Our Process
Armature begins with a structural review. One conversation across the household's full system: where things stand, what works, where the gaps are.
From there, a deliberate sequence: understand, design, implement, govern. The engagement is sized to the complexity in front of it. The fee is the same whether you move everything, move nothing, or end after the setup. We only take the scope that the complexity justifies.
A confidential first conversation across the full financial landscape. Most who reach it believe their system is reasonably coordinated. Within thirty minutes, that usually changes. Each advisor has done their job inside their lane; no one has read the seams between them. Part of intake; no fee.
A clear read on complexity, coordination gaps, and whether Armature fits.
A full review of the financial ecosystem: investment accounts, entities, insurance, estate documents, tax returns, and advisor relationships, mapped across 147+ governance checkpoints and assessed for alignment.
A written assessment of structural gaps and integration opportunities across every domain.
From the review, a governing structure: how capital is allocated, advisors coordinated, decisions made, and risk managed across the ecosystem. The advisors keep their lanes; the structure governs the seams between them. Decision rights, escalation protocols, and reporting cadences, documented and assigned.
A written operating plan with clear decision rights and advisor responsibilities.
The framework is built and activated. Accounts restructured, advisors aligned, policies and entities updated, reporting established. Core architecture is usually in place within weeks; full implementation somewhere around 60 to 90 days, depending on outside parties.
A fully operational system with integrated oversight and clear reporting.
Then it is maintained and evolved: quarterly reviews, annual reassessments, coordination across the seams. Where the right move is to leave a structure alone, that is on the table too. The system carries the load. You retain authority.
Reduced coordination burden, and a system that adapts as your life does.
The First Ninety Days
The first ninety days are not preparation. They are deliverables: each dated, each a written mark in the engagement letter, each judged against a standard.
If a mark is missed for reasons within Armature's control, restitution follows under the engagement-letter terms.
Ninety days from engagement, the principal holds a system that someone else could run without starting from zero. That is the test.
Not a marketing promise. A term of the contract.
What we measure
Autonomous Index™
The Autonomous Index™ measures whether the principal still carries the system between cases and after hours. A higher reading means it absorbs the recurring coordination (initiation, reconciliation, continuity, translation) without pulling the principal's attention from the chair.
Coherence Index™
The Coherence Index™ measures whether the system holds together as one operating picture: whether the artifacts, decision rights, advisor scope, and continuity read cleanly at the seams when an outside professional steps in cold.
Both are scored at baseline and reported quarterly, appearing together in the Quarterly Coordination Memorandum and the State of the System memo, with a trend line across the engagement.
You run the practice: the schedule, the partners, the entities it spun off. At work, nothing moves without a protocol. At home, the wealth the work created runs on memory and good intentions. You already trust this discipline. It has simply never been installed here.
The business made the wealth, and the wealth now has its own moving parts: real estate, partners, a buy-sell, private commitments. Every structure was right when it was built. Nobody has re-read them side by side since.
More entities than you planned, more advisors than anyone coordinates, a spouse who should never have to reconstruct it from a drawer. You did not miss anything. There was never a seat whose job was the whole.
Who this is not for.
Armature is not for households who mainly want investment ideas, isolated tax strategies, or a replacement for their advisors. It is for families whose complexity has outgrown informal coordination, who want to remain authors of their capital and delegate the governing work to a system that will hold it.
If one of these reads like your week, the first conversation will feel familiar.