Once you’ve maxed out your 401(k) or IRA, the options for building additional tax-advantaged wealth narrow quickly—most come with restrictions, contribution caps, or penalties.

Wealthy families never relied on those tools. For generations, they built and protected wealth through trusts, layered reserves, and low-risk engines of compounding—strategies rarely discussed outside privileged circles.

Beginning in 2023, we started private conversations with prominent leaders on Wall Street and in Swiss private banking, collecting data on what has quietly built and sustained wealth across centuries. Over the past 18 months, we partnered with economists and data scientists at MIT and Harvard to analyze that data and distill what has consistently endured: structures that compound steadily, remain liquid, and transfer intact across generations.

The result is the Foundation Account: a simple, coordinated structure that compounds predictably, provides liquidity for retirement, emergencies, or investments, and transfers tax-efficiently across generations. Underwritten by MassMutual (est. 1851) and John Hancock (est. 1862), it becomes permanent infrastructure for your family’s financial life.

Most families turn to 529 plans for college savings, but they’re rigid, reduce financial aid, and vanish once tuition is paid.

A Foundation Account can replace or complement a 529. Started early, it compounds tax-deferred for any purpose—education, a first home, starting a business, or inheritance—without penalties or restrictions.

By adulthood, it can even become self-funding: a permanent reserve that grows for life, secures insurability while children are young and healthy, and provides private liquidity for life’s biggest milestones. Beyond savings, it creates an inheritance benefit that continues to grow and protect across generations.

This isn’t college savings that runs out—it’s multigenerational infrastructure.

Savings accounts, brokerage accounts, retirement plans, and even home equity each play a role—but none are complete. They erode with inflation, swing with markets, tie up capital, or restrict access when liquidity is needed most. The Foundation Account is not another account. It is a permanent base designed to sit quietly beneath them all.

Families gain a permanent reserve with growth that does not vanish and remains untethered from Wall Street, protection that does not expire, liquidity for retirement, emergencies, or investments—and a lifetime inheritance benefit that endures across generations. Over time, returns are comparable to market performance when adjusted for tax and risk, yet delivered with far greater stability. Unlike employer-sponsored plans, it stays with you for life.

We work with individuals and families earning between $200,000 and $1 million annually—who want stability, security, and protection beneath their financial lives. They are parents preparing for education and legacy, medical and legal professionals seeking stability beyond employer retirement plans, entrepreneurs and founders navigating risk and uncertainty, and first-generation affluent households determined to preserve what they have built.

Together, they represent more than forty million U.S. households—underserved by banks, overlooked by fintechs, and too often left to navigate complexity on their own. Our role is to provide them with clarity, discretion, and a foundation that endures.

Families today face a financial system that is fragmented, misaligned, and increasingly fragile. Banking, brokerage, advisors, and apps leave households piecing things together—often during life’s most critical stages. The advice they receive is too often generic, conflicted, or outdated, creating a deficit of trust and leading to poor decisions.

Incentives only deepen the problem. Providers push products that pay commissions or grow assets under management, rather than what builds lasting security. Banks then segment the market in ways that leave the mass affluent overlooked. These families are too sophisticated for fragmented, mass-market solutions, yet too illiquid to access the holistic service of a private bank. They are left in the middle—facing complexity without clarity, and products without strategy. Most are also underprotected, with insufficient life insurance or estate planning, leaving heirs with greater burdens at the very moment they are most vulnerable.

Beyond safety, we are building growth from tangible assets and preparing the next generation with habits that last.

The Merchant Account provides families access to trade finance in its original form. It finances the physical trades of precious metals and agricultural commodities—the same flows that sustained merchant banks for centuries. This is not speculating on price direction, but growth anchored in the real economy, alongside trading houses that have safeguarded wealth for generations. Opportunities like this are not available through Wall Street products or retail brokerage accounts.

The Apprentice Account is being developed to prepare the next generation by making financial literacy practical and lived. It extends the same foundation their parents are building today, ensuring that stability and stewardship become habits passed down, not lessons left to chance.

We are a private investment house for families, founded on work that began in 2023 at MIT with 146 private conversations at the highest levels of Wall Street and Swiss private banking—assembling a perspective rarely shared beyond those circles. Traditionally, these institutions serve only the ultra-wealthy; we set out to bring the same caliber of insight and service to more families.

Working with leading minds across wealth, economics, and computer science, we studied why families with similar beginnings often diverge, and what key decisions allow some to build and preserve generational wealth. From more than 3,600 unique data points, we applied methods once reserved for leading research labs to create a new discipline of financial science focused on the family.