More wealth is lost to avoidable taxes, poor sequencing, and uncoordinated decisions than most people ever lose to the markets.

These losses don’t hit all at once—they accumulate quietly over time, like the effects of daily habits—and often surface during life’s biggest transitions: starting a career, getting married, having a child, buying a home, inheriting assets, or facing divorce or death.

Over 70% of family wealth in the U.S. disappears by the second generation. Why? Financial decisions are made in silos—across disconnected advisors, accounts, and products—with no one responsible for how it all fits together.

The world’s wealthiest families avoid this through private banks. Melqart brings that same coordination to more families—aligning your wealth, plans, and future so nothing is left to chance.

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, protected, and accessed.

The industry is designed to chase returns. We’re focused on keeping what you’ve already earned.

Our approach is radically different. No generic advice, no online averages, no “rules of thumb.”

We mathematically benchmark the factors that consistently determine long-term financial outcomes, based on proprietary data collected from the world’s most elite private banks and family offices since 2023.

Your financial life is measured against peers earning $250,000–$2 million annually rather than broad online averages, and against an optimized standard derived from strategies historically reserved for the ultra-wealthy.

We go beyond balances and investment performance to examine taxes, savings, protection, liquidity, ownership, and sequencing, while accounting for everyday pressures—how much you spend on groceries, the time spent commuting, and other factors that quietly compound over decades—revealing insights few have ever seen.

Our models go beyond the capacity of any single advisor, showing in a rigorous, data-driven way what supports you today, what holds you back, and where changes can make a material difference in long-term outcomes.

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.