The wealth planner for complex businesses and families.
Multiple entities, real estate, large portfolios, a deal in motion. Complexity is our specialty.
30 minutes. No pressure, no obligation. You'll leave knowing exactly whether we can help.
- Selling your businessAn LOI on the table, or an exit on the horizon
- Families earning $1M+High income, complex returns, real decisions
- Multiple rental propertiesDoors spread across several LLCs
- A large inheritanceSudden wealth and a lot of new questions
Sound like you? The 30-minute discovery call confirms it in a few questions.
One coordinated strategy. Built around you.
This is what a family office does: hold every part of your financial life in one place, so it is planned as one strategy instead of a handful of disconnected opinions.
Your second job.
As your income, business, and assets grow, so does the complexity you have to manage, and it never stops changing. A new entity question, a tax-law shift, a portfolio decision, an estate document. Managing it all becomes a second job, and it pulls you away from the one you actually want.
Most people get fragmented advice: a CPA here, an advisor there, none of them talking. We bring every one of these under one roof, so every decision works with the others, not against them.
This is a typical complex client.
An S-corp with a buyer circling, fifteen doors across four LLCs, a management company renting to itself, and six accounts at two custodians. Hover any piece to see the work behind it.
Start with the 90-Day Audit.
In three focused months we audit all six areas of your financial life: tax, investments, estate & legal, insurance, cash flow, and any deal in motion, line by line. Every finding is quantified in dollars, the biggest moves get implemented during the audit, and you walk away with a prioritized action list for the rest.
Five steps, thirty days apart, then planner calls every 30 days.
One engagement. One fixed fee for 90 days.
We publish the 90-Day Audit fee because "transparent" should mean transparent. It's set by your household taxable income, confirmed on your discovery call, never changes mid-engagement, and is paid in three equal installments.
Under $1M Taxable Income
The full six-area audit for households and owners under $1M of household taxable income.
- All six areas audited line by line
- Written, prioritized action list with dollar impact
- Biggest strategies implemented during the audit
- Paid in three equal installments: at signing, day 30 and day 60
$1M+ Taxable Income
The same audit, built for greater complexity: multi-entity, real-estate heavy, or a deal in motion.
- Everything in the audit, at greater depth
- Multi-entity & real-estate portfolio review
- Deal, transaction & exit analysis where in motion
- Paid in three equal installments: at signing, day 30 and day 60
Larger or multi-entity engagements are quoted individually. Ongoing wealth management and planning relationships are scoped on your discovery call. And because we're a fiduciary, we'll tell you honestly on the discovery call whether we think the audit is worth it for your situation. If it isn't, we'll say so.
What business owners say.
These are unedited Google reviews from clients of Tulip Financial Planning. No cash or non-cash compensation was given for them. They may not represent the experience of other clients, and they are not a guarantee of future results or tax savings.
"Tulip is amazing at what they do! A one-hour consulting session with them revealed a MAJOR blunder of our current CPA which led to saving us a large sum of money… I cannot express our gratitude enough. We will certainly be working with Tulip from now on."
"Working with Stephen has made a meaningful difference for my business and in my overall financial picture. His tax planning was thorough, thoughtful, and tailored to my situation, which led to significant savings. He's easy to work with, responsive, and does a great job explaining complex strategies in a clear, practical way. Highly recommend."
"As a newer business, we need guidance and Stephen with Tulip Financial Planning provided his expertise and a very client-centric experience. We used Tulip for our business tax filings as well as our personal taxes and he helped us find significant savings where our previous accountant had missed. I can't recommend Tulip Financial highly enough."
See how we think, long before you hire us.
Stephen teaches the same ideas and approach we bring to client work, out in the open, on TikTok, YouTube, Instagram, LinkedIn and Facebook. Every one of those videos is free to watch. Watch a few and you will know exactly how we think before you ever pick up the phone.
- TikTok 11K+ followers Live sessions and short breakdowns
- YouTube 1,000+ videos The full library, long-form breakdowns
- Instagram 5K+ followers Short lessons for owners and families
- LinkedIn 4K+ followers Notes for owners and their advisers
- Facebook Newest channel Replays and updates
Everything published on social media is general education, not personalized investment, tax, or legal advice. Follower counts are not client counts and are not an indication of investment skill, ability, or results. Comments, likes, and shares posted by third parties on these platforms are not reviewed by Tulip Financial Planning, are not compensated, and are not endorsements of the firm.
The family office seat, held by real people.
Tulip is a fiduciary registered investment adviser, legally bound to act in your best interest. You get one team that holds the whole picture, and the same people every time you call.
Stephen Mandracchia
A decade advising high-earning entrepreneurs, including owners with $1M+ in net profits, on tax strategy and financial planning. Based in Harvest, Alabama, with his wife and kids.
Get a second opinion on your plan.
Start with a free 30-minute discovery call. You'll leave with a clear read on what we would look at first, and whether we're a fit.
Book a 30-Minute Discovery Call