Your wealth manager, CPA, insurance agent, and estate attorney do not coordinate with each other. The exposed seams between them create tax losses, insurance mismatches, and estate failures that no single advisor is watching for. The complexity lands on you. We coordinate all four and hand you one clear plan.
Your wealth manager does not call your CPA before harvesting a tax loss. Your insurance agent does not check your estate plan before recommending a new policy. Your CPA sees the year's investment activity once, in April, after the windows for adjustment have already closed.
Each advisor is competent within their own work. The gaps between them are not their job. The gaps between them are where the money quietly leaves.
You stop being the tiebreaker between four specialists. Investment, insurance, tax, and estate decisions made together, documented together, accountable together. One firm. One recommendation. One place to point when the decision needs to be revisited.
When a decision arrives, you receive one recommendation, one memo, and the alternatives we considered. You read it, you question it, you keep it. The conversations between your advisors already happened.
Held to a documented fiduciary standard on every advisory engagement. Your interests govern every recommendation we make.
Client assets are held at Charles Schwab, never at the firm. We never take custody of client funds.
Broker-dealer: Osaic Wealth Inc. (FINRA / SIPC). Every commission and advisory fee is disclosed in writing before any account is opened or any policy is placed.
Eight new households per year. The Four-Pillar Protocol cannot be delivered at scale. We will always be smaller than firms that optimize for growth.
Our registrations and regulatory history are public.
Russ Bigham is a Registered Representative (Series 7 and Series 66). Client assets are custodied at Charles Schwab. The firm's broker-dealer is Osaic Wealth Inc. Every commission and advisory fee is disclosed before any product is placed or any account is opened. The links above take you to the public record of the firm and its representatives.
We serve four kinds of households. If one is yours, keep reading.
You have built a business that is about to convert into liquid wealth. The advisors who helped you build the company are not the same ones who should help you keep what you sell. Pre-sale tax planning, post-sale reinvestment timing, and an estate freeze before the valuation rises will determine whether the proceeds become generational wealth or get eroded by coordination gaps no single advisor was watching for.
You have RSUs, deferred compensation, concentrated employer stock, and the next ten years to convert peak earnings into thirty years of retirement income. Most advisors optimize one decision at a time. The coordination across all of them is what determines whether you keep the seventh and eighth figures of what you have built.
You have wealth your children will inherit and grandchildren will inherit after them. Trust structures, gifting strategy, insurance as a transfer tool, and the coordination with your existing estate attorney are the difference between transferring wealth and transferring problems. We do not replace your attorney. We integrate with them.
The business is your wealth engine. Buy-sell funding, key-person coverage, qualified and non-qualified retirement structures, and entity-level tax planning all touch each other. Coordinated correctly, the business funds the life you want. Coordinated poorly, the business funds the taxes you could have avoided.
A coordination failure in three acts, and the structural reason it happens to almost every HNW family.
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Russ Bigham founded Bigham Wealth Advisory after years of watching sophisticated families receive fragmented advice from four different specialists who rarely spoke to each other. He built the firm to solve that specific problem: to coordinate investment, insurance, tax, and estate decisions under one accountable roof, so that the seams between them stop costing clients money.
Russ believes a single coordinated recommendation, fully documented, is worth more to a sophisticated family than a menu of options they have to choose between. He believes a fiduciary relationship is something you can verify, not something you have to take on faith. Bigham Wealth Advisory operates on those beliefs.
Russ Bigham, Founder. Accredited Investment Fiduciary® (AIF®), Investment Advisor Representative (Series 66), Registered Representative (Series 7).
We review every introduction request individually. If we are the right fit, you will hear from us within two business days. If we are not, we will tell you and point you toward a firm that is.
Not ready to talk? Many current clients read our writing for six to twelve months before reaching out.
