Fee-only wealth management for newly minted and long-time millionaires.
At $1M-5M investable, retail robo-advisors undershoot while HNW boutiques may not serve under $5M. The mass-affluent gap. Key planning dimensions: tax-efficient asset location, direct indexing availability, Roth/backdoor-Roth optimization, real-estate and alternative diversification, estate-plan basics (revocable trust, beneficiaries), insurance ri
What our matched specialists handle
- I just crossed $1M — do I need a real advisor?
- Vanguard PAS vs Fidelity Go vs fee-only RIA — which fits my asset level?
- Tax-efficient asset location across my accounts — am I set up right?
- Direct indexing — is it worth it at my size?
- Estate plan — I don't have one, what are the basics?
- Insurance review — over-insured on some, under on others?
Tools & guides
Millionaire Wealth Trajectory Calculator
Project your wealth trajectory and compare fee-only vs wirehouse AUM fees compounded over your investing horizon.
Direct Indexing: Is It Worth It at $1M–5M?
Calculate your estimated tax-alpha benefit and learn when direct indexing makes sense — and when it doesn't.
Backdoor Roth IRA: 2026 Step-by-Step Guide
Over the Roth income limit? Here's the two-step strategy that bypasses it — plus the mega backdoor Roth for up to $39,500 more per year.
Tax-Efficient Asset Location: $1M–$5M Guide
Which assets belong in taxable, traditional IRA, and Roth? Done right, this is worth $5,000–$30,000/year in deferred taxes. Interactive analyzer included.
Estate Planning for New Millionaires
You won't owe estate tax — the 2026 exemption is $15M. But beneficiary designation errors and the inherited IRA 10-year rule can cost your heirs $100K+. Here's what you actually need.
Vanguard PAS vs. Fidelity vs. Fee-Only RIA
Side-by-side comparison of the three main options at $1M–$5M: real fees, real tradeoffs, and an interactive fee calculator.
Insurance Review: What to Keep, Drop, or Add at $1M–$5M
Your insurance priorities flip when you cross $1M. Umbrella liability becomes critical. Life insurance needs reassessment. Disability is often the biggest gap. Includes an umbrella coverage estimator.
Rental Property vs. Index Funds: What the Math Shows
Should you put $200K into a rental or stay in index funds? Passive-loss limits, depreciation recapture, and 7% mortgages change the answer. Interactive comparison calculator.
Concentrated Stock Diversification for $1M–$5M
RSU windfall or inherited position stuck in one ticker? Four strategies — staged sell-down, exchange fund, DAF, CRT — with an interactive tax calculator.
Roth Conversion Strategy: 2026 Bracket Optimization
Should you convert your traditional IRA to Roth? Interactive calculator shows your annual conversion sweet spot, IRMAA exposure, and years before RMDs force distributions at higher rates.
Tax-Loss Harvesting: The $1M–$5M Investor's Guide
Turn market dips into permanent tax savings without changing your investment exposure. Includes an interactive calculator estimating your annual benefit, ETF swap strategies, and when to consider direct indexing.
Social Security Claiming Strategy for $1M–$5M Investors
When to claim, when to delay, and how your portfolio changes the math. The 85% SS tax trap, IRMAA interactions, and an interactive break-even calculator.
Alternative Investments for the $1M–$5M Investor
Crossing $1M unlocks accredited investor status — and a new tier of investments. REITs, BDCs, interval funds, private credit: what's worth it at your asset level and what to skip. Interactive allocation estimator included.
Charitable Giving Strategy: DAF, Bunching & Appreciated Stock
Donating appreciated stock to a donor advised fund can save 15–20% more than cash giving — and a QCD at 70½ beats both for retirees. Interactive tax calculator shows your specific savings.
I Just Hit $1M: Your 90-Day New Millionaire Checklist
The moves that actually change when you cross $1M — and in what order to do them. Interactive checklist with 20 prioritized action items.
How to Invest $1 Million Dollars: A 2026 Guide
Asset allocation framework, account structure, and five strategies that unlock at $1M — plus an interactive portfolio allocator showing your optimal stock/bond/alternatives split.
Retirement Withdrawal Strategy: 2026 Safe Spending Guide
How much can you safely spend from $1M–$5M? 4% rule vs. guardrails, portfolio longevity calculator, withdrawal order, OBBBA senior deduction, and IRMAA planning.
RSU & Stock Options Tax Planning: 2026 Guide
RSUs withheld at 22% — below most millionaires' marginal rate. ISOs can trigger a six-figure AMT bill in a single exercise year. Interactive ISO AMT exposure calculator shows your crossover point before you act.
529 Superfunding: Move $190K Out of Your Estate Tax-Free
Front-load five years of gift tax exclusions into a 529 plan in one contribution. Interactive calculator shows the compounding advantage vs. annual gifting — plus the 529-to-Roth IRA rollover angle under SECURE 2.0.
Selling Your Business: Tax Planning and What to Do with Proceeds
QSBS can eliminate up to $15M in capital gains — but only if you plan before signing. Stock vs asset sale, installment strategies, pre-close charitable moves, and a tax estimator for business sellers at $1M–$5M.
How to Find a Fee-Only Financial Advisor: A 2026 Guide
The four registries to search (NAPFA, XY Planning, Garrett, CFP Board), questions to ask, red flags to avoid, and an interactive vetting scorecard to compare candidates.
IRMAA Planning: Avoid Medicare Surcharges in 2026
A single Roth conversion or large RMD can cost a couple $9,240/year in Medicare surcharges — two years later. Interactive tier calculator shows your exposure, how close you are to each threshold, and whether an income event tips you into a higher bracket.
Pay Off Mortgage or Invest? The 2026 Break-Even Calculator
At 6–7% rates, the math is finally close. Your after-tax mortgage cost vs. expected after-tax investment return — adjusted for account type (Roth, 401k, taxable), LTCG, and NIIT — shows when paying off wins and when investing does. Interactive calculator included.
Sudden Wealth: What to Do When You Come Into $1M or More
Inheritance, business sale, IPO, or legal settlement? A 90-day action framework, tax guide by windfall source, and an interactive priority planner for sudden wealth events.
Municipal Bonds: 2026 Tax-Equivalent Yield Calculator
In the 24–37% bracket, a 4% muni can beat a 6%+ taxable bond after tax. Calculate your exact tax-equivalent yield, understand the NIIT multiplier, and learn the private activity bond AMT trap.
Health Insurance Before Medicare: ACA Planning for Early Retirees
The 2026 subsidy cliff is back at $62,600 (single) / $84,600 (married). Roth withdrawals don't count in ACA MAGI — keeping income below the cliff can save $7,000–$12,000/year. Interactive subsidy calculator included.
Qualified Opportunity Zones: 2026 Deadline & OZ 2.0 Calculator
December 31, 2026 is the mandatory recognition date for all OZ 1.0 deferred gains — plus the OBBBA just made the QOZ program permanent with rolling 5-year deferrals (OZ 2.0). Calculator shows your exact 2026 tax bill and whether a new 2027 QOF investment pencils out.
Non-Qualified Deferred Compensation: 2026 NQDC Tax Planning Guide
Defer income today at 37%, distribute in retirement at 24% — but 409A election deadlines, company credit risk, and IRMAA spikes trip up executives who don't plan ahead. Includes a deferral vs. take-it-now calculator.
HSA Investment Strategy: The Triple-Tax Advantage Guide
The HSA is the only account that gives you a deduction going in, tax-free growth, and tax-free withdrawals. At $1M–$5M, investing your HSA in index funds and paying medical bills out of pocket builds a $500K–$900K tax-free reserve over a career. 2026 limits, OBBBA changes, and a growth calculator included.
How to Choose a Financial Advisor for Millionaires
Fee structures, credentials, direct indexing capability, and 10 interview questions that separate $1M–$5M specialists from generalists. Includes a red flag checklist and decision framework by situation.
Solo 401(k) vs. Cash Balance Plan: Self-Employed Retirement Contributions 2026
Self-employed professionals can shelter $72,000–$350,000+ per year pre-tax. The solo 401(k) maxes at $72K; add a cash balance plan at age 45+ and the total can exceed $300K. Interactive calculator shows your max contribution by income and age.
Medicare Planning for High Earners: 2026 Enrollment & Cost Guide
IRMAA surcharges, Medigap Plan G vs. Medicare Advantage, the HSA 6-month trap, and late enrollment penalties — everything specific to the $1M–$5M investor. Interactive annual cost estimator by income tier and plan type.
1031 Exchange: Defer Capital Gains on Investment Property
Sell a rental property and reinvest the full proceeds — including deferred depreciation recapture — without a tax bill. The 45-day ID window and 180-day close rule are strict. Interactive tax deferral calculator shows your exact federal savings.
Portfolio Rebalancing: Drift Analyzer & Tax Impact Calculator
A $1.5M portfolio can drift 12 points over target in a bull market — fixing it in a taxable account costs $15,000–$20,000 in taxes; fixing it in your 401k costs $0. Interactive drift analyzer shows your rebalancing trades, tax cost, and the right account to act in first.
Crypto Tax Planning: 2026 Guide for High-Income Investors
The IRS treats crypto as property — every trade triggers a capital event. At $1M–$5M, the wash-sale exemption lets you harvest crypto losses and immediately rebuy (impossible with stocks). HIFO lot selection, 1099-DA reporting, and staking income rules explained. Interactive tax estimator included.
Revocable Living Trust: Do You Actually Need One?
At $1M–$5M you don't need a trust for estate taxes — the 2026 exemption is $15M. The real reasons are probate avoidance, multi-state real estate, and privacy. Includes the trust-as-IRA-beneficiary trap that catches millionaires most. Interactive assessment included.
Pledged Asset Line: Borrow Against Your Portfolio Without Selling
At $1M–$5M you can access cash from your taxable portfolio without triggering capital gains. The borrow vs. sell calculator shows exactly when borrowing at 5–7% beats paying 15–24% in LTCG + NIIT — and when it doesn't. Includes the step-up-in-basis multiplier for positions you plan to hold until death.
5-Year Pre-Retirement Checklist for $1M–$5M Investors
The 5 years before retirement are the highest-leverage planning window you'll ever have. Roth conversion window, catch-up contributions ($89,750/yr for a couple at 60–63), healthcare bridge, and a retirement readiness calculator showing exactly whether you're on track.
State Income Tax Planning: Is Relocating Worth It?
California, New York, and New Jersey residents pay $20,000–$220,000/year in state taxes they could legally eliminate by moving. 2026 rates for all major states, domicile rules, and an interactive relocation savings calculator.
Net Unrealized Appreciation (NUA): Convert 401(k) Company Stock to Long-Term Capital Gains
If your 401(k) holds appreciated company stock, rolling it to an IRA means every dollar is taxed as ordinary income. The NUA rule lets you pay LTCG rates (15–20%) on the appreciation instead — worth $30,000–$80,000 on a $400K position. Interactive calculator shows your exact savings vs. rollover.
How Much Does a Financial Advisor Cost at $1M–$5M?
AUM fees, flat fees, and hourly rates explained in real dollars — plus an interactive calculator showing what each fee model costs you over 20 years of compounding. Includes a flat-vs-AUM break-even finder.
Tax-Gain Harvesting: How to Pay 0% on Capital Gains in 2026
In a low-income year — early retirement gap, career break, or part-time year — you can sell appreciated investments at 0% federal capital gains tax and immediately buy them back at a higher basis. Interactive calculator shows your exact harvest room.
RMD Strategy: Managing Required Minimum Distributions at $1M–$5M
RMDs start at 73 or 75 and force $40,000–$120,000/year in taxable income from your traditional IRA and 401(k) — often pushing you into the 32% bracket and triggering IRMAA surcharges two years later. Interactive 20-year RMD projection calculator + 5 strategies to reduce lifetime forced distributions.
Financial Independence Calculator: FI Number, Years to FI & Coast FIRE
$1M is a milestone — but is it FI? Calculate your exact FI number at three safe withdrawal rates, how many more years to financial independence at your current savings rate, and your Coast FIRE threshold. Plus the ACA cliff, 0% LTCG bracket, and Roth ladder strategies that change the early retirement math at $1M–$5M.
Inherited IRA Rules 2026: 10-Year Rule, Annual RMDs & Distribution Planner
Inherited a large IRA? If the deceased was past their Required Beginning Date, you owe annual RMDs in years 1–9 — not just the year-10 lump sum. Interactive planner shows your year-by-year schedule, estimated federal tax, and how a spread strategy can save $60,000–$100,000 vs. deferring all to year 10.
Annuities for Millionaires: When They Make Sense — and When to Walk Away
Variable annuities cost 2–3.3%/yr in fees — on $500K over 20 years, that's $800K+ lost to compounding drag vs. low-cost ETFs. Interactive fee drag calculator shows your exact cost. Plus: when a SPIA actually makes sense at 70+, FIA fine print, and 6 red flags that should end any sales pitch.
Long-Term Care Insurance: Buy, Self-Insure, or Hybrid at $1M–$5M?
A nursing home costs $131,580/year — and 22% of people need care for 5+ years. At $1M–$2M that tail risk can erase 40–70% of a portfolio. At $3M+ you can self-insure the median event. Interactive break-even calculator shows your exposure, the premium deductibility math, and which of the three options fits your asset level.
Millionaire's Guide to Fee-Only Financial Planning
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
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Millionaire Advisor Match is a matching service. We connect you with vetted fee-only financial advisors in our network — we don't manage money or provide advice ourselves. Advisors in our network are fiduciaries who charge transparent fees (not product commissions), and we match you based on your specific situation.