Integrated Wealth Management for modern financial lives.
Growth, income, cash flow, and major assets should work from one plan. We help investors, founders, families, and business owners coordinate decisions with a human fiduciary accountable for the advice.
If we're not the right fit, we'll say so.Who we serve
What are you trying to do with your wealth?
The portfolio matters, but it is not the whole picture. A modern planning process starts with the financial life the portfolio is meant to support. Income, cash reserves, growth portfolios, business value, real estate, private assets, family goals, taxes, estate documents, insurance review, and digital assets where relevant all shape the same set of decisions.
Growth, income, reserves, operating cash, taxes, family needs, and future opportunities compete for the same capital. We help clients decide what to invest, what to keep liquid, what to reduce, and how each decision fits the broader plan.
Complexity can come from concentration, liquidity events, a business, a family balance sheet, an entity treasury, digital assets, or several of those at once. The point is not the label. The point is that the decisions are connected and need one accountable process.
View all audiencesCrypto wealth
Digital assets can create custody, liquidity, concentration, tax, estate-access, and operational questions that traditional planning often misses.
Explore crypto wealthEmployee liquidity event
A liquidity event can compress exercise, tax withholding, lockup, sell-down, and reinvestment decisions into a short window.
Explore liquidity planningSmall business owner
A business owner plan needs to connect distributions, reserves, exit options, taxes, estate coordination, insurance, and reinvestment.
Explore owner planningRetirement income
Income planning connects withdrawal sequencing, cash reserves, taxes, portfolio risk, Social Security timing, required distributions, and legacy goals.
Explore income planningGrowth investor
A growth plan should define goals, time horizon, liquidity, tax coordination, concentration limits, and review triggers before asset selection.
Explore growth planningHow Protocol works
One fiduciary process, recorded end to end
Your financial life is too important for generic advice and too personal for black-box automation. Our process is designed to organize the facts, model tradeoffs, coordinate specialists, and keep a human fiduciary accountable for client-facing advice.
Map
Gain clarity
Organize assets, income, goals, obligations, values, and constraints.
Define
Set objectives
Clarify what growth, income, flexibility, family, and opportunity should support.
Model
Compare tradeoffs
Evaluate scenarios without turning estimates into promises.
Coordinate
Align resources
Work with CPAs, attorneys, insurance professionals, and other specialists where appropriate.
Implement
Act deliberately
Prioritize the next decisions and document the reason for each step.
Review
Adapt over time
Monitor progress and update the plan as markets, taxes, business needs, and life change.
Planning, portfolio, tax coordination, custody review, and treasury policy run through Protocol Wealth's operating system (PWOS). The technology is the proof layer: analysis stays consistent and every step is recorded.
Human fiduciary accountability
Technology supports research, organization, and documentation. It does not make autonomous client recommendations, execute trades, control assets, or replace fiduciary judgment.
Are we the right fit?
As fiduciaries, our obligation is to meet your goals — not impose our biases. We're both traditional and forward-leaning, which isn't for everybody. If we're not the right fit, we'll say so.
Want a systematic, research-backed approach applied to all asset types, traditional and digital
Have concentrated stock, private business value, SPVs, venture funds, entity cash, trust complexity, or token positions that need structured decisions
Need advice around assets that may remain with outside custodians, self-custodial platforms, funds, or other client-controlled positions
Want an advisor to take a specific view on your situation, not recite generic best practices
Value transparency — our process is documented, our profiles are public, and parts of the proof layer are open source
Are comfortable with a younger firm (formed 2025) that uses quantitative frameworks and technology under human fiduciary review
Conservative, passive wealth management? These fiduciary-only directories connect you with excellent advisors: XYPN, NAPFA, Let's Make a Plan.
Manage your own portfolio? Bogleheads is an outstanding community for self-directed, evidence-based investing.
Want a second opinion first? Schedule a consultation — we'll be honest about whether we're the right fit.
Conservative means different things to different people — it's not as simple as selecting a box. We think everyone could benefit from understanding their own behavioral biases and investment approach, regardless of which adviser they choose.
The team
Built by Operators and Investors
Protocol Wealth is a newer firm structure, but it is not starting from scratch. The partner-led team combines fiduciary advice, RIA operations, investment management, buy-side trading, digital-asset, compliance, operations, and technology backgrounds. Public registration records are available through FINRA BrokerCheck and SEC IAPD where applicable.
FINRA/SEC-registered since May 2009 → MML Investors Services → Cambridge Investment Research Advisors → Chart Wealth Management RIA → Interaxis founder (2019) + PlannerDAO co-founder → Protocol Wealth CCO (2025 – present)
LinkedIn
FINRA-registered since February 2000 → Morgan Stanley → Crabel Capital systematic futures desks (buy-side, 2003 – 2009) → Robert W. Baird → Fintrust → IMST Distributors → Fidelity Personal & Workplace Advisors → Protocol Wealth CIO (2025 – present)
LinkedIn
FINRA-registered since December 2011 → Navy SWO (USS Porter DDG-78) → Deloitte (PKI identity) → Merrill Lynch VP/Senior Financial Advisor (Oct 2011 – Jul 2022) → founded Ironclad Financial RIA (Jul 2022) → Protocol Wealth (2025 – present)
LinkedInClient assets are held with independent custodians or in client-controlled wallet infrastructure where appropriate. Protocol Wealth advises, monitors, and documents the process; it holds no client private keys and can transact only to client-pre-approved destinations.
Next step
Bring the full picture to one process
Schedule a consultation to discuss your current structure, what decisions are pending, and whether Protocol Wealth is the right fiduciary partner.
Protocol Wealth, LLC is an SEC-registered investment adviser (CRD #335298). Advisory services are provided only under a signed advisory agreement. See Disclosures, Form ADV, and Form CRS. All investing involves risk, including the possible loss of principal.