Family Office Investment Strategy
for Entrepreneurs
Investing Beyond Main Street—How Entrepreneurs Can Invest Like Billionaires
Tony Robbins
What Is a Family Office Investment Strategy?
A family office investment strategy is the disciplined approach wealthy families use to manage their capital: broad diversification across public and private markets, rigorous due diligence, tax-aware structuring, and advice free of product commissions. Family offices allocate roughly 42% of their portfolios to alternative investments, according to the UBS Global Family Office Report 2026. Through a Fractional Family Office®, entrepreneurs can apply the same strategy—without a billion-dollar net worth.
Most entrepreneurs are still handicapped by a traditional investment system that was not designed for them. Tony Robbins and co-author Christopher Zook interviewed more than a dozen of the world’s leading private-market investors for The Holy Grail of Investing and reached a similar conclusion: the ultra-wealthy build their portfolios around alternative investments, while most investors never gain access to them because of structural limits in the financial advisory industry.
This guide explains how accomplished entrepreneurs can implement these same billionaire investment strategies without needing a billion-dollar net worth. Through our Fractional Family Office® approach, we help 7-9 figure entrepreneurs move beyond conventional investment limitations, providing access to the diverse asset classes and sophisticated strategies previously available only to the ultra-wealthy—a portfolio designed to help preserve and grow wealth across changing economic environments, the way family offices have invested for generations.
See If You Qualify with Our Wealth Waste Calculator
Alex Hormozi
Why Do Successful Entrepreneurs Struggle With Investing?
The Entrepreneur’s Investment Paradox: your business strengths can become portfolio liabilities
The very traits that fueled your entrepreneurial success could be undermining your investment returns. Think about what made you successful in business:
- Trusting your instincts
- Moving quickly and staying agile
- Maintaining direct control
- Taking calculated risks in your area of expertise
- Being decisive and action-oriented
Yet in the investment world, these same traits often lead to poor decisions and missed opportunities. In 2024 alone, DALBAR’s Quantitative Analysis of Investor Behavior (QAIB) measured an 8.48-percentage-point gap between the average equity fund investor and the S&P 500—behavior-driven underperformance DALBAR has tracked since 1985. Compounded across an investing lifetime, that behavior gap can cost millions.
As executive coach Marshall Goldsmith titled his bestselling book—and as Alex Hormozi often reminds entrepreneurs—“What got you here won’t get you there.” The mindset that built your business requires a reset when it comes to building a portfolio designed to preserve and grow your wealth. The discipline you use to increase your profit margin inside the business needs a different playbook outside it.
"You guys have really changed my personal finances, the management of so many different elements of my business, and my personal life on the back end. That quite frankly, I was really struggling with doing personally and also doing a very poor job at it. I didn’t understand the magnitude of some of the stuff you guys have implemented. The tax saving strategies, the investment strategies that you guys have helped implement. For me, it’s just been a complete game changer."
Steve Harward, Founder & CEO of Prime Corporate Services
Unpaid client testimonial
The Risk Paradox
Are You Taking the Wrong Risks?
While entrepreneurs are natural risk-takers in business, they face a peculiar contradiction in their investment approach. Studies of investor behavior show they often become overly conservative with their investment portfolios while maintaining enormous concentration risk in their businesses. This creates a dangerous disconnect:
Taking excessive risk through concentrated business positions
Being too conservative with investment capital outside the business
Missing opportunities for true diversification across asset classes
Failing to optimize risk-adjusted returns through proper allocation
What Do Behavioral Biases Cost Investors?
The same psychological traits that drive business success can lead to costly investment mistakes:
Control Bias
Entrepreneurs’ need for control often leads to overtrading and market-timing attempts. In their landmark Journal of Finance study “Trading Is Hazardous to Your Wealth,” Brad Barber and Terrance Odean found the most active individual traders earned 11.4% annually while the market returned 17.9%—a 6.5-percentage-point shortfall driven by excessive trading.
Overconfidence
Business success creates false confidence in investment abilities. This manifests in concentrated positions and insufficient diversification.
Familiarity Bias
The tendency to invest only in known industries or businesses. As Sam Parr of My First Million podcast has discussed in multiple episodes, entrepreneurs tend to invest in what they know— tech founders invest in tech startups, real estate developers in more properties, and so on.
Recency Bias
Giving too much weight to recent market events, leading to buying high and selling low—the opposite of successful investing.
Morningstar’s “Mind the Gap 2025” study found investors earned 1.2 percentage points less per year than the very funds they held over the decade ended December 2024—roughly 15% of those funds’ total returns—with wider gaps in more volatile fund categories. For entrepreneurs who have worked tirelessly to build successful businesses, behavioral biases are an enormous, and largely avoidable, opportunity cost.
Why Traditional Investment Models Fail Entrepreneurs
The Broken 401(k) Model
The conventional wisdom of "save in your 401(k) for 40 years" wasn't designed for entrepreneurs. Your wealth-building journey looks fundamentally different. You need investment strategies that:
- Account for irregular cash flows from business operations
- Complement your existing business risk profile
- Provide strategic liquidity for opportunities and obligations
- Offer tax efficiency aligned with your complex situation
- Scale alongside your growing wealth
On investment podcasts and shows like All-In, investors have often discussed how the traditional financial system was built primarily for W-2 employees with predictable incomes and simpler financial lives—not for entrepreneurs with complex situations.
The Traditional Access Problem
Even when entrepreneurs seek investments beyond stocks and bonds, they face significant hurdles:
- Placement fees and sales loads—often 3-5%—that immediately reduce invested capital
- Brokers held to Regulation Best Interest—a standard that, even after its 2020 upgrade, is not the fiduciary duty an SEC-registered investment adviser owes you
- Limited due diligence support with potential conflicts of interest
- No coordination between different investments or overall strategy
- Lack of ongoing monitoring and risk management
Access to quality alternative investments isn't just about having capital to invest—it's about having the network, knowledge, and team to properly evaluate these opportunities. Most traditional financial advisors simply can't provide that level of access or analysis.
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"Before working with them, I had a lot of headaches. I had my hands in a lot of different businesses and real estate investments. They helped me see a number of blind spots I had and weaknesses in my overall financial plan."
Chris Jones, Vice President of Speedrack West
Unpaid client testimonial
Why Most Financial Advisors Only Offer "Main Street" Investments
Traditional financial advisors typically limit you to publicly traded stocks and bonds—what we call "Main Street" investments. But why? The answer reveals fundamental conflicts in the traditional advisory model:
Limited Access to Alternative Investments
Most traditional advisors have restricted access to the alternatives that billionaires use to build wealth. They operate within frameworks limited to publicly traded assets, missing the private markets where significant wealth creation occurs.
Limited Knowledge About Alternative Investments
Many advisors simply lack expertise beyond traditional asset classes. Their training focuses on stocks and bonds, leaving them uncomfortable recommending investments they don't fully understand.
Misaligned Incentives Due to Fee Structures
The standard 1% assets under management (AUM) fee creates inherent conflicts. Advisors are incentivized to:
- Keep your money in assets they can manage and charge fees on
- Discourage investments in real estate, private businesses, or other alternatives
- Maximize assets under management rather than optimizing your wealth strategy
- Focus on gathering assets rather than generating superior returns
How Do Billionaires Invest?
The Family Office Solution
Disciplined Execution
Removes emotional decision-making through systematic processes.
Rigorous Evaluation
Provides sophisticated due diligence on all investment opportunities
Exclusive Access
Enables access to exclusive private market investments
Intentional Diversification
Ensures proper diversification across multiple asset classes
Tax Optimization
Maintains tax efficiency throughout the investment process
Integrated Coordination
Coordinates complex wealth strategies across all holdings
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"I’ve counted on Dew Wealth for quite a while to help me watch the back doors to make sure I’m just not doing things that I wouldn’t even see, so I trust them implicitly."
Dave Asprey, Founder of Bulletproof
Unpaid client testimonial
The Billionaire Asset Allocation
What Does It Actually Look Like?
By implementing this systematic approach, billionaires invest dramatically differently than the average investor. According to the UBS Global Family Office Report 2026, a survey of 307 family offices with an average net worth of $2.7 billion:
Roughly 42% in Alternative Investments (44% in the 2025 edition)
- Private equity and venture capital—about 21%, the largest alternative allocation
- Real estate—about 11%, direct and funds
- Hedge funds, private debt, and other alternatives—the remainder
Roughly 58% in Traditional Investments
- Public equities—about 30%, the largest single allocation
- Fixed income
- Cash and equivalents—about 9%
This diversified approach is designed to provide:
- The potential for improved risk-adjusted returns through less-correlated assets
- Lower overall portfolio volatility
- Tax efficiency via strategic holding structures
- A focus on wealth preservation through economic cycles—paired with asset protection planning to shield what the portfolio builds
- Access to opportunities in less-efficient private markets
It’s the same principle Ray Dalio calls the “holy grail” of investing, which Tony Robbins and Christopher Zook explore in The Holy Grail of Investing: combine enough less-correlated return streams and you can meaningfully reduce risk without giving up return potential. The right allocation for any individual depends on liquidity needs, time horizon, and risk tolerance.
For most entrepreneurs, the single largest liquidity event a portfolio ever receives is the sale of the business—business exit planning determines how much of that value arrives intact.
Allocation decides what a portfolio holds; income decides what it pays you while you hold it. Our deep dive on passive income strategies covers which income-producing assets pay what, with sources and dates, and how much capital each level of income actually requires.
The Fractional Family Office® Solution
How Can Entrepreneurs Invest Like a Billionaire?
Most entrepreneurs assume they need a billion-dollar net worth to access these sophisticated strategies. That’s no longer true. Our Fractional Family Office® brings these same investment approaches to successful entrepreneurs—coordinated by your Linchpin Partner®, a personal CFO for your entire financial life—through a systematic process:
Step 1: Benchmark & Review Your Current Investments
Step 2: Map Your Current Allocation Against the Billionaire Model
Step 3: Design Your Custom Billionaire’s Allocation™ & Implementation Plan
Step 4: Methodical Implementation & Rigorous Vetting
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"I had never seen a model for advisory in the way that they ran it. I have a peace of mind around my finances, my insurance, my assets protection, my taxes and all of that stuff because they're constantly working on my behalf."
Pete Vargas, Entrepreneur
Unpaid client testimonial
Beyond the Basics
What Advanced Strategies Do Family Offices Use?
After establishing a strong foundation through proper asset allocation and investment access, successful entrepreneurs can layer in sophisticated strategies long used by billionaire family offices.
Private Equity & Venture Capital: The Billionaire’s Edge
Private market investments represent one of the most significant differences between billionaire portfolios and traditional ones. According to Cambridge Associates’ US Private Equity Index benchmark commentary, private equity index returns exceeded those of the S&P 500 for all periods longer than three years as of December 31, 2024. Past performance does not guarantee future results, and private investments carry additional risks, including illiquidity and the potential loss of principal.
Our approach provides entrepreneurs with:
- Access to vetted private equity and venture opportunities
- Proper position sizing and diversification
- Comprehensive due diligence and ongoing monitoring
- Integration with overall portfolio strategy
As discussed frequently on shows like My First Million, significant wealth creation often happens in private markets before companies go public. By the time most retail investors can access these companies, the strongest early returns may already have been captured by private investors.
Layering advanced strategies onto a portfolio only helps if the foundation underneath is genuinely diversified away from the operating business itself. Our deep dive on portfolio diversification strategies covers how to measure business concentration, what makes an asset genuinely uncorrelated with a company you own, and how much liquidity to hold before adding anything illiquid.
Strategic Real Estate: Beyond Single-Family Rentals
While many entrepreneurs invest in real estate, billionaires take a more sophisticated approach:
- Commercial real estate in multiple sectors
- Real estate syndications and funds
- Real estate debt and preferred equity
- International real estate for diversification
- Tax-advantaged real estate strategies
Through our Fractional Family Office®, entrepreneurs gain access to institutional-quality real estate opportunities previously available only to the ultra-wealthy, at minimums well below what direct institutional access typically requires.
What those structures actually look like, what the published indices show private property has returned, and the diligence that separates a sound deal from a well marketed one are covered in our deep dive on private equity real estate.
Tax-Efficient Investment Structures
As an entrepreneur, taxes are likely your largest expense. Strategic tax planning for business owners, applied through proper investment structuring, can save millions over time:
- Self-directed IRAs for alternative investments
- Private Placement Life Insurance (PPLI)
- Strategic asset location across accounts
- Tax-loss harvesting protocols
- Opportunity zone investments
Risk-Adjusted Return Focus
Rather than chasing the highest projected returns, we help entrepreneurs optimize their risk-adjusted returns through:
- Modern Portfolio Theory application
- Correlation analysis across all holdings
- Risk factor decomposition
- After-tax return optimization
- Regular portfolio rebalancing
By focusing on risk-adjusted returns rather than absolute returns, billionaires build portfolios designed to hold up through varying market conditions. That focus is particularly valuable for entrepreneurs who need to preserve the wealth they’ve worked so hard to build—and eventually pass it on through deliberate wealth transfer planning.
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"They were able to put in tax strategies to save me hundreds of thousands of dollars. I highly recommend Jim Dew and Dew Wealth and the virtual family office. Take it from a high-net-worth individual who’s gotten massive value."
Joel Marion, Co-Founder of BioTrust Nutrition
Unpaid client testimonial · Individual results vary and may not be representative
The Fiduciary Difference
What Does Conflict-Free Investment Advice Look Like?
One crucial aspect that sets billionaire family offices apart is their complete alignment with the family's interests. Unlike traditional advisors who earn commissions or kickbacks for recommending specific investments, family offices operate as True Fiduciaries—legally obligated to act solely in their clients' best interests.
Our Fractional Family Office® brings this same fiduciary approach to entrepreneurs:
- No commissions or kickbacks from investment recommendations
- No hidden fees or revenue sharing arrangements
- No proprietary products with embedded profits
- Complete transparency in all compensation
- Legal fiduciary obligation to put your interests first
This alignment of interests is fundamental to building and preserving wealth. As Charlie Munger famously said, "Show me the incentives, and I'll show you the outcome." When your advisors’ incentives are aligned with yours, the advice you receive is far more likely to serve your goals alone.
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"I’ve just never found somebody who, I, to be completely candid, was so honest and just has provided such a great service. And if you guys know Jim’s service, he doesn’t do referral fees. I’ve sent a ton of high seven-figure, eight-figure folks to him who have very complex problems financially and have a lot of needs…everybody has said amazing things about their service."
Cole Gordon, CEO of Closers.IO
Unpaid client testimonial
Taking the Next Step
Your Path to a Family Office Investment Strategy
You’ve built impressive business success. Now it’s time to apply that same strategic thinking to your investments. The family office approach to wealth management isn’t just for those with billions—it’s for entrepreneurs who want to protect and grow what they’ve worked so hard to build.
Our Fractional Family Office® provides the sophisticated investment strategies previously available only to the ultra-wealthy, delivered with complete transparency and fiduciary alignment, as part of comprehensive wealth management for business owners.
If you’re ready to explore how these strategies might apply to your specific situation, the next step is simple: schedule a Wealth Strategy Session. You can also hear directly from our clients. During this consultation, we’ll:
Review Your
Current Investment Approach
Identify Potential Opportunities & Inefficiencies
Explain Our Systematic Investment Process