Assets Under Management $118.9M IntelliCapital Advisors · Ponte Vedra Beach, FL
SEC Registered Investment Adviser · CRD 316908

Fee-Only · Fiduciary · Independent

Wealth management
bound as an heirloom.

We built our own operating system — the folio — so every decision made on your behalf is written, signed, and logged in a tamper-evident record you can read at any time. Not a promise. A proof.

Ch. I
Goals
Ch. II
Inventory
Ch. III
Tax
Ch. IV–XI
More chapters
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The Folio

Eleven chapters. One household. One living document.

The folio is not a deliverable produced at onboarding and forgotten in a drawer. It is maintained through every life event — written, signed, and bound — for as long as the household endures.

I
Goals
The plan begins here — what you want, why it matters, and how success is defined for your household.
II
Inventory
Every account, every policy, every obligation — catalogued and connected to the plan it serves.
III
Cash Flow
Income, expenses, and the rhythm of your financial life — mapped monthly, not annually.
IV
Tax
Proactive tax strategy — harvesting, Roth windows, RMDs, and charitable timing woven into the plan.
V
Retirement
The shape of your working life to come — income projections, withdrawal strategy, and the gap between now and independence.
VI
Investment
Evidence-based construction, aligned to the goals in your folio — not a benchmark disconnected from your life.
VII
Estate
What the document says and what the accounts do — aligned, funded, and maintained through every change.
VIII
Digital
Your digital legacy — accounts, credentials, the infrastructure of a modern financial life.
IX
Insurance
The risks you carry and the ones transferred — a fee-only review, not a sales conversation.
X
Consolidated
The full picture — all chapters connected, every thread of your financial life visible in one place.
XI
Review
Quarterly reviews, annual refreshes, life events handled in real time — the plan lives, the ledger grows.
The Ledger

Every action, on the record.

The firm's internal system writes a tamper-evident entry for every action taken on your behalf. Who did it. When. Why. Linked to the chapter of your folio it affects.

Household #4201 · Q3 2025 Live
Jul 08 Quarterly rebalance · tax-aware MM
Jul 22 Roth conversion window · $42k MM · RF
Aug 03 Beneficiary review · trust update KG
Aug 17 Folio Ch. V updated · retirement MM
Sep 01 529 contribution coordinated RF
Sep 14 TLH · $18,400 realized · offset MM
Sep 28 Annual review · folio read-through MM · Client
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~75
client families per advisor
vs. industry average of 150+
100%
fee-only compensation
no commissions, no referral fees
$1M+
minimum investment
any tier, same plan, same folio
Who We Serve

Every household, the same treatment.

We built our firm so a one-million-dollar household receives the same plan, the same folio, and the same attention as one thirty times its size. The work — planning, tax coordination, estate choreography — does not scale by cutting corners.

I
Foundational
$1M – $3M
Growing families and first-generation earners. The folio begins here — written before the next decade arrives.
II
Established
$3M – $10M
Executives, owners, families in their prime earning decades. Tax strategy, estate, and investment woven into one plan.
III
Multi-Generational
$10M – $30M
Multi-generational wealth, business succession, family governance. The folio becomes a ledger of choices, passed on with the assets.
How We Work

Four steps, then decades.

i
Introduction
A complimentary conversation. No deliverables, no pressure. We learn whether we are the right fit — and tell you honestly if we are not.
1 hour
ii
Discovery
We inventory the full picture — accounts, documents, goals, obligations. The raw material from which the folio is built.
30 days
iii
The Folio
Eleven chapters, written over 90 days. Your plan — bound, signed, placed in your hands. Not a proposal. A document you keep.
90 days
iv
Stewardship
Quarterly reviews, annual folio refreshes, life events handled in real time. The plan lives. The relationship compounds.
Ongoing

Your folio,
unwritten.

A one-hour conversation — no obligation, no deliverables, no cost. If we are the right fit, you will know. If we are not, we will tell you who is.

Ponte Vedra Beach, FL · intellicapital@polsia.app