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Pricing & Engagement Model.
How Palatino structures advisory work and pricing.
Palatino works with individuals, families, and business owners who value clarity, structure, and long-term decision support.
Our fees are designed around complexity, responsibility, and ongoing stewardship, not product sales, commissions, or asset gathering.
How We Work
Palatino follows a decision-first advisory model.
We begin by understanding your situation, then design a clear financial architecture, and, when appropriate, stay involved to support decisions as life, business, and markets evolve.
Each engagement is intentional. Nothing is bundled, rushed, or driven by sales incentives.
One-Time Advisory Sessions.
Palatino’s one-time advisory sessions provide focused clarity and structure at key decision points.
Each session is a paid, advisory-only engagement designed to assess your situation, identify gaps, and determine the right path forward, without product sales or long-term commitment.
Clarity Session
$750
90 minutes
A focused advisory conversation to understand your situation, identify blind spots, and clarify next steps.
This session is designed to:
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Surface hidden risks and structural gaps
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Provide an external, experienced perspective
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Help you decide what matters most right now
This is a paid advisory conversation, not a sales call.
Blueprint™ Design Readiness Session
$1500
120 minutes
This is (optionally) a deeper dive for those who need it - a working session that determines whether a full Palatino Blueprint™ is appropriate and how it should be designed.
We assess:
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Financial and income complexity
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Business, family, and dependency risk
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Readiness for long-term structure and coordination
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Scope and depth of Blueprint design required
This ensures the Blueprint is custom, intentional, and worth doing properly.
Blueprint™ Design Session
$4,800
3 hours
A comprehensive, custom design of your financial architecture.
The Blueprint integrates:
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Income and cash-flow structure
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Protection and continuity planning
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Business and personal risk coordination
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Long-term decision frameworks
You leave with a clear, structured plan, not a collection of disconnected recommendations.
This is architecture, not product advice.
Advisory Sessions Specifically for Commercial Property Owners & Real Estate Sponsors.
For investors with concentrated commercial real estate exposure, Palatino’s engagement model is applied through a capital structure lens.
If your portfolio includes leveraged commercial property, syndication interests, or GP income concentration, your risks are not just investment-based; they are structural.
Clarity Session - Real Estate Capital Structure Stress Testing
$750
90 minutes
Applied specifically to:
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Debt maturity ladder vs. liquidity runway
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Refinancing window exposure
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NOI stress (15–30% scenario modeling)
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Cap rate expansion sensitivity
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Personal guarantee concentration
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Estate-triggered forced sale risk
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GP income or capital call liquidity exposure
Deliverables include:
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Written Capital Structure Map
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Liquidity Pressure Timeline
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Risk Priority Scorecard
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Top 3 Structural Vulnerabilities
Real Estate Capital Blueprint
$10,000 – $15,000 (Complexity-Based)
3 hours
For investors seeking structural correction and sequencing, the Blueprint engagement designs:
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Liquidity sequencing strategy
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Debt ladder optimization guidance
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Reserve calibration
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Personal guarantee containment strategy
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Concentration and exposure mitigation
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Estate liquidity design
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Exit and capital recycling roadmap
Deliverables include:
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Integrated Capital Structure Blueprint
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3–5 Year Liquidity & Refinance Timeline
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Risk Mitigation Action Plan
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Implementation Sequencing Guide
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Coordination framework with CPA / Attorney / RIA
ROI of One-time Advisory (Clarity + Blueprint)
One-time advisory improves the quality and timing of major decisions. It reduces the probability of expensive mistakes and protects against large, irreversible errors in high-stakes decisions.
Where the ROI Comes From:
Correct Sequencing of Major Moves
Example:
$3M portfolio, $800k needed in 3 years. If mis-sequenced and markets drop 25%, $200k permanent loss if forced to sell
ROI driver:
Preventing one forced mistake protects six figures.
Avoiding the Wrong Product or Structure
Example:
$400k permanent insurance purchased prematurely; $2.5M annuity allocation unnecessary. Hybrid LTC misused.
Typical financial impact: $50k–$250k capital misallocation; $10k–$25k/year fee or premium drag
ROI driver:
Paying a few thousand to avoid locking in a six-figure mistake is rational.
Tax Timing Errors
Example:
Retire in a high tax year instead of staging exit. Unplanned capital gains realizationMissing Roth conversion window
Typical financial impact:
$50k–$200k lifetime tax leakage
ROI driver:
Blueprint identifies timing windows before action.
Decision Readiness
Example:
Retiring 2 years too earlyDelaying retirement 2 years unnecessarily, Buying property prematurely
Typical financial impact:
$250k–$1M+ difference over lifetime
ROI driver:
One-time advisory clarifies whether a decision is financially safe now.
Ongoing Advisory & Stewardship.
For clients who want continued guidance, Palatino offers ongoing advisory retainers focused on decision support, financial system maintenance, and coordination over time.
Core Stewardship
$1,250 / month
Core Stewardship is designed for households who:
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Have built meaningful assets
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Have multiple moving parts
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Want structure and oversight
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But do not need full family-office–level architecture
Includes:
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“Still aligned / Needs adjustment” summary
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Updated priority list for the year
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Tax strategy summary
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Insurance confirmation coverage
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Liquidity position update
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Rebalancing decision
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Trigger-based deliverables (for life vevents)
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Pillar-by-pillar ongoing oversight
Strategic Stewardship (Most Clients)
$1,750 / month
For Clients With Complexity, Liquidity Events, or Active Wealth Decisions
Strategic Stewardship goes beyond monitoring. Designed for:
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Multi-year capital strategy
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Major wealth transitions
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Proactive tax architecture
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Advanced estate and liquidity structuring
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Strategic capital deployment
Includes:
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Multi-Year Capital Strategy Review (3–5 Year Horizon) with a written 3–5 Year Strategic Capital Plan and defined capital allocation priorities
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Multi-year tax sequencing roadmap, Action windows calendar
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Estate risk projection summary, Liquidity sufficiency, Estate restructuring options
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Private Investment Strategy
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Liquidity Event Support
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Advanced Risk Strategy
Private Stewardship
$2,500/month
Comprehensive wealth oversight for high-complexity families. Designed for:
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$15M–$100M+ net worth
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Business exits / concentrated equity
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Multi-state or cross-border exposure
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Multi-generational transfer planning
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Significant private investments
Includes:
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Total Wealth Structure Review (annual, deep) - Annual Wealth Architecture Report, Structural risk heat map, Recommended structural refinements
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Enterprise & Liquidity Event strategy - Pre-transaction tax modeling, Liquidity landing plan, Post-liquidity 12-month capital deployment roadmap
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Family-office level coordination (Client does not have to manage advisor alignment) -Quarterly coordination summary, Strategic alignment notes, Issue tracking dashboard, documentation of major decisions
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Advanced tax architecture & strategic planning
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Multi-generational strategy & governance
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Strategic capital deployment at scale
ROI of Ongoing Stewardship (Core / Strategic / Private)
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Stops hidden portfolio risk from turning into six-figure losses.
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Stops advisor disconnects from creating avoidable tax and estate damage.
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Stops emotional decisions from permanently shrinking your wealth.
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Stops missed planning windows from leaving serious money on the table.
Where the Ongoing ROI Comes From:
Preventing Portfolio Drift
Example:
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70/30 allocation drifts to 82/18
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Risk increases without the client noticing
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Market downturn hits harder than expected
Impact:
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$300k–$600k excess volatility on $5M portfolio
ROI driver:
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Ongoing oversight prevents unintended risk escalation.
Tax Coordination Over Time
Example:
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$250k annual withdrawals
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Uncoordinated effective rate: 32%
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Coordinated sequencing: 25%
Impact:
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$15k–$20k/year saved
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$300k–$700k lifetime savings
ROI driver:
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Tax sequencing improves over time, not once.
Capital Deployment Discipline
Example:
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Over-allocation to private investments
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Illiquidity stacking
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Capital calls during downturn
Impact:
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Forced asset sale
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$100k–$500k opportunity loss
ROI driver:
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Ongoing oversight maintains allocation discipline.
Advisor Coordination Failures
Example:
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CPA unaware of portfolio move
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Estate plan is outdated
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Beneficiary not aligned
Impact:
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$50k–$500k in preventable errors
ROI driver:
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Stewardship closes coordination gaps.
How Clients Typically Engage.
Most clients follow a simple, structured path:
Clarity Session → Blueprint Readiness → Blueprint Design → Blueprint Deployment → Ongoing Stewardship
Each step builds understanding and commitment—without pressure.
Important Notes.
Palatino does not sell financial products as a condition of advice.
Advisory services are non-discretionary unless otherwise agreed.
Asset-based fees, where applicable, are separate from advisory retainers.
Fees reflect risk mitigation, financial system design, and long-term stewardship.
Start With Clarity.
If you’re unsure where to begin, the Clarity Session is the right first step.
It will help determine whether Palatino is a good fit—and what, if anything, should come next.