The ultra wealthy's playbook. Built for Main Street.
Control Everything.
Own Nothing.
The wealthiest families own nothing in their own name and control everything through trusts and entities. Now you can too.
Who we serve
Built for the people who build.
If you earn it, you should keep more of it and protect what you've built. CITO Trust works with four kinds of earners.
Business Owners
You built something real. We help you structure it so you pay less in tax, shield it from risk, and pass it on the right way.
1099 Professionals
Agents, contractors, and consultants carry every tax on their own. The right structure can change that.
Employees With a Side Business
Your paycheck covers today. Your side business can fund tomorrow, with deductions and retirement options most employees never use.
Real Estate Investors
Every property adds value and adds risk. We help you hold it smarter, keep more of the income, and protect it for the next generation.
The problem
You're building wealth the hard way.
Most business owners, 1099 professionals, and employees with a side business do everything right. They work hard, grow their income, and build real assets. Then they hold it all in a way that leaves it exposed.
You're overpaying the IRS.
Nearly every dollar of profit is hit with income tax plus a 15.3% self-employment tax, with almost no shelter.
Everything you own is in your name.
One lawsuit, one bad deal, or one accident can put all of it on the table.
Your wealth stops with you.
Without the right structure, what you build gets taxed, frozen in probate, or spent down instead of growing for the next generation.
It's not that you're doing something wrong. For generations, this playbook stayed with the families who could afford the advisors who knew it. Now it's yours.
The framework
The CITO Control Framework
One trust at the center. Two sides underneath. Here's how the wealthy hold everything.
Revocable Living Trust: Everything in one place
Your trust sits at the center, connecting both sides of your plan: Operations and Assets. You keep full control while you're alive. When you pass, everything goes to your family on your terms, without the cost and delay of probate.
ExploreOperations: Your ordinary income, taxed less
This is where your ordinary income is earned. Your Operations bucket holds the businesses you actively work in, and they run through an S-Corp. You pay yourself a fair salary, and the rest of the profit passes through to your personal tax return, skipping the 15.3% self-employment tax.
ExploreAssets: Where your wealth is held
This is where your wealth grows. Investment properties and business stakes you don't actively run each sit in their own LLC, so trouble in one can't reach the rest. Your investment accounts sit here in your Assets bucket too. Your 401(k), IRA, Roth IRA, and HSA grow with tax advantages and carry their own legal protections. They pass to your family by beneficiary designation, coordinated with your trust.
ExploreRevocable Living Trust
Everything in one place. No probate.
Operations
Ordinary Income
Assets
Passive Income
You control everything. You own nothing. And what you've built keeps growing for the people who come after you.
How we work together
One advisor. One plan. One monthly fee.
We design it.
Your CITO Control Framework strategy is built around your business, your income, and your goals.
Our attorneys build it.
Every legal document is prepared by our attorney partners at KKOS Lawyers, billed separately as a one-time fee.
We keep it running.
Quarterly strategy sessions, payroll, bookkeeping, and tax preparation, all for one flat monthly fee.
Our philosophy
We don't tell you what to invest in. We show you how the wealthy invest.
You already know what you want to build. We show you how to use the same trusts, entities, and self-directed accounts the wealthy use every day, so every dollar you invest works harder, on your terms.
Your investments. Their playbook. Your rules.
Meet the founder
Meet Fabian Paul Cruz.
Founder, CITO Trust
I spent nearly twenty years in corporate America learning how large organizations are built: nothing sits in one place, every entity has a job, and every dollar is planned. Then I watched my parents go through a tax nightmare, and I realized the wealthy have a playbook the rest of us never see.
I started CITO Trust to give Main Street business owners that same playbook, so you can keep more of what you earn, protect what you've built, and pass it on the right way.
Fabian Paul Cruz
Trusted Credentials
Take control of what you've built.
Take the 5-minute Wealth Scorecard to see where you're overpaying, where you're exposed, and what to do about it.
Free results call included. No obligation.
Dealing with the IRS? Our sister company, CITO Tax Resolution, can help.