Most high-earning families lose more wealth to taxes, poor sequencing, and uncoordinated decisions than they ever lose to markets. These losses don’t show up as crises. They accumulate quietly over time — and become most visible during major life transitions (a new career, a first child, a new home, marriage, inheritance) when responsibility increases and mistakes can’t be undone.

Important financial decisions are made across disconnected advisors, accounts, and products — with no one responsible for how it all fits together. This works fine when life is stable. It breaks down when responsibility increases and decisions are compressed.

That’s when people discover:

• they’re paying far more tax than necessary

• their savings compound inefficiently

• assets aren’t coordinated for death, disability, or inheritance

• and major decisions suddenly feel rushed and irreversible

Private banks avoid this by coordinating taxes, protection, ownership, and long-term planning as a single balance sheet — adjusting the structure as families move through different stages of life. But access to this level of coordination is usually limited to a small group of ultra-wealthy families.

Melqart brings this approach to families who have outgrown piecemeal advice.

Functional wealth answers a simple question:

Based on my education, skills, age, and location, how much wealth should my financial life realistically produce — and how much of it will actually survive taxes, mistakes, and major life milestones?

Two families can earn the same income and save the same amount, yet end up with very different outcomes based solely on how their financial lives are structured.

Wealth is shaped not just by income and assets, but by:

• how capital is taxed

• how it’s protected

• how it’s accessed

• and whether the structure fits the life stage a family is entering

This is not about chasing returns.
It’s about making sure your effort isn’t leaking away.

We benchmark the factors that consistently determine long-term outcomes.

Your financial life is compared against:

• peers earning roughly $250,000–$2 million per year (not generic averages available online)

• and an optimized standard drawn from private-bank and family-office frameworks (not generic financial advisors)

We look beyond balances and performance to examine taxes, savings, protection, liquidity, ownership, and sequencing — along with real-world pressures like time constraints and decision timing that quietly compound over decades.

This is not based on online averages or generic rules of thumb.
It is built from proprietary data we have collected directly since 2023 — applying strategies historically available only to families with far greater wealth.

The goal is clarity: what supports you today, what quietly holds you back, and where changes would make a real material difference over time.

Traditional finance is full of conflicts. We removed them.

Melqart does not sell products, earn commissions, or manage assets. We charge a single, transparent, one-time fee. This separation ensures our work is independent and our conclusions are driven solely by accuracy, not incentives.

Our role is to deliver a clear, objective assessment of how your financial system is structured today—and a precise blueprint for improving it. Nothing more. Nothing hidden.

Structure matters most during change.

Marriage, a new child, inheritance, a business exit, divorce, or a major purchase place real stress on a financial life. These moments expose gaps that remain invisible during stable periods.

Our diagnostic is designed for these transitions. It provides the coordinated perspective families typically seek from a private bank — without the gatekeeping — so decisions made during change strengthen the foundation rather than introduce hidden risk.

We begin by capturing your financial life as a whole — how assets are owned, taxed, protected, and accessed, alongside cash flow and liquidity.

Your information is benchmarked against an optimized standard drawn from private-bank frameworks and proprietary data. This produces a clear comparison between where you are today, what your structure could support, and the gap between the two.

You receive a concise written blueprint outlining:

• what needs to change

• what already works

• and what can safely be ignored

You may implement this with your existing advisors, or — if helpful — through a vetted network experienced in executing these structures.