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Palatino Engagements & Fees
A clear path from diagnosis to decision framing, Blueprint Design, and ongoing Stewardship. Each step builds on the previous, so decisions are made with clarity, not in isolation.
Already facing a specific high-impact decision?Book a Clarity Session →
How much does Palatino cost?
Palatino’s Financial Second Opinion is $495 for 45 minutes. A Clarity Session is $995 for 75 minutes. Blueprint Design ranges from $2,500 - $10,000 based on scope, and ongoing Stewardship ranges from $750 - $5,000 per month depending on complexity and services required.
How does Palatino’s engagement process 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. Palatino uses a five-stage process: the Financial Integrity Score surfaces potential gaps; the Second Opinion diagnoses material issues; Clarity frames the decision; Blueprint Design creates the coordinated solution; and Stewardship keeps the system aligned over time.
1. Financial Integrity Score
Surfaces potential gaps.
A quick assessment that highlights where misalignment, risk, or financial friction may exist across your financial system.
2. Financial Second Opinion
Diagnoses the problem.
A focused diagnostic to determine whether a material financial problem exists, where it is concentrated, and how significant the impact may be.
3. Clarity Session
Frames the decision.
A decision-framing session to define the decision at hand, identify the constraints and dependencies that matter, and clarify what should be decided now versus taken into Blueprint design.
4. Blueprint Design
Designs the solution.
A coordinated financial architecture that brings the major decisions, sequencing, and trade-offs together into one integrated plan.
5. Stewardship
Keeps the system working.
Ongoing execution, monitoring, and coordination to keep the Blueprint aligned as markets, taxes, liquidity, business conditions, and personal priorities change.
Palatino Advisory Pricing
Palatino’s one-time advisory sessions provide focused clarity and structure at key decision points.
Each engagement has a distinct purpose, from diagnosis and decision framing through design and ongoing stewardship.
Financial Second Opinion
$495
45 minutes
Is there actually a material problem, and how large is it?
Clarity
$995
75 minutes
What decision needs to be made and what constraints matter?
Blueprint
$2,500 - $10,000
(Scope-based design engagement)
What should the coordinated solution look like?
Stewardship
$750 - $5,000/mo
(depends on tier)
How do we keep it working as conditions change?
Stewardship Tiers
Stewardship Essential: $750/month
Quarterly review, Blueprint monitoring, annual refresh, key alerts, limited coordination, defined advisor access.
Stewardship Strategic: $1,500–$2,000/month
More frequent decision support, tax/liquidity/business coordination, scenario analysis, multi-advisor coordination.
Stewardship Private:
$2,500 - $5,000/month
High-complexity families/business owners, frequent decisions, significant coordination, custom monitoring.
What is included in a Financial Second Opinion?
A Financial Second Opinion is a focused 45-minute diagnostic designed to determine whether a material financial issue exists, where it is concentrated, and whether deeper analysis is warranted.
What is the difference between a Second Opinion and a Clarity Session?
A Second Opinion diagnoses the problem. A Clarity Session frames a specific financial decision by identifying the constraints, dependencies, and trade-offs that could affect the outcome.
When is Blueprint Design appropriate?
Blueprint Design is appropriate when a financial decision requires coordinated design across areas such as tax, liquidity, investments, protection, business interests, or estate planning.
Illustrative Scenarios: Where Better Decisions May Create Value
The examples below are intended to show how sequencing, structure, and coordination can affect financial outcomes. They are not client results or guarantees. Actual outcomes depend on market conditions, taxes, timing, product terms, and individual circumstances.
Major Liquidity Decision
Scenario: A High Net worth Household expects to need a large sum within three years. If that capital remains exposed to market risk and must be raised during a 25% decline, the household could be forced to sell assets at an unfavorable time.
Potential Impact: Depending on allocation, timing, and market conditions, poor sequencing could create a significant difference in available capital.
How Blueprint helps:
Coordinate liquidity needs, investment exposure, and timing before the capital is required.
Product or Structure Selection
Scenario: A client commits significant capital to an insurance, annuity, or other long-term structure before confirming whether it fits the broader financial system.
Potential Impact: The wrong structure may create unnecessary fees, premiums, illiquidity, or opportunity cost.
How Blueprint helps:
Evaluate the role, timing, and trade-offs of a structure before capital is committed.
Tax Timing
Scenario: A large capital gain, retirement transition, or equity event occurs in the same tax year as other significant income.
Potential Impact: Different sequencing assumptions may materially change the resulting tax liability.
How Blueprint helps:
Identify timing windows and dependencies that deserve review with the client’s tax professional before action is taken.
Decision Readiness
Scenario: A client is considering retirement, a property purchase, business sale, or other major capital decision.
Potential Impact: Acting too early or too late can affect liquidity, taxes, investment risk, and future flexibility.
How Blueprint helps:
Clarify whether the decision is financially supportable now and what conditions should be satisfied first.
Illustrative Scenarios: Where Ongoing Stewardship May Add Value
Ongoing Stewardship is designed to help identify changing risks, coordination gaps, and decision points before they become more costly or difficult to reverse.
Portfolio Drift
A 70/30 allocation gradually becomes 82/18 after strong equity performance.
Potential consequence:
The household may be carrying significantly more downside exposure than intended.
How Stewardship may help:
Monitor allocation drift and determine when the Blueprint assumptions should be revisited.
Tax Coordination Over Time
Withdrawals, gains, charitable giving, retirement income, and business income change from year to year.
Potential consequence:
Uncoordinated decisions may create unnecessary tax exposure.
How Stewardship may help:
Coordinate timing and sequencing with the client’s tax professional as circumstances change.
Capital Deployment
Private investments, real-estate commitments, and capital calls accumulate over time.
Potential consequence:
Liquidity can become constrained at exactly the wrong moment.
How Stewardship may help:
Monitor commitments, liquidity needs, and concentration before additional capital is deployed.
Advisor Coordination
Investment, tax, estate, insurance, and business decisions are handled by different professionals.
Potential consequence:
A reasonable decision in one area may create an unintended consequence somewhere else.
How Stewardship may help:
Keep major decisions connected to the Blueprint and surface dependencies across advisors.
Even small improvements: can translate into meaningful gains over time.
How Clients Typically Engage.
Most clients follow a simple, structured path: Financial Integrity Score → Financial Second Opinion → Clarity → Blueprint Design → Ongoing Stewardship
Each step builds understanding and commitment without pressure.
What to Expect
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No product recommendations upfront
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Focus on structure and decisions, not transactions
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Clear, prioritized outcomes
Who This is For
This Is Designed For
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Individuals and families with growing financial complexity
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Business owners managing income, cash, and risk
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Investors making multi-step capital decisions
Commonly Asked Questions
How much does a financial second opinion cost?
Answer:
Financial second opinions cost $495. Clarity is $995. Blueprint Design ranges between $2,500 and $10,000 based on scope.
Is a financial second opinion worth it?
Answer:
A Financial Second Opinion can be useful when you suspect there may be a material issue involving tax, liquidity, investments, protection, or coordination but do not yet know whether deeper planning is warranted. Its purpose is to determine whether a significant problem exists before committing to broader advisory work.
How is this different from a financial advisor?
Answer:
This is not ongoing asset management.
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No assets required
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No products sold
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No portfolio takeover
This is a focused decision review to understand how your current strategy works together and where it breaks.
See Where Your Financial System May Be Leaking.
Before making changes, understand where inefficiencies exist and what they may be costing you.
Ready to Get Started?
Already facing a specific high-impact decision?Book a Clarity Session →
Not ready for a paid session?