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Is This Worth Paying For?
Most people don’t question the cost of advice - they underestimate the cost of getting it wrong.
👉A 1% inefficiency on a $2M portfolio can cost $1M+ over time
👉Poor tax timing or liquidity decisions can cost $50K–$200K in a single event
👉Small coordination gaps often lead to $10K–$50K per year in avoidable loss
Start with a focused review. Expand only if needed.
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.
1. FInancial Integrity Score
A quick assessment of how your financial decisions interact across tax, liquidity, risk, and coordination—highlighting where inefficiencies may exist and where to focus first.
2. Financial Second Opinion
A focused diagnostic that reviews your current setup, identifies potential leakage, and clarifies whether deeper analysis is needed before your next decision.
3. Clarity
A deeper mapping of your financial system—revealing dependencies, risks, and constraints so you understand what truly matters before taking action.
4. Blueprint
A structured strategy that aligns tax, capital, liquidity, and risk into a coordinated plan—turning insights into clear, prioritized actions.
5. Stewardship
Ongoing support to evaluate decisions, adjust strategy, and maintain alignment—so inefficiencies don’t compound over time.
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.
Pricing depends on complexity, not just category.
Pricing For Real Estate Investors.
Financial Second Opinion
$250 – $500
45 minutes
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Portfolio review
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Identify:tax drag
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Idle capital
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lLquidity gaps
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Clarity
$750 –$1,500
90 minutes
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Map capital flows + exposure
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Understand:
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deal timing
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liquidity constraints
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Blueprint
$2,500 – $5,000
180 minutes
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Full portfolio strategy:
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tax
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capital deployment
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risk
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exits
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Pricing For High-Income Families.
Financial Second Opinion
$250 – $500
45 Minutes
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Review of:
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tax
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liquidity
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coordination
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Clarity
$750 –$2,500
90 Minutes
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Map:
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income streams
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assets
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risks
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dependencies
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Blueprint
$2,500 – $10,000+
180 Minutes
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Full system design:
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tax
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investments
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estate
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structure
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Pricing For Business Owners.
Financial Second Opinion
$300 – $600
45 minutes
Focused diagnostic of your business
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Identify:
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tax inefficiencies
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cash flow gaps
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coordination issues
Clarity
$1,000 –$2,000
90 minutes
Map your financial system:
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income
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risk
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liquidity
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dependencies
Blueprint
$3,000 – $6,000
180 minutes
Full strategy across:
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tax
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cash
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structure
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coordination
Pricing For Ongoing Stewardship.
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Real Estate Investors→ $500–$1,500/mo
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Business Owners → $750–$2,000/mo
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Families → $1,000–$3,000/mo
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
Typical financial impact:
$150K–$300K potential permanent loss
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.
ROI of Ongoing Stewardship
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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.
Even small improvements—1–2%—can translate into meaningful gains over time.
What This Looks Like in Practice.
Client: $1.5M household
Identified:
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$15K annual inefficiency
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Improved coordination: +1.3% retained wealth
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Built liquidity: 2 → 7 months coverage
Client: $900K business
Identified:
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$28K tax inefficiency
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Improved cash use: +2.1% return on retained earnings
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
How Clients Typically Engage.
Most clients follow a simple, structured path:
Financial Integrity Score → Financial Second Opinion → Clarity Session → Blueprint Readiness → Blueprint Design → Blueprint Deployment → 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—not generic advice
How Pricing Works
Pricing reflects complexity - not assets or products.
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No AUM fees
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No product commissions
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No long-term commitment required
Each session is designed to answer a specific question, identify gaps, and give clear next steps.
How much does a financial second opinion cost?
Answer:
Most financial second opinions range from $250 to $600, depending on complexity. More advanced clarity or strategy work ranges from $750 to $10,000+ based on scope. The cost is typically small relative to the financial impact of a single mistake.
Is a financial second opinion worth it?
Answer:
In most cases, yes. A single improvement in tax timing, liquidity planning, or coordination can offset the cost many times over. For many clients, identifying even one gap can prevent five- or six-figure losses.
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.