How It Works
One advisor. One plan. Everything handled.
The wealthy have always had a team handling their structure. Now you have one too. Here's exactly what working with CITO Trust looks like.
How It Works
One advisor. One plan. Everything handled.
The wealthy have always had a team handling their structure. Now you have one too. Here's exactly what working with CITO Trust looks like.
What to expect
What working with us looks like, step by step.
From your first five minutes with the scorecard to the plan we keep current every year, here's exactly what happens when you work with CITO Trust. No surprises, no guesswork.
Join the Waitlist
Answer a few quick questions and see where you stand on taxes, protection, and your plan for the next generation. It takes about five minutes.
Free Results Call
We walk through your results with you on a quick call, show you where you are exposed, and talk through whether a plan makes sense for you. No cost, no obligation.
Retain Us and Build Your Plan
Once you retain CITO Trust, we dig into your business, your assets, your insurance, and your goals. You leave with a custom CITO Control Framework plan that shows exactly what you need, and just as important, what you don't. The session fee is credited toward your first month of the Control Plan.
Legal Implementation
Our attorney partners at KKOS Lawyers prepare your trust, will, entities, and other legal documents. We coordinate everything, so you're never stuck in the middle.
Fund Your Trust and Set Up Your Accounts
Foundation StepA trust only works if your assets are in it. We give you a funding checklist, guide you through moving your home, bank and brokerage accounts, and business interests into it, and follow up until it's done. We also help you open and fund your Solo 401(k), self-directed Roth IRA, and HSA at Directed IRA, our custodian partner, and start your payroll.
Ongoing Service
Your Control Plan kicks in: quarterly strategy sessions, payroll (including the reasonable salary the IRS expects), bookkeeping, and tax preparation, all for one flat monthly fee. Most plans fail after the paperwork is signed. Yours is kept current every year, and it changes when your life does.
How we work together
One plan. Three specialists. One point of contact.
Strategy and service
- Designs your CITO Control Framework strategy
- Coordinates your attorneys and custodian, so you have one point of contact
- Guides your trust funding and account setup until it's done
- Reviews self-directed deals and prepares your 990-T and 5500-EZ filings
- Runs your payroll, bookkeeping, and tax preparation
- Reviews your insurance and meets with you quarterly
Legal work
- Prepares your trust, will, and entity documents
- Drafts amendments and advanced trusts when you need them
- Serves clients in all 50 states
- Bills you directly as a one-time fee
Account custody
- Holds your Solo 401(k), self-directed IRA, and HSA as a licensed, regulated custodian
- Processes the investments you choose
- Sends your statements and year-end tax forms
- CITO Trust never holds or controls your funds
CITO Trust may receive referral compensation from Directed IRA.
Straightforward pricing
No hourly billing. No surprise invoices.
Results call: free.
After you take the scorecard, we review your results with you on a quick call. No cost, no obligation.
Strategy session: credited toward your plan.
Once you retain us, your strategy session is a paid consultation, and the full fee is credited toward your first month of the Control Plan.
Legal work: one-time fee.
Your trust, will, and entity documents are billed directly by our attorney partners as a one-time fee. You'll know the cost before anything is started.
Ongoing service: one flat monthly fee.
The Control Plan covers your quarterly sessions, payroll, bookkeeping, and tax preparation. Your tax preparation is spread across the year, so there's never a big bill in April.
No billing for every phone call. No charge for a quick question. Your exact fee is set at your strategy session, based on your business and the returns you need.
Is this right for you?
Built for owners, not everyone.
CITO Trust is a fit if you:
- Own a business, earn 1099 income, or run a side business alongside a full-time job
- Pay more in tax than you think you should
- Own property, investments, or a business you want to protect
- Want a plan your family can actually use
- Are dealing with IRS issues and want to fix them while building something better
- Want one advisor who handles it all, year after year
CITO Trust is not a fit if you:
- Are looking for someone to tell you what to invest in
- Are already facing a lawsuit and need to move assets now
- Want a one-time document with no ongoing plan
FAQ
Questions, answered.
Yes. We serve business owners in all 50 states. Strategy sessions and quarterly meetings are held virtually, and our attorney partners serve clients nationwide.
You'll meet with their attorneys for your legal documents, and they'll bill you directly for that work. We coordinate everything else, so you always have one point of contact.
Yes. Many clients come to us because their current advisors handle pieces but no one looks at the whole picture. We'll review what you already have before recommending anything new.
Usually not. We review your existing entities and fix what's needed. Many clients just need a clean up, not a rebuild.
Most plans are in place within a few weeks, depending on how many entities and accounts are involved and how quickly your documents are signed and your trust is funded.
Your structure and documents are yours. They don't disappear. But without ongoing payroll, bookkeeping, and reviews, most structures slowly stop working the way they should.
Your plan starts with five minutes.
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.