Lively Wealth

Lively Wealth operates on a flat-fee, retainer-based model for financial planning. This structure separates planning advice from investment management fees and product commissions, meaning the firm's compensation does not rise with client assets. The firm markets this pricing as a fiduciary advantage over asset-based models common among wirehouses and private banks.

The practice specializes in pre-IPO and post-IPO equity planning, including incentive stock option exercise strategies, alternative minimum tax forecasting, and Rule 10b5-1 diversification plans. Its target client base consists of Bay Area technology employees and founders whose net worth is significantly concentrated in employer stock.

No. Lively Wealth constructs portfolios using third-party exchange-traded funds, direct indexing separators, and curated private-market access vehicles. It does not manufacture proprietary fund products, which eliminates internal product-pushing conflicts.

Lively Wealth is neither. It is structured as a Registered Investment Adviser providing wealth management and financial planning services to multiple unrelated clients, primarily individual technology professionals and entrepreneurs. It does not manage the consolidated affairs of a single ultra-high-net-worth family.

The firm accesses private markets through pooled feeder vehicles rather than direct company investments. Its private-market exposure typically targets late-stage venture capital, growth equity, and private credit funds. The planning team does not source or underwrite direct startup investments.