Four disciplines. One team. One point of contact.
TOC-23 is a multifamily office built around estate planning, tax strategy, capital management, concierge & special projects. You are the coach, we are the quarterback, and it is our job to run whatever play that you call — flawlessly.
TOC-23 already advises you on the portfolio, the estate plan, the tax strategy, and the family governance framework. These four services are not a separate product line — they are how that strategy gets delivered into the daily operational reality of your life, inside a single budget and a single team.
The portfolio, the estate plan, the tax strategy, the family governance — we already build those with you. Property, risk, travel, and aviation are how we deliver them into the daily reality of your life. One strategy. One budget. One balance sheet. One institutional memory. From the capital call to the storm shutter.
Single Team
Each service stands alone, and each reinforces the others. Select a card to jump directly to that module.
Concierge Property Management
The general contractor for your property after the project is done. Preventative and responsive maintenance across the full trade stack.
Risk Assessment & Management
Four-pillar risk framework covering property, liability, personal security, cyber, and commercial exposures — coordinated with your broker of record.
Luxury Travel Coordination
Bespoke itineraries, on-the-ground logistics, and a home-while-away protocol — because the residence doesn’t stop running while you’re away.
Private Aviation Analysis
Independent modeling of charter, jet card, fractional, and whole ownership — run against your actual travel patterns, not a brochure.
Concierge Property Management
Two formal preventative days a year, responsive care in between, and a documented institutional memory for every residence we manage. This module details the full program — seasonal trades, field checklist, workflow, and engagement pricing.
The Preventative Maintenance Calendar
Interactive Field Checklist
How a Request Flows — Sample Engagement
Real use case: a client requests sourcing and installation of a new A/V system.
Illustrative Engagement Cost — A/V Installation
The Client
Multi-generational family with a primary residence in the Boston suburbs and a waterfront second home on the Cape. Coming off an eighteen-month whole-house renovation managed by three different general contractors.
The Problem
Seventy-two open items from the final punch list. Four unreturned contractor calls. A sticky valve under the primary bath. A humming AV rack nobody could silence. And the primary homeowner was tired of project-managing their own house.
The TOC-23 Engagement
Full intake of both properties in the first two weeks. Every appliance, every system, every vendor catalogued into the digital repository. The seventy-two items triaged into closeable, follow-up, and warranty claims. Each original trade brought back on site or replaced with a vetted alternative. Semi-annual cadence installed and running within 45 days.
The Client
Family of five in a 1990s-vintage coastal home. Finished basement with home office, wine storage, and a newly-built media room. Standard HO-3 through a large personal lines carrier; $10M excess liability above.
The Finding
Our spring preventative visit flagged an aging expansion tank on the primary water heater, installed in the utility room directly above the finished basement ceiling. Minor corrosion at the upper fitting. The homeowner had not noticed it, and no prior trade had called it out in six years of annual service.
The Mitigation
Scheduled replacement of the expansion tank and a full inspection of the water heater within 72 hours. Added a smart water shutoff at the main, tied to the existing alarm panel. Documented the upgrade to the broker, who passed it to the carrier at renewal as a proactive loss-prevention credit.
Comprehensive Risk & Protection
Risk for an accomplished family is rarely one thing. It is a portfolio of exposures across four pillars — tangible assets, liabilities, personal well-being, and commercial interests — that need to be screened, measured, and either insured, mitigated, or consciously retained. We build and maintain that portfolio in coordination with your broker of record, your security advisor, and the rest of your TOC-23 team.
The Four Pillars of Protection
Every risk we screen maps to one of these four pillars. Hover a pillar to see the specific exposures and coverages it contains.
Tangible Assets
What you own, and what wears out, breaks, burns, floods, or gets stolen.
- Luxury home, condo, renovation
- Catastrophe: fire, flood, wind, earthquake, wildfire
- Luxury & collector vehicles
- Fine art, jewelry, wine, collectibles
- Watercraft & superyacht
- Private aviation hulls
- Equine, farm & ranch
Liabilities
What someone else can take from you when something goes wrong.
- Personal umbrella & excess liability
- Uninsured / underinsured motorist
- Non-profit Directors & Officers
- Trustees liability
- Life, disability, long-term care
- Host liquor & special event liability
- Access to high personal limits
Personal Well-Being
The people, the privacy, and the reputation that no policy alone can protect.
- Personal & family security protection
- Individual vulnerability assessment
- Cyber liability & network security
- Fraud & identity theft
- Kidnap, ransom & travel security
- Reputational injury & image protection
- Health, disability, executive medical
Commercial Protection
The businesses, investment properties, and household staff that sit around the family.
- Domestic & private staff coverage
- Workers’ compensation
- Employment Practices Liability (EPL)
- Directors & Officers (Side A)
- Investment property GL & builder’s risk
- Commercial umbrella
- Crime & cyber liability
Interactive Risk Register
Eighteen exposures plotted by likelihood and impact, spanning all four pillars. Click any numbered dot to see the full entry, the pillar it belongs to, and the TOC-23 mitigation protocol.
Household Risk Matrix
Select a risk from the matrix
Each dot represents a standard exposure we screen for in the initial comprehensive risk review. Click any dot to see the full entry, the pillar it belongs to, and the TOC-23 mitigation protocol.
Where Families Excel — And Where They Lag
Industry benchmarking of coverage adoption among accomplished families, drawn from published family office risk research. The gaps are the story.
of family members carry specialized art & collections coverage
of properties in hurricane-prone areas carry wind coverage
of family members carry excess liability; 93% also carry excess UM/UIM
of family offices carry comprehensive cyber coverage; very few individual households elect it at all
carry individual D&O coverage — yet many family members sit on charitable boards
of families with domestic workers’ comp decline EPL coverage for the same household staff
Risk Profile
Multi-generational family with five residences across three states. $18M fine art collection — last appraised eight years ago. A fourteen-vehicle collection valued at $6M. Six-person domestic staff (workers’ comp in place, no EPL). Three adult children sitting on non-profit boards. Zero cyber, kidnap-and-ransom, or reputational coverage. Insurance placed across four carriers and eleven policies.
The TOC-23 Engagement
Comprehensive audit of the existing program alongside the broker of record. New appraisals commissioned for art and collectibles — the schedule was running roughly 40% underinsured. Documented on-site risk walks at each of the five residences. Cyber, Non-Profit D&O, EPL, K&R, and reputational injury identified as the highest-priority unfilled gaps. A consolidation strategy proposed, with the broker placing the new program.
The Outcome
Eleven policies consolidated to four across a single primary specialty carrier and one excess market. Schedule updated to current replacement values. Five previously uninsured exposures added. Net premium flat versus the prior year despite meaningfully broader coverage. Annual “open items” call established with the broker and client. The family office now receives a single quarterly risk report.
Luxury Travel Coordination
We plan the trip, we mind the house while you’re on it, and we answer the phone when something goes sideways in a time zone six hours ahead. The two are not separable services in our model — travel coordination is the reason so many of our clients started with property management in the first place.
Before You Go
- Itinerary design — destinations, lodging, private transport, guides, restaurants
- Passport, visa, vaccine & pet-travel documentation
- Private flight or commercial coordination
- In-residence staff schedule & pet care
- Home-mode activation protocol
While You’re Away
- Daily home checks — alarm, HVAC, water, landscape
- Mail & package hold or forwarding
- Irrigation, pool & generator monitoring
- Emergency response if something fails
- On-trip concierge — same team, one text thread
When You Return
- Pre-arrival walkthrough & climate reset
- Fresh groceries & household resupply
- Vehicles washed, fueled, and readied
- Written trip debrief & expense reconciliation
- Digital archive of receipts, visas, and itinerary for future reference
Sample Itinerary · Tuscany with the Family
The Client
Family of five planning a four-week Italy trip across Rome, Val d’Orcia, Lake Como, and Venice. One senior Labrador the family refused to leave behind for a month. Primary residence on the Cape, active landscape and irrigation, plus a pending delivery mid-trip.
The Complication
Twelve days in, Italian ground transport went on a three-day regional strike. The Lake Como villa’s wine cellar humidity sensor spiked. At the same time, a nor’easter was forecast to hit the Cape — with the family on a different continent.
The TOC-23 Response
Rerouted ground transport through a vetted local operator within four hours; Como villa humidity addressed by the villa’s on-site staff via our single text thread; Cape house storm-prepped, generator verified, sump pumps tested, and a TOC-23 field tech on site before landfall. Package delivery held and logged. Family never saw a stressful message on the trip.
Private Aviation Analysis
Private aviation is one of the most efficient ways to destroy capital if structured wrong. We are not a broker. We do not take carrier commissions. We run the numbers — independently — before you sign anything, and we re-underwrite the decision every year because your travel patterns change.
Interactive Cost Model
The Client
Founder of a privately-held manufacturing business, flying approximately 45 hours per year. Held a 1/8 fractional share in a super-midsize jet for the prior six years. Planned to renew at the end of the contract term.
The Analysis
Travel-pattern audit: 82% domestic, 18% Caribbean, heavily seasonal (Q1 and Q3 dominant). Average leg distance under 900nm. Share all-in cost, including management fees, fuel, and occupied hourly, pencilled to ~$14,500 per occupied hour. A jet card in the same cabin class, matched to the actual pattern, came in closer to $11,200.
The Recommendation
Do not renew the fractional share. Move to a 50-hour jet card with a super-midsize cabin and a guaranteed recovery aircraft. Re-underwrite annually — if hours flown cross ~90 per year, the analysis flips back toward fractional or a managed aircraft. We review the decision every twelve months.
The four operational services on the left feed the same dashboard that drives the core advisory work on the right. It is all TOC-23. There is no handoff, because there is no seam.
Operational Services
Dashboard & Budget
Core Advisory
No retainer games. No hidden trade rebates. No carrier commissions on the aviation side. Every invoice is accompanied by the underlying vendor receipts.
Vendor services, materials, equipment, permits, deposits, subcontractor and consultant fees are all invoiced at actual cost plus a 20% management margin. Every underlying receipt is furnished with each monthly invoice. Billed 1×/month in arrears.
Communication, direct and indirect supervision, facilitation, coordination, labor, risk review, travel coordination, and aviation analysis. Hours flex with scope, complexity, and client involvement. No success fees, no kickbacks, no carrier commissions.