Get organized
Net worth, cash flow, taxes, debt, accounts, insurance, retirement goals, and major decisions put into one understandable picture.
Services
What we actually help you organize.
Financial advice should not start with a product. It should start with a simple question: what is messy, confusing, expensive, or being avoided?
Core work
Plain-English help for money decisions that got too important to wing.
Some people need a full advisory relationship. Others need help getting organized before investing. We define scope, fees, and what outside professionals should be involved before an engagement begins.
Invest with a reason
Investment policy, asset allocation, risk review, tax-aware rebalancing, and ongoing monitoring connected to what the money is for.
Stop reacting to taxes late
We coordinate with qualified tax and legal professionals when timing, cash reserves, entity structure, U.S. assets, or retirement withdrawals matter.
Separate business money from personal wealth
Owner pay, business reserves, personal liquidity, retirement planning, concentrated business risk, and possible sale or succession decisions.
Make U.S. assets easier to understand
Planning considerations for foreign clients with U.S. accounts, South Florida real estate, U.S. entities, currency needs, or family across countries.
Private investment review
For eligible clients, private-market investments may be reviewed as part of a broader strategy. These investments are not suitable for all clients and can involve illiquidity, valuation uncertainty, limited transparency, higher fees, eligibility limits, and possible loss of principal. Any review is subject to the client's circumstances, due diligence, and applicable offering documents.
Trying to name the real problem?
Start with the messy part, not a product.
Tell us what feels confusing. We can help identify whether the issue is cash flow, taxes, portfolio risk, coordination, or scope.
What is included
A planning office, not a transaction.
The advisory relationship is designed to help you make informed decisions over time. We document the plan, monitor the portfolio, and revisit assumptions as your life and markets change.
- Written planning priorities and implementation roadmap.
- Portfolio policy and recurring allocation review.
- Fee schedule explained before engagement.
- Coordination with your CPA, attorney, and other professionals when appropriate.
- Regular review cadence tailored to complexity.
Custody and fees
Designed for clarity before commitment.
Client assets are generally held at independent third-party custodians rather than by Germana Capital. Advisory fees, services, conflicts, and scope are explained before an engagement begins and documented in the advisory agreement and Form ADV.
Fees
Transparent advisory compensation
We explain the advisory fee schedule before you become a client. The firm does not receive product commissions for selling financial products.
Custody
Independent custodians
Client accounts are generally held at outside custodians, with statements and account access coming from the custodian.
Conflicts
Disclosed and addressed
Material conflicts are disclosed and addressed through the advisory process, including fees, scope, and outside compensation arrangements if applicable.
Want to know whether this scope fits?
Start with a confidential conversation about your current situation, the decisions in front of you, and the level of advice you need.