For Individuals & Families

Meet Your Personal CFO

You don't need to own a business to work with us. For W-2 high earners, retirees, and families: one CPA & CFP® coordinating your taxes, your household cash flow, your wealth plan, and your investments — as one plan, year-round.

Three Advisors. None of Them Talk.

Most successful households have a tax preparer, a financial advisor, and a bank — working in three silos. The gaps between them are where money quietly leaks every year.

Your tax preparer
Files in April, looks backward, and never sees your portfolio or your cash flow.
Your advisor
Manages investments but rarely coordinates the tax impact of what they buy and sell.
Your bank
Holds the cash, but no one is deciding what should be saved, invested, or set aside for taxes.
A Personal CFO is the one seat that sees all three — and makes them work together.

What Your Personal CFO Does

One relationship, four jobs — coordinated by a single CPA and CFP® professional who actually reads your return.

01 · Tax

Your Return, Year-Round

Your 1040 with Schedule D and one state return, plus year-round tax projections and quarterly estimate management — no April surprises.

02 · Cash

Household Cash Flow

The Eiduk Cash Allocation System™ for your household — a deliberate plan for what gets saved, invested, and reserved for taxes.

03 · Wealth

The Wealth Waterfall™

A prioritized plan for every dollar — emergency reserves, tax-advantaged accounts, debt, and long-term investing, in the right order.

04 · Invest

Tax-First Investing

Investment management at the reduced TAS-client rate, coordinated with your tax plan — including an annual Roth-conversion & withdrawal analysis.

The Same System — Built for Your Household

The frameworks that run our business clients' finances, adapted for individuals and families.

Cash Allocation System

Instead of one account where everything mixes, your income is allocated on purpose — living, saving, investing, and a tax reserve — so you always know what's truly yours to spend.

Wealth Waterfall

Every surplus dollar has a next best home. We map the order — reserves, matched retirement, HSAs, Roth, debt, taxable investing — so nothing is left on the table.

Your Personal CFO, Two Ways

A dedicated personal track — not a scaled-down business plan. Start self-serve, or bring in a strategist. Business owners get this track included with The Eiduk Pathway™.

Self-Serve · Personal CFO Lite
$197/mo
You drive — we hand you the software and file the return
  • Your 1040 + Schedule D + one state return, prepared and filed for you
  • Full wealth-software access: Cash Allocation System™ and Wealth Waterfall™ tools
  • Self-serve estimated tax calculator — run your own quarterly projections anytime
  • Investment management at the standard AUM rate — not the reduced TAS-client rate
  • Personal-finance section of the client portal, document vault, and messaging
  • One meeting a year to walk through your completed tax return
  • Everything else by email — first response within 2 business days (Jan 15–Apr 15: 3)
  • Strategy meetings — upgrade to Personal CFO when you want a strategist in the room

Rentals (Schedule E) and K-1s available as add-ons.

Start CFO Lite — $197/mo →

Monthly, cancel anytime. Secure checkout by Stripe.

Full Service · Personal CFO
$347/mo
A year-round CFO for your household
  • Everything in Lite — plus a strategist in the room
  • Personal Cash Allocation System™ and Wealth Waterfall™ planning, built with you
  • Year-round tax projections with quarterly estimate management
  • Annual Roth-conversion & tax-efficient withdrawal analysis
  • Two strategy meetings a year with your CPA, CFP® advisor — a planning session and a year-end review
  • Investment management at the reduced TAS-client AUM rate
  • Direct email between meetings — first response within 1 business day (Jan 15–Apr 15: 2). Most questions never need to wait for a meeting

Rentals (Schedule E) and K-1s available as add-ons. Investment management is billed on AUM per the signed fee schedule.

Start Personal CFO — $347/mo →

Monthly, cancel anytime. Secure checkout by Stripe.

Already an Essentials business client?
+$97/mo CFO Lite  ·  +$247/mo Personal CFO

Add the personal track to your Essentials plan — CFO Lite (self-serve wealth software) for +$97/mo, or the full Personal CFO Layer (a strategist in the room) for +$247/mo. Your 1040 is already handled in Essentials, so you only pay for the planning.

Already a client? Have us add it to your plan →

On Pathway? You already have it.
Included

The Personal CFO track comes with The Eiduk Pathway™ at no extra cost — your business and your household, handled together by one CPA & CFP®.

Why the discount as an add-on? Standalone, CFO Lite is $197/mo and Personal CFO is $347/mo — but Essentials already includes your 1040, so each layer is simply the personal track minus the return you're already paying for ($97 and $247).

How It Starts

From first conversation to a coordinated plan in three steps.

1

Discovery Call

We look at your return, your accounts, and your goals — and show you where the gaps are.

2

Your Blueprint

We build your household plan: cash allocation, the wealth waterfall, and your tax & investment strategy.

3

Ongoing CFO

Two strategy meetings a year, direct email in between, year-round tax projections, and active investment management — all in your portal.

Talk Through Your Plan →