Who We Are

As a virtual family office (VFO) service company, we are constantly driven to improve the client’s experience and value. We are professional collaborators, process experts, and technology innovators focused on our client’s best interests. Our team’s energy and drive are fueled by our discoveries of new ways to deliver more value to our business partners and clients. We are passionate about the new technology and processes we have built and take great pride in creating an industry solution that supports the client’s larger financial goals.

Silhouette of Business Team Holding Hands at Sunset

What We Do

As a VFO service company, we help clients using an approach very different from today’s industry solution. We use a team of highly trained, professional experts who leverage our technology and collaborate to determine what financing strategy will help the client achieve the greatest overall financial gain when considering their tax, financial, and estate plans. We consider the client’s foreseeable future requirements as well as the immediate, real-life impacts.

We also work to shift as much of the burden from the client to our support team to create a concierge-like experience. We break down and summarize the client’s financial complexities in a way that makes it easier for bank underwriters to understand the client and approve their loans. When banks request more information to help document or explain various aspects of the client’s income, assets, or other details, our own internal underwriters and process managers step in to do as much work for the client as possible until the process is fully complete.

Why We Exist


Most people have heard of or even personally experienced the unpleasantness and even pain of the real estate industry’s financing process. This pain is even greater for executives or individuals who work long hours or have a more complex financial picture.

Throughout its 75+ year old history, the industry has understandably focused on finding methods to increase loan volume and profitability while reducing risk. To achieve this goal, the industry has implemented various strategies which, unfortunately, create more problems for the 15% of the borrowing population with complex income by:

  • Optimizing its processes around the 85% of the borrowing population representing a more simplistic financial profile
  • Assigning the loan approval and risk mitigation process to internal underwriters who don’t communicate directly with clients and who aren’t allowed to be influenced by the sales force.
  • Restricting 90%+ of the underwriting software tools and training required to approve loans from the sales force in order to save additional operational costs and minimize the potential for fraud.
  • Requiring individuals interested in obtaining real estate financing to interact with salespeople who are not capable of accurately determining whether or not their loan application could be approved or effectively advocating on a client’s behalf once their loan is submitted.
  • Not disclosing the fact that its sales force is paid primarily on a commission-only basis, motivating the sales force to encourage individuals to apply for a loan without disclosing their inability to determine the likelihood of loan approval in order to maximize commissions.

To the further detriment of complex income clients, lending salespeople are not allowed and not trained to determine the impacts financing may have on the client’s tax, financial, and estate plans. As such, these often significant discussions and choices are entirely ignored, causing clients to potentially pay more taxes and make choices that hamper rather than help their larger financial picture.