Advisors give you a plan. I show you the math.

Financial planning isn't unique — every advisor offers one. What's different is the approach:

Institutional-grade liability modeling, the kind pension funds use to stress-test decades of obligations, applied to a single household instead of a fund.

The Problem

The plan isn't the differentiator. The approach is.

Most retirement plans and most advisors are, functionally, interchangeable — a projection built on average returns and round-number assumptions. The gap isn't in what's being planned for, it's in how rigorously it's been tested. A 4%-rule projection doesn't know what happens if the market drops 20% in year two. That's a modeling failure, not a planning failure — and it's fixable.

What Makes This Different

An Institutional Approach, Applied to One Household

The retail advisory market rarely brings pension-fund-grade liability modeling to individual clients. That's the gap 804 Capital fills — not a different kind of plan, but a different level of rigor behind it.

Fee-Only Fiduciary

No products, no commissions. Trade execution runs through a partner RIA — 804 Capital never takes custody of client funds.

Every Number Traceable Body

No rule-of-thumb recommendations. Every piece of the plan traces back to a calculation specific to your household.

Who This Is For

Built for pre-retirees with real assets to protect Body: Households aged 55–65 with $300k+ in investable assets who want a plan that's been pressure-tested, not just projected — including a dedicated framework for planning retirement abroad.

Start with the Diagnostic—Free

A fixed-scope engagement that shows you exactly where your current plan breaks — before you commit to anything further, at no cost.

Book a Diagnostic