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The Linchpin Partner®: Your Personal CFO

Why Every Successful Entrepreneur Needs a Wealth CEO

Hikers ascending a rugged mountain trail, a metaphor for the entrepreneur’s wealth journey

A Linchpin Partner® is a dedicated wealth CEO—a personal CFO for your entire financial life—who coordinates your tax strategy, investments, insurance, asset protection, and estate planning as one integrated system. Serving as a fiduciary at the center of Dew Wealth’s Fractional Family Office® model, your Linchpin Partner® brings entrepreneurs the coordinated financial leadership that billionaire family offices employ—without the multimillion-dollar overhead.

For entrepreneurs running seven- to nine-figure businesses, business success doesn’t automatically translate to personal wealth. While you excel at building companies, the complex world of wealth management requires an entirely different skillset and system. Billionaires solved this problem generations ago by employing family office CEOs to coordinate every aspect of their financial lives. But traditional family offices cost about $3 million a year to run on average, according to J.P. Morgan’s 2026 Global Family Office Report—keeping them out of reach for most successful entrepreneurs.

Unlike traditional financial advisors who operate in silos with conflicting incentives, your Linchpin Partner® serves as a True Fiduciary, coordinating tax strategy, investment management, asset protection, and estate planning into a cohesive system designed to grow your after-tax wealth.

Drawing from our 25+ years of experience serving entrepreneurs exclusively, this guide explains why successful business owners need a Linchpin Partner®, how to identify the right one, and the difference one can make. Discover why entrepreneurs like Cole Gordon, Pete Vargas, and Dave Asprey trust a Linchpin Partner® at the center of their financial lives on the journey to Making Rich Real.

When a sale is on the horizon, your Linchpin Partner® also quarterbacks business exit planning—aligning the deal team, entity structure, and tax strategy around the exit.

See If You Qualify with Our Wealth Waste Calculator

 

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The Entrepreneur’s
Wealth Management Crisis

As a successful entrepreneur, you know—as executive coach Marshall Goldsmith famously put it—that what got you here won’t get you there.

The very traits that made you successful in business—taking calculated risks, maintaining tight control, making quick decisions—can actually work against you when it comes to building lasting wealth. While you’ve mastered creating value in your business, transforming that into durable personal wealth requires an entirely different approach.

What Is the "Financial Flat Tire"
Most Entrepreneurs Experience?

If your wealth management approach resembles most entrepreneurs’, you’re likely experiencing what we call the “financial flat tire.” Your wealth wheel looks something like this:

 

  • A CPA focused exclusively on tax compliance, not strategic planning
  • An investment advisor pushing the same stock and bond portfolios they recommend to everyone
  • An insurance agent selling products that generate the highest commissions
  • An estate attorney who created documents years ago that sit in a drawer
  • Maybe a handful of other specialists who never communicate with each other
Diagram of a broken wealth wheel: disconnected advisors surrounding an entrepreneur
This fragmented approach creates dangerous gaps, costly redundancies, and missed opportunities that silently erode your wealth.
profile picture of Jim Dew
"Most entrepreneurs are trapped at the center of this broken wheel, desperately trying to coordinate professionals who never talk to each other. They spend countless hours managing advisors instead of growing their business or enjoying time with family."
Jim Dew, Founder & CEO of Dew Wealth Management

Why Do Most Financial Advisors Fail Entrepreneurs?

The traditional financial advisory model simply wasn’t built for entrepreneurs. It was designed for W-2 employees with predictable incomes, simple tax situations, and minimal complexity. Your financial life couldn’t be more different. The underlying problem is threefold:

Misaligned Incentives

Most traditional advisors earn money in ways that directly conflict with your best interests:

The Asset Manager (Percent-of-Assets Fees): These advisors—who typically charge about 1% of assets per year, per the 2026 Envestnet fee study—make more money when they gather and hold your assets. They’re incentivized to discourage you from investing in your business (often your best opportunity) or alternative investments that they can’t charge fees on.

The Tax “Strategist” (Percentage-of-Savings Fees): Some tax promoters charge fees based on a percentage of your claimed tax savings. The IRS’s annual Dirty Dozen warnings highlight schemes marketed by aggressive promoters, and savings-contingent fees create an incentive to recommend strategies that could put you at risk with the IRS later. Without fiduciary responsibility, such promoters are not legally obligated to put your interests first.

The Insurance Salesperson (Product Commissions): These “advisors” often present themselves as wealth managers but earn massive commissions pushing expensive insurance products—sometimes receiving 100% of your first year’s premium as commission. Their recommendations are driven by which products pay them the highest commissions, not what serves your needs.

Fragmented Expertise

Even well-intentioned advisors typically specialize in just one aspect of wealth management, lacking the comprehensive knowledge needed to coordinate your complete financial picture:

  • Investment advisors rarely understand advanced tax strategy
  • Tax professionals often know little about asset protection
  • Estate attorneys frequently design plans with minimal consideration for business succession
  • Insurance agents typically lack the expertise to integrate coverage with your broader wealth strategy

Individually competent advice can still conflict once it leaves each specialist's desk. Our deep dive on integrated financial planning works through the conflicts that recur when a team is not coordinated, and the authority that governs each one.

Reactive vs. Strategic Approach

Most advisors operate reactively rather than strategically. Instead of developing a comprehensive plan aligned with your goals, they respond to whatever questions or concerns you bring to them.

The wealthiest and most successful entrepreneurs take a fundamentally different approach to managing their finances—they focus on strategic systems over tactical decisions.

Traditional Advisor vs. Linchpin Partner® at a Glance

DimensionTypical Traditional AdvisorLinchpin Partner®
CompensationCommissions or percent-of-assets fees (about 1% per year is typical)Transparent flat fees; no product commissions or referral fees
ScopeOne specialty—investments, insurance, or taxesCoordinates tax, investments, insurance, asset protection, and estate planning
Standard of careVaries; brokers follow Regulation Best Interest on recommendationsFiduciary across the entire engagement
ApproachReactive—responds to what you bringProactive—plans, implements, and monitors year-round
Team roleWorks in a siloQuarterbacks your entire advisory team

Generalized comparison for education; individual advisors and engagements vary.

Illustration of three misaligned advisor incentives: asset fees, success fees, and commissions

The Billionaire’s Secret 
How Did the Ultra-Wealthy Solve This Problem?

While most entrepreneurs struggle with fragmented advice and conflicting incentives, billionaire families solved this problem generations ago. Their solution? The family office—a dedicated team of professionals working exclusively for them, coordinated by a CEO who ensures every financial decision aligns with their long-term goals.

The Family Office Model

Billionaire family offices operate completely differently from traditional financial advisory relationships.

Single-Client Focus

The family office works exclusively for one family, eliminating conflicts of interest

Comprehensive Coordination

All aspects of wealth management are integrated—from investments and taxes to estate planning and philanthropy

True Fiduciary Alignment

With no products to sell or commissions to earn, the family office is incentivized solely to optimize the family's wealth

Proactive Strategy

Rather than reacting to market events or tax deadlines, they develop and implement sophisticated long-term plans

Specialized Expertise

They employ or contract with true experts in each area of wealth management rather than generalists

This model was built for billionaires: the single family offices surveyed in UBS’s Global Family Office Report 2024 represent families averaging $2.6 billion in net worth. J.P. Morgan’s 2026 Global Family Office Report puts the average annual operating cost at about $3 million, and J.P. Morgan and Campden Wealth research generally place the entry point at $100 million to $250 million or more in assets—putting traditional family offices out of reach for most successful entrepreneurs.

The Birth of the Fractional Family Office®

Recognizing this gap, we pioneered the Fractional Family Office® model to bring billionaire-level wealth management to successful entrepreneurs without the massive overhead costs.

The cornerstone of this approach is the Linchpin Partner®—essentially your personal wealth CEO who develops your overall wealth strategy, assembles and coordinates your professional team, and ensures every financial decision aligns with your long-term goals. This model delivers the comprehensive, coordinated approach of a billionaire family office scaled appropriately for entrepreneurs running seven- to nine-figure businesses.

Discover Your Potential Wealth Savings with Our Wealth Waste Calculator

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Profile picture of Pete Vargas
"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

What Is a Linchpin Partner®?

Your Linchpin Partner® serves as the CEO of your financial life, operating at the center of your wealth management system to ensure everything works in harmony. Think of them as your personal CFO and Chief Financial Strategist—a trusted advisor who understands both your business and personal financial lives and ensures they work together seamlessly.

Unlike traditional financial advisors who focus on selling products or gathering assets to manage, a Linchpin Partner® takes a fundamentally different approach.

Non-Negotiable Criteria

At Dew Wealth, our team of Linchpin Partner® advisors must meet three essential criteria that set them apart from traditional advisors:

True Fiduciary Responsibility

A True Fiduciary is legally and ethically bound to put your interests ahead of their own—at all times, across your entire financial life. That is a broader duty than the transaction-focused standards, such as Regulation Best Interest, that govern how brokers recommend investments.

Our Linchpin Partner® advisors operate as fiduciaries across all aspects of your financial life—investments, insurance, tax planning, entity structure, estate design, and more. We accept no commissions, no referral fees, and no kickbacks from any products or professionals we recommend.

Cole Gordon

"I've sent a ton of high seven-figure, eight-figure folks to him who have very complex problems financially, and I was telling him the other day, everybody has said amazing things about their service. And not just Jim is amazing, but also his account managers."

—Cole Gordon, CEO of Closers.IO 
Unpaid client testimonial

Specialized Experience with Entrepreneurs

Generic financial advice doesn’t work for entrepreneurs. You need someone who understands the unique challenges and opportunities you face.

We have more than 25 years of experience working with business owners and entrepreneurs. We understand the intersection of business and personal finance, the complexity of business transitions, and the tax challenges unique to entrepreneurs.

Unlike traditional advisors who might have a handful of business owner clients among hundreds of others, we work exclusively with entrepreneurs—giving us deep insight into the strategies that actually work for people like you.

Expert Knowledge Across Financial Disciplines

Most financial professionals specialize in one area: investments, taxes, insurance, or estate planning. This specialization creates the silos that plague traditional wealth management.

A true Linchpin Partner® must have expert-level knowledge across all these disciplines to effectively coordinate them. They don't need to be the deepest technical expert in every area—that's what specialist team members are for—but they need sufficient expertise to ensure all the pieces work together.

Dave Asprey
"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 who has generated over $500 million in revenue. 
Unpaid client testimonial

How Does a Linchpin Partner® Fix Your Wealth Wheel?
From Broken to Functional

The Linchpin Partner® transforms your “financial flat tire” into a smoothly running Wealth Wheel by:

Evaluating Your Current Team

Assessing the strengths and weaknesses of your existing advisors

Upgrading Underperformers

Replacing subpar professionals with A-players from our national network of vetted specialists

Ensuring Team Collaboration

Creating systems for regular communication and coordination among all your advisors

Monitoring Ongoing Performance

Providing accountability through regular reviews and benchmarking

Managing the Complex
Whole

Ensuring nothing falls through the cracks in your wealth management system

As your Linchpin Partner® takes over the coordination role, you shift from being trapped at the center of a broken wheel to becoming the driver of a finely-tuned wealth vehicle.

Calculate How Much Your Current Approach Is Costing You with Our Wealth Waste Calculator

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Cameron Herold

"I was originally just looking for somebody to help me out with my wealth management, financial planning and to help do some tax savings; but they've been way more than that," "Unbelievable to work with. Super, super high integrity. Fast turnaround, really professional, great detail, easy to work with."

Cameron Herold, Founder of the CEO Alliance
Unpaid client testimonial

What Changes When You Work
with a Linchpin Partner®?

Working with a Linchpin Partner® fundamentally changes how you manage your wealth. Here’s what changes:

From Reactive to Proactive

Instead of scrambling to respond to tax deadlines, market changes, or business opportunities, your Linchpin Partner® helps you develop comprehensive strategies that anticipate and prepare for these events.

Lee Richter

"They pay attention to little details that other people miss. They've made my team happier, and they've made my life a lot easier."

Lee Richter, Chief Visionary Officer & CEO of Global Leaders Collective
Unpaid client testimonial

From Fragmented to Integrated

Rather than having disconnected advisors making recommendations in isolation, your Linchpin Partner® ensures every aspect of your wealth strategy works in concert. This integration eliminates the gaps, conflicts, and inefficiencies that plague traditional approaches.

Mike Arce

"I spend my time doing what I love, and I am good at. My team does what they are good at. And we know that there's someone managing all the other stuff that I don't want to spend time doing. They have completely removed all financial stress from my life."

Mike Arce, Founder of Loud Rumor
Unpaid client testimonial

From Time-Consuming to Time-Saving

Perhaps the most immediate benefit entrepreneurs experience is reclaiming their time. Instead of spending hours coordinating advisors and trying to make sense of complex financial recommendations, you have a single point of contact managing everything. That is the heart of our wealth management for business owners approach—the Time-Energy Shield.

Keala Kanae

"Adding them to my team has easily been one of the best decisions that I've ever made, bar none in business. They've helped me actually maximize my investments."

Keala Kanae, Founder & CEO of Fullstaq Marketer
Unpaid client testimonial

From Opportunity Cost to Opportunity Capture

With a Linchpin Partner® managing your wealth strategy, you gain access to opportunities typically reserved for the ultra-wealthy:

  • Advanced tax planning for business owners—documented client tax-savings projections ranged from $0 to $904,313, with a statistical average of $203,769 for eight- and nine-figure entrepreneurs (2024 projections; individual results vary)
  • Alternative investments beyond traditional stocks and bonds, guided by a family office investment strategy
  • Sophisticated asset protection structures that help shield your wealth
  • Coordinated wealth transfer planning and business succession

These strategies can create compounding benefits that accelerate your wealth building over time.

How Do You Choose the Right Linchpin Partner®?

Not every Linchpin Partner® is created equal. The right partner for you should meet these essential criteria:

Fiduciary at All Times

Ensure your Linchpin Partner® is a fiduciary 100% of the time—not just when managing investments. Ask these revealing questions:

  • "How are you compensated? Do you receive any commissions, referral fees, or kickbacks from recommended products or professionals?"

  • "Are you legally bound to put my interests first in all aspects of our relationship?"

  • "Can you provide a written fiduciary oath that covers all aspects of our engagement?"

The right answer is complete transparency with no hidden compensation that could create conflicts of interest.

Entrepreneur-Specific Experience

Your Linchpin Partner® should have deep experience with entrepreneurs specifically, not just general financial planning credentials. Ask:

  • "What percentage of your clients are entrepreneurs or business owners?"

  • "How many years have you been working specifically with entrepreneurs?"

  • "Can you provide examples of how you’ve helped entrepreneurs in situations similar to mine?"

Look for someone who works exclusively or primarily with entrepreneurs and has done so for at least a decade.

Comprehensive Knowledge

Your Linchpin Partner® needs sufficient expertise across multiple financial disciplines—from tax strategy to estate planning—to effectively coordinate specialists. Ask:

  • "How do you stay current on tax law, investment strategies, asset protection, and estate planning?"

  • "Can you explain how these different areas of wealth management interact with each other?"

  • "How do you coordinate specialists to ensure they’re working together effectively?"

The right partner should demonstrate comfort discussing all these areas while knowing when to bring in deeper specialists.

Cultural & Personal Fit

Beyond technical qualifications, the relationship with your Linchpin Partner® is deeply personal. You’ll be sharing intimate details about your finances, family, and aspirations. Ask yourself:

  • "Do I trust this person with sensitive information about my wealth?"

  • "Do they understand my values and priorities beyond just the numbers?"

  • "Would I enjoy working with them over the long term?"

Systematic Approach

Finally, your Linchpin Partner® should have clear systems and processes for managing your wealth rather than an ad-hoc approach. Ask:

  • "What system do you use to ensure nothing falls through the cracks in my wealth management?"

  • "How do you monitor and evaluate my professional team’s performance?"

  • "What regular review processes do you have in place?"

Look for structured approaches to every aspect of wealth management rather than reactive, seat-of-the-pants methods.

Those criteria are the summary. The full interview list — the twelve questions to ask a financial advisor to put to every candidate, what a complete answer to each one contains, and how to check the answers against Form ADV and the SEC’s public records — is set out in its own guide.

Profile image of Claudia Zanes
"What we've enjoyed about working with Dew Wealth is primarily the human side that they bring to the business that can be so complicated. They truly care about our well-being."
Claudia Zanes, Co-Founder of Zanes Law
Unpaid client testimonial

How Does the Linchpin Partner® Onboarding Process Work?

At Dew Wealth, we’ve refined our Linchpin Partner® onboarding process for more than 25 years to ensure nothing gets missed. Here’s how we transform your wealth management approach:

 


P H A S E  O N E

Comprehensive 
Discovery

We begin with a deep dive into your current financial situation, examining your:

Business structure, operations, & future plans

Personal assets, liabilities, & cash flow

Existing professional team & their performance

Tax returns for the past two years

Current insurance coverage & estate documents

Investment portfolio & strategy

Long-term goals & priorities

This thorough analysis allows us to identify gaps, inefficiencies, & opportunities in your current approach.


P H A S E  T W O

Strategic 
Development

Based on our discovery findings, we develop a comprehensive wealth strategy that addresses:

Tax optimization across business and personal finances 

Investment allocation based on the "billionaire model"

Risk management and asset protection

Estate and legacy planning

Business succession and exit strategies

We present this strategy in clear, actionable terms, explaining not just what we recommend but why.


P H A S E  T H R E E

Implementation

 

With your strategy approved, we coordinate implementation across your entire wealth team:

Managing communication with existing advisors

Bringing in specialist expertise where needed

Overseeing documentation and execution

Ensuring all elements are properly integrated

Providing regular progress updates

This phase typically takes 90-360 days depending on the complexity of your situation.

 


P H A S E  F O U R

Ongoing 
Management

Once your initial strategy is implemented, we provide continuous oversight & optimization:

Regular strategy reviews (typically quarterly)

Proactive identification of new opportunities

Adjustments based on changing laws, markets, and personal circumstances

Coordination of your professional team through regular communication

Annual comprehensive strategy refinement

This approach ensures your wealth management operates with the same level of professionalism & strategic thinking that you apply to your business.

Frequently Asked Questions

What distinguishes a Linchpin Partner® from other financial advisors?

A Linchpin Partner® differs from traditional advisors in several key ways. First, they serve as a True Fiduciary in all aspects of your financial life, not just investments. Second, they focus specifically on entrepreneurs rather than general financial planning. Third, they coordinate all aspects of your wealth management—taxes, investments, estate planning, business strategy—rather than operating in silos. Finally, the core compensation model is a transparent flat fee—no product commissions and no referral fees—aligning their incentives directly with your interests.

 

How is your fee structure different from traditional wealth managers?

Our core model is a flat monthly subscription: family office services are provided for transparent fixed fees, and we do not sell products for commissions or accept referral fees. Traditional advisors typically charge a percentage of the assets they manage—about 1% per year, per the 2026 Envestnet fee study—which rewards gathering assets rather than solving problems. Our fees are based on the complexity of your situation, so we can recommend whatever strategies best serve your needs without product-sales conflicts of interest.

 

Do I need to replace my current advisors to work with a Linchpin Partner®?

Not necessarily. We evaluate your existing team based on performance and fit, often continuing to work with qualified professionals who are serving you well. Where we identify gaps or underperformance, we can recommend specialists from our national network of vetted professionals. Either way, your Linchpin Partner® serves as the quarterback of your wealth team, ensuring everyone works together effectively toward your goals.

 

What types of entrepreneurs do you typically work with?

We specialize in serving entrepreneurs running seven- to nine-figure businesses across various industries. Our clients typically have complex financial situations involving business ownership, significant income, and substantial assets. They’re looking for sophisticated strategies beyond what traditional advisors offer but don’t yet have the scale for a traditional family office. Most importantly, they value having a dedicated partner who takes ownership of their wealth management so they can focus on their business and family.

 

How is this different from having a CFO in my business?

A business CFO focuses specifically on your company’s finances—budgeting, financial reporting, cash flow management, etc. Your Linchpin Partner®, by contrast, focuses on your complete wealth picture—coordinating both business and personal finances to grow your overall wealth. They ensure your business strategy aligns with your personal financial goals—including strategies to increase your profit margin—and manage the complex intersection between the two, which most business CFOs aren’t equipped to handle.

 

How much does a Linchpin Partner® cost?

Dew Wealth charges transparent fixed fees rather than commissions, and a Linchpin Partner® leads every engagement. Depending on the service level, ongoing family office programs range from $1,000 to $12,000 per month, our one-year Wealth Builder program is $24,000, and a one-time Family Office Assessment is available at fixed fees up to $40,000 depending on scope. Full fee details are in our Form ADV. Compare that with the multimillion-dollar annual budget of a traditional family office.

 

Is a Linchpin Partner® the same as a personal CFO?

The Linchpin Partner® is Dew Wealth’s version of a personal CFO—with a broader mandate. Like a personal CFO, they oversee the finances of your entire life, not just your business. Beyond that, a Linchpin Partner® is a fiduciary who actively coordinates your full advisory team—CPA, attorneys, insurance, and investment specialists—inside the Fractional Family Office® model, so every strategy works together. If you’ve been searching for personal CFO services, the Linchpin Partner® role is that concept, systematized.

 

What if I already have an investment advisor I’m happy with?

That's not uncommon. Many of our clients come to us with existing investment relationships they wish to maintain. We can work alongside your current investment advisor, providing coordination and strategic guidance while they continue managing your portfolio. Over time, we often find opportunities to optimize these relationships or suggest complementary strategies your advisor may not offer.

Calculate How Much Your Current Approach Is Costing You with Our Wealth Waste Calculator

 

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Profile image of Joel Marion
"They have been a tremendous help. They were able to put in tax strategies to save me hundreds of thousands of dollars. They've also been able to reduce the fees for some of my financial advisors that will also save me hundreds of thousands of dollars per year."
Joel Marion, Co-Founder of BioTrust Nutrition
Unpaid client testimonial

Making Rich Real Through Partnership

For successful entrepreneurs, the journey from business success to lasting wealth isn’t automatic. It requires the same level of strategic thinking, systematic processes, and expert guidance that built your business in the first place.

The Linchpin Partner® model represents a fundamental reimagining of wealth management for entrepreneurs—bringing billionaire-level strategies and coordination to owners of seven- to nine-figure businesses through the Fractional Family Office® approach. Your business deserves a strategic approach to wealth management that matches its sophistication and complexity. Your Linchpin Partner® serves as the CEO of that process, coordinating every aspect of your financial life to help you Make Rich Real®.

Ready to explore how a Linchpin Partner® could change your approach to wealth management? Hear directly from our clients, then take the first step by calculating your potential savings with our Wealth Waste Calculator.

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Page last updated: August 2, 2026

Disclosure

Dew Wealth Management, LLC ("Dew Wealth") is an SEC-registered investment adviser located in Scottsdale, Arizona. Registration does not imply a certain level of skill or training. The information provided in this material is for general informational and educational purposes only and should not be construed as personalized investment, tax, or legal advice. All investing involves risk, including the potential loss of principal.

This material contains the opinions of Dew Wealth, and such opinions are subject to change without notice. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy, or investment product. Testimonials presented are unpaid testimonials from actual clients of Dew Wealth. Client testimonials may not be representative of the experience of other clients and are not indicative of future performance or success. The individuals providing testimonials were not compensated for their statements. Results depicted in client testimonials may vary from client to client based on their specific circumstances, and there are no guarantees that any client will achieve similar results.

References to "Advanced tax strategies," "billionaire models," "family office approaches," and other similar terms are general descriptions and are not guarantees of specific outcomes. Tax strategies that may be appropriate for one individual may not be appropriate for another, and all strategies are subject to changes in tax laws and regulations. The client tax-savings figures referenced on this page—projections ranging from $0 to $904,313 with a statistical average of $203,769 (2024 client projections)—are derived from Dew Wealth’s documented Wealth Waste Calculator methodology and historical client analyses; they represent historical projections for certain clients, individual results can and will vary, and they should not be construed as guarantees of specific results. Industry statistics cited on this page (family office operating costs, family office asset thresholds, average surveyed family net worth, and advisory fee averages) are drawn from published third-party studies, including the J.P. Morgan Global Family Office Report, the UBS Global Family Office Report 2024, Campden Wealth research, and the 2026 Envestnet MoneyGuide fee study, and are provided for general context. Dew Wealth is not a law firm or accounting firm, and no portion of this content should be interpreted as legal, accounting, or tax advice. Certain representatives of Dew Wealth maintain insurance licenses to allow for consultation on insurance needs; they do not solicit clients for commission-based insurance sales, and such licenses are maintained for the purpose of receiving trail commissions on previously implemented policies, as described in our Form ADV Part 2A. Alternative investments mentioned in this material involve higher fees, limited liquidity, and may lack transparency compared to traditional investments. They may not be suitable for all investors and could involve a high degree of risk. Past performance is not indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product will be profitable or equal any historical performance levels.

Fractional Family Office®, Wealth Waste Calculator®, Linchpin Partner®, and Make Rich Real® are registered trademarks of Dew Wealth Management, LLC. Dew Wealth may only transact business in those states in which it is notice-filed or qualifies for an exemption or exclusion from notice-filing requirements. For information regarding the registration status of Dew Wealth and its professionals, please see the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. For full details about our services, fees, and other important information, please review our Form ADV Part 2A, which is available on the SEC’s website or by request from our office. Our Relationship Summary (Form CRS) is also available on request.

By accessing, using, or receiving this Document, the Recipient acknowledges and agrees to be bound by the terms and conditions outlined at DewWealth.com/IP.