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You’ve built significant wealth, whether through selling your business, advancing your career, or receiving an inheritance. Now comes a new challenge: protecting it, growing it strategically, and ensuring it supports your family across generations.
Croak Capital provides family office services for individuals, families, and foundations with $2 million or more in investable assets. We guide clients through major financial transitions: business exits, inheritances, complex executive compensation, and wealth transfers.
Here’s what makes us different: We’ll tell you honestly whether you need comprehensive family office services or if a more straightforward approach better serves your situation. Our job is to recommend what’s right for your family, not sell you the most expensive option.
What Are Family Office Services?
Managing your money isn’t just about picking investments. You’re coordinating tax strategies with estate plans, timing stock option exercises to minimize AMT, protecting assets from potential lawsuits, preparing your children to handle wealth responsibly, and ensuring your charitable giving actually reduces your tax burden.
Family office services integrate these moving parts. Instead of managing separate advisors who don’t coordinate, you get unified oversight of your full financial picture: investments, taxes, estate planning, risk management, family governance, and philanthropy.Croak Capital operates as a private wealth management firm, delivering family office-level services scaled to your wealth. We help you evaluate whether a full single-family office, multi-family office participation, or comprehensive advisory services is appropriate, then provide the solution that best fits your situation.
Who We Serve
Business Owners After Selling
Selling a company creates liquidity and a new set of interlocking decisions that differ markedly from running the business. After taxes are settled, you must determine how and when to diversify concentrated risk, stage capital gains to limit drag, establish trusts and entities that reduce transfer taxes, and translate a one-time windfall into a durable income plan that supports lifestyle, heirs, and philanthropy.
We coordinate investment policy, tax modeling, and estate structure in a single plan, working with your CPA and attorney to document the pace of reinvestment and the guardrails that keep decisions consistent through market cycles. Our objective is to move from cash to a resilient, tax-aware portfolio without compromising flexibility for new ventures or family priorities.
Medical Practitioners
High income, late savings starts, complex benefits, and liability risks require an integrated framework rather than isolated choices. We align qualified and nonqualified plans, structure asset-protection-aware portfolios, and map accumulation and distribution stages around career demands and family goals.
Debt management, practice buy-ins and buyouts, disability and umbrella coverage, and irregular cash flow are addressed within a coordinated schedule that reduces behavioral mistakes and tax friction. The result is a disciplined plan that compounds capital during peak earnings and transitions cleanly into retirement with preserved principal and predictable income.
Corporate Executives
Executive wealth concentrated in a single issuer demands multi-year planning that respects tax, liquidity, and blackout windows. We build equity liquidation schedules for RSUs, ISOs/NSOs, ESPPs, and deferred compensation that manage AMT exposure, 10b5-1 execution, and diversification thresholds while considering charitable and trust strategies for efficiency.
Transactions are coordinated with plan administrators and integrated into your broader balance sheet so that single-stock risk declines in a measured way without sacrificing upside where appropriate. The aim is to convert complex compensation into a reliable engine for long-term wealth creation.
Inheritance Recipients
A substantial inheritance introduces both opportunity and responsibility, and it benefits from clear governance and prudent pacing. We establish sustainable withdrawal policies, align beneficiary designations, and coordinate trust funding with your estate attorney so protections and controls function as intended.
Education for heirs, documented decision rights, and a thoughtful philanthropic strategy help preserve family harmony while maintaining investment discipline. The plan emphasizes stewardship, risk control, and continuity of values across generations.
Windfall Recipients
Unexpected liquidity from settlements, options events, or insurance proceeds should begin with stabilization rather than quick deployment. We use a hold-and-assess framework to prevent irreversible errors, then stage capital into a portfolio consistent with tax realities, time horizons, and liquidity needs.
Where appropriate, charitable vehicles and trusts are evaluated to improve after-tax outcomes and protect assets. Our priority is to convert a one-time event into a structured foundation for long-term security.
What We Do
Investment Management
We design portfolios to maximize after-tax, after-fee outcomes through changing markets while respecting liquidity and risk constraints. Public market building blocks are combined with private equity, private credit, or real assets when suitable, and concentrated stock positions are addressed through staged diversification, charitable transfers, tax-aware harvesting — and where appropriate — structured hedges.
A documented rebalancing cadence, risk checks, and decision-oriented reporting keep allocations aligned as markets and life circumstances evolve. Private investments are underwritten for role, size, fees, and cash-flow impact within your total plan to avoid unnecessary complexity while accessing durable return drivers.
Tax Optimization
Tax efficiency is achieved through sequencing rather than isolated year-end tactics. We model the multi-year effects of equity exercises, portfolio withdrawals, charitable gifts, and estate transfers, and we coordinate with your CPA to execute decisions on a defined calendar.
Strategies may include donor-advised funds, split-interest trusts, grantor and dynasty structures, and entity-level planning for business or real estate, all documented within your investment and estate policies. The goal is to reduce lifetime tax burden while supporting liquidity, risk management, and legacy objectives.
Estate Planning Coordination
We help design and fund revocable and irrevocable trusts, align titling and beneficiary elections, and ensure successor roles are clear and practical. Beyond documents, we facilitate family charters, investment committee protocols, distribution guidelines, and communication rhythms that reduce ambiguity and conflict.
Reviews are triggered by life events and scheduled cadences so the plan remains accurate, enforceable, and fully implemented. The emphasis is on continuity, control, and simplicity for future decision-makers.
Family Governance and Next-Generation Education
Governance is the operating system that determines whether wealth supports long-term goals. We define mission statements, decision rights, approval thresholds, and charitable policies, while providing age-appropriate education that builds competence from basic literacy to committee participation.
This structured exposure prepares heirs for responsibility, reduces behavioral risk, and reinforces a healthy relationship with money and purpose.
Advisor Coordination
We do not replace trusted professionals; we orchestrate them. Joint workstreams with your CPA, attorney, and insurance advisors convert analysis into execution, with shared pre-work, scenario models, and consolidated action lists.
You receive one coordinated plan and a single accountable owner so that investments, taxes, and estate structures move in concert.
Why Choose Croak Capital?
Families select Croak Capital for fiduciary wealth management driven by strategy rather than sales; for integrated oversight of investments, taxes, and estate planning; and for clear documentation that turns preferences into repeatable decisions.
Our proactive cadence ensures actions occur on time, our governance and education prepare heirs for stewardship, and our fee structure delivers family-office-level coordination without unnecessary overhead. The outcome is clarity, structure, and confidence that your capital supports today’s needs while preserving options for future generations.
By partnering with us, you’ll get:
- Fiduciary commitment. Every recommendation is made in your best interest and guided by strategy, not sales.
- Integrated oversight. We coordinate with your CPA, estate attorney, and insurance advisors to ensure all aspects of your wealth work together seamlessly.
- Tailored strategies. Your plan reflects your specific situation, goals, and values without relying on generic solutions.
- Proactive planning. From tax management to estate transfers, we anticipate challenges and position your wealth for long-term security.
- Family-focused guidance. We prepare the next generation to manage wealth responsibly through governance structures and age-appropriate education programs.
- A cost-efficient approach. Our services scale to your wealth level, giving you family office-quality guidance without unnecessary overhead.
With Croak Capital, you gain clarity, structure, and confidence so your wealth works for your family today and for generations to come. You can begin building a plan that aligns with your long-term goals while maintaining your family’s financial security and privacy.
Frequently Asked Questions:
We typically work with clients who have $2 million or more in investable assets. Below this threshold, the complexity of coordinated wealth management usually doesn’t justify the level of oversight and service we provide.
Our fees are based on the complexity of your financial situation, the scope of services you need, and your total assets under management. Croak Capital uses a transparent, fee-only structure that aligns our success with yours; we don’t earn commissions on product sales, so our recommendations are always made in your best interest. Fixed fee arrangements are available and start at $25,000 per year.
During your initial consultation, we’ll discuss your specific needs and provide a detailed fee proposal tailored to your situation. This ensures you understand exactly what you’re paying for and how our services deliver value for your family’s wealth management goals.
No. We coordinate with your existing advisors to ensure alignment across your financial, legal, and tax strategies. If you don’t have an estate attorney or tax specialist, we can refer you to qualified professionals we trust.
All client information is protected under strict confidentiality protocols. We also structure engagements to maximize privacy, including the use of trusts and legal entities where appropriate.
We adapt our strategies to your evolving circumstances. Whether you receive an inheritance, sell another business, face a health event, or need to support family members, we adjust your plan to maintain long-term stability and alignment with your goals.
Yes. We serve families nationwide and coordinate with local advisors to ensure compliance with state-specific regulations and tailored wealth management strategies.
We evaluate your current structure and recommend more cost-effective alternatives. Many families paying $300K+ annually can get equivalent oversight through our private wealth management approach at a fraction of the cost.
That depends on your preference. Some clients want to review every decision; others prefer quarterly check-ins with us handling day-to-day oversight. We adapt to your level of involvement while keeping you informed of major decisions.
Yes. Pre-sale planning is essential to maximize the value of your business and prepare for post-exit wealth management. We work with your existing M&A advisors and legal team to structure the transaction tax-efficiently, develop strategies for deploying proceeds, and ensure your wealth is positioned for long-term growth and security.
We guide clients through a broad spectrum of investment options, including public equities, private markets, and alternative strategies. Croak Capital focuses on risk management, portfolio allocation, and diversification to ensure each investment aligns with your long-term goals, liquidity requirements, and overall wealth strategy.
Schedule a Consultation
The right wealth strategy protects principal, minimizes avoidable taxes, and creates a durable legacy through coordinated investment management, tax planning, estate structures, and family governance. If you are preparing for a business sale, managing equity compensation, handling an inheritance, or simply want a fully integrated plan, we can help.
Contact (419) 464-7000 or hello@croakcapital.com to schedule a conversation; we are based in Toledo, Ohio, and serve families nationwide.