credentialed CFPs, CFAs, and RIA partners who handle the licensed investment work, while we keep their decisions aligned with your tax, estate, and risk plans.
Wills, trusts, charitable structures, and beneficiary coordination. K&K designs the strategy; partner attorneys draft the documents in their licensed capacity.
Entity structures separate assets from liability. Insurance transfers the financial consequence to a carrier. K&K coordinates both layers and facilitates placement through partner attorneys and vetted brokers.
Enterprise value, exit and succession planning, and employee benefits for owners whose business is the largest position on the personal balance sheet.
Personal-side coordination that keeps a high-complexity life from absorbing the gains the other five disciplines create. Scope is being formalized; current clients access concierge support inside the engagement on request.
The Virtual Family Office model
Every K&K engagement is one Virtual Family Office relationship, scoped to the disciplines that fit your situation. A typical engagement includes a Proactive Value Review (every recommendation, projected impact, and full fee structure disclosed before you commit), a review of the last three years of tax returns, a coordinated implementation plan, monthly touchpoints, and quarterly reviews.
K&K does not file tax returns, draft legal documents, custody assets, execute trades, or place insurance directly. Those are the licensed roles partner specialists fill, with K&K running the playbook between them.
The relationship starts with a complimentary mutual-fit discovery call (30 to 45 minutes), covering your tax, insurance, estate, investment, and business structure at a high level.
From there, the engagement moves through Discovery & Risk Assessment, providing a comprehensive understanding of your current financial position and identifying opportunities.
The engagement then progresses through the Proactive Value Review and ongoing implementation, turning recommendations into action through a coordinated long-term partnership.
See how the engagement works for the full step-by-step and about Kotini & Kotini for the founder story.
or call (804) 372-8307.
Richmond, Virginia · Serving clients in all 50 states.
Important disclosure: Kotini & Kotini coordinates planning across six disciplines through a vetted network of credentialed partners. K&K does not file tax returns, draft legal documents, custody assets, execute trades, or place insurance directly. Those services are delivered by licensed partner specialists who remain responsible for their own work. See our disclosures page for the full description of the coordination model and partner relationships.
