Spark + Stone — Advisory

Choose your advisory
engagement.

Select a retainer tier that fits your portfolio, then add any strategy projects. We'll confirm scope, timeline, and pricing before work begins.

All engagements begin with a strategy session · Flat-rate fees, no surprises
Ongoing Strategy
Advisory Retainers

Annual engagements for clients who want a consistent tax-planning partner. Every retainer ships with written deliverables — not just phone calls.

Select One Retainer
For property owners & operators
Real Estate Advisory
Built for clients holding two to ten rentals or running an active acquisition strategy in California.
$5,400/ year
  • Quarterly strategy session with written PDF summary
  • Annual portfolio position memo — depreciation runway, basis, suspended losses
  • October tax position letter with year-end action items
  • One proactive planning trigger per quarter
  • FTB 3840 monitoring for prior §1031 deferrals
  • Priority turnaround on questions
  • Return preparation included
For pre-retirees & HNW investors
Wealth Advisory
For clients whose planning centers on investment income, IRMAA exposure, and retirement sequencing.
$4,800/ year
  • Quarterly strategy session with written PDF summary
  • Annual liquid portfolio tax efficiency review
  • IRMAA lookback plus two-year forward projection
  • Estimated payment schedule with context
  • Coordination memo for your CFP or RIA
  • Year-end tax position letter
Optional Add-Ons · Fixed Fee
Strategy Projects

Defined-scope engagements that pair with your retainer. Retainer clients receive 15% off — applied at proposal stage.

Real Estate Strategy
For new property buyers
Cost Segregation Coordination
$2,800
Engineer engagement, return integration, and a written summary of accelerated deductions captured.
For property sellers
§1031 Exchange Planning
$2,200
Identification window support, replacement analysis, and basis carryforward map. FTB 3840 setup included.
For multi-property owners
Portfolio Tax Position Report
$2,400
Property-by-property snapshot: depreciation runway, basis, suspended losses, and two-year outlook.
For investors with large capital gains
QOZ Qualification & Deployment
$2,800
Eligibility review, suitability analysis, and deal coordination for QOZ 2.0 investments.
For active buyers
Acquisition Tax Screen
$1,200
Pre-close review of a target property: depreciation profile, entity placement, and projected tax position through year five.
For owners considering restructure
Entity Structure Review
$1,800
LLC, S-corp, or partnership analysis with a written recommendation and reasoning.
Wealth & Retirement
For pre-retirees aged 58–68
IRMAA Income Sequencing
$1,900
Multi-year Roth conversion, capital gains, and bracket management plan to minimize Medicare surcharges.
For investors with taxable accounts
Liquid Portfolio Tax Model
$2,200
Current mix modeled against three to five alternatives — after-tax return, fee drag, and tax-loss harvesting potential.
For clients with outside advisors
Advisor Coordination Memo
$1,100
A clean tax-side picture you can hand to your CFP, Schwab, or Fidelity team.
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Estimated Total
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Request received. We'll be in touch within one business day to confirm scope and schedule your strategy session.
No payment collected here. We'll confirm scope and pricing before work begins.
Advisory retainers are annual engagements billed quarterly. Strategy projects are billed 50% at engagement and 50% on delivery. Retainer clients receive a 15% discount on all project work — applied at the proposal stage, not here. Pricing calibrated for California metros; out-of-state portfolios may vary. Nothing on this page constitutes a binding agreement — all engagements begin with a strategy session and a written scope of work. Learn more about advisory services →