Velira vs Compound Planning
Compound Planning is a tech-enabled RIA that positions itself as a 'digital family office' for high-net-worth founders, executives, and families. It pairs a dedicated advisor and team with an integrated dashboard, and delivers discretionary investment management, tax (including full-service filing), estate planning, and equity-compensation work under one advisory relationship — typically on an assets-based fee. For a household that wants a managed, done-for-you wealth operation, it is a serious full-service offering.
Velira offers the same professional layer on a different footing. Its higher tiers add a dedicated fiduciary CFP (Velira Wealth), a dedicated CPA for year-round personal tax planning and 1040 prep and filing (Velira Tax), and a dedicated Estate Planner (Velira Estate) — all flat-fee, with no AUM charge, ever. Underneath sits a read-only daily decision engine for people whose money is complicated: investments alongside business equity, illiquid stakes, earnouts, and private notes, telling you the move your plan calls for each day, grounded in survival math, with an auditable rule trace.
The real distinction is the fee model and who holds the keys. Compound is an assets-based family office that manages, files, and executes on your behalf, and can arrange access to private-market deals. Velira gives you the dedicated CFP, CPA, and Estate Planner at a flat fee with no AUM — but stays read-only by architecture: your advisor monitors and recommends, and you keep custody and place the trades. Which fits depends on how much you want to delegate.
| Capability | Velira | Compound Planning |
|---|---|---|
| Core model | A flat-fee daily balance-sheet engine with an optional dedicated human advisory layer on the higher tiers. | A tech-enabled RIA / digital family office: a dedicated advisor and team managing your financial life. |
| Dedicated human advisor | Yes — a dedicated fiduciary CFP on Velira Wealth and up (plus a CPA and Estate Planner on higher tiers). | Yes — a dedicated advisor and supporting team as the core of the relationship. |
| Tax planning & filing | Yes — Velira Tax adds a dedicated CPA for year-round personal tax planning and 1040 prep & filing (personal, not corporate). | Integrated tax service with tiers up to full-service preparation and filing in the dashboard. |
| Estate planning | Yes — Velira Estate adds a dedicated Estate Planner for legacy structuring, trust funding, and titling. | Estate planning delivered through the advisory team. |
| Pricing model | Flat tier pricing with no percentage-of-assets fee and no AUM charge — and no minimum to start. | An advisory relationship (typically assets-based), oriented to high-net-worth households. |
| Money management & custody | Read-only by architecture — your advisor monitors and recommends; you keep custody and place the trades. | Discretionary investment management, building and managing portfolios on the client's behalf. |
| Private-market / alternative access | Tracks and models the private and alternative holdings you own; does not source or broker new private deals. | A family-office model that can include access to private-market and alternative investments. |
| Complex & illiquid assets | First-class: business equity, private stakes, earnouts, real estate, and private notes are modeled directly. | Serves complex household balance sheets, including private and alternative holdings, through the advisor. |
| Confirmed vs. contingent money | Two-ledger discipline: a confirmed 'honest floor' kept strictly separate from probability-weighted upside. | A dedicated advisor works through the full picture and trade-offs with the client directly. |
| Auditability & cadence | A daily verdict plus a 'Why' view on every recommendation — inputs, engine version, and the rules that fired. | Ongoing advisor access, planning reviews, and a dashboard with an activity monitor. |
Who Velira is for
Velira is for people with complex, affluent balance sheets who want a daily engine that watches their real, connected accounts and tells them the move their plan calls for — with the reasoning shown — while keeping custody and control in their own hands, and who value a flat fee with no AUM charge and no minimum whether or not they add the human advisory layer.
It is especially suited to founders and operators for whom keeping confirmed money separate from contingent upside — earnouts, escrow, illiquid stakes — is central, and who want a dedicated CFP, CPA, or Estate Planner on call without handing over discretionary control of their accounts.
Where Compound Planning may fit better
If you want a managed, done-for-you family office — a dedicated advisor and team who take custody and handle discretionary investment management, tax filing, and estate work on your behalf — Compound Planning is built for that. Velira offers the same professional layer at a flat, no-AUM fee, but by design stays read-only and leaves execution to you, so a household that would rather fully delegate may prefer Compound.
Compound may also fit better if you want access to private-market and alternative investments arranged through an advisor — Velira tracks and models what you own but does not source new private deals. The deciding question is usually how much you want to hand over: Velira keeps you in control at a flat fee; Compound runs it for you on an assets-based relationship.
See Velira on your own numbers
Velira is read-only by architecture and never executes a trade — it tells you the move your plan calls for, and you place it. It is decision-support, not financial advice.