Like an Orchestra, your plans need to be in synch
Bring all your plans together
Your Family's Life | Organized
Rule72 provides your family with access to sophisticated technology resources to aggregate, monitor, and track your accounts, including not only those outside of our management. Learn more about Rule72's technology resources.
Financial planning software & analytics helps us analyze your financial plan and optimizes investing, insurance, tax strategies, social security and more.
We help families align their wealth with the causes and organizations most meaningful to them through thoughtful charitable and philanthropic planning. This may include strategies such as Donor-Advised Funds, charitable gifting of appreciated assets, and multigenerational family giving approaches designed to support both philanthropic and tax-planning objectives. We work with you to help develop a long-term charitable giving strategy that reflects your values, family legacy, and financial goals.
Philanthropic Planning | Charitable Giving
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Banking | Lending
As an independent advisor, our relationship with our custodian gives you broad access to the banking landscape for your lending needs. We can compare competitive rates and terms from various lenders. We can advise and help set up: Securities-based lending Checking and bank account Real estate, aircraft, yacht, collectibles, art, or fine wine financing
Investment Planning | Strategy
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We design intentional portfolios built to support long-term wealth preservation, growth, income, and family legacy planning. We provide ongoing performance reporting and periodic portfolio reviews to help ensure your strategy remains aligned with your objectives. We can also review employer-sponsored retirement plans such as 401(k)s, TSPs, and 403(b)s to help coordinate your broader financial picture. As a fee-only fiduciary advisor, Rule72 does not receive commissions from investment or insurance products.
Retirement Planning | Financial Independence
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We help you design a retirement strategy focused on sustaining your lifestyle, generating reliable income, and maintaining long-term financial independence through every stage of retirement. Our firm assists with retirement account planning and investment management, including Traditional IRAs, Roth IRAs, SIMPLE IRAs, employer retirement plans, and other tax-advantaged savings strategies. We evaluate tax-efficient withdrawal and distribution strategies from IRAs and employer retirement plans, including the timing and trade-offs of Roth conversions when appropriate.
Tax Planning | Wealth Preservation
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We look for opportunities to improve tax efficiency through strategies such as tax loss or gain harvesting, asset location, and the use of tax-advantaged investments when appropriate. We review charitable giving strategies, including Donor-Advised Funds and other planning techniques designed to support both philanthropic and tax objectives. We stay informed on evolving tax law changes and coordinate with your CPA or tax professional to help integrate tax planning into your broader financial strategy.
Risk Management | Wealth Protection
We review your existing insurance coverage and overall risk management strategy to help identify potential gaps affecting your family, income, assets, or estate plan. When appropriate, we coordinate with trusted insurance professionals to evaluate life, disability, long-term care, liability, and other insurance solutions as part of your broader financial plan. Rule72 is a fee-only fiduciary firm and does not sell insurance products or receive commissions.
Estate Planning | Trusts | Inheritances
For those who have received an inheritance, we provide guidance on investment management, distribution strategies, tax considerations, and integrating inherited assets into an overall financial plan. We review estate planning considerations as part of your broader financial strategy, including beneficiary designations, asset titling, inherited accounts, and family legacy objectives. We help evaluate education and legacy funding strategies, including 529 plans, charitable giving structures, and multigenerational planning opportunities where appropriate. We can assist with trust funding coordination and help guide families through important financial and administrative steps following the death of a loved one. When needed, we coordinate with your estate planning attorney and other professionals regarding trusts, wills, powers of attorney, and related estate planning documents.
