Virtual Family Office Services
One Advisor Coordinating With Every Professional
A lifetime of financial planning, visualized and explained through our Interactive Wealth Bridge.
Schedule a Consultation
How VFO Services Work
Your Advisor as General Manager
Think of yourself as the owner of a major league sports team and your advisor as the General Manager. An effective GM creates an environment where they can be the single touchpoint for the owner on any team matter. A valuable GM identifies both strengths and weaknesses in the team's structure and pinpoints the resources that can fix those weaknesses. A GM may not coach, play, or train the team, but it is their responsibility to identify, evaluate, and hire the qualified people who put the owner's team in a position to win. Most firms expect you to communicate information to your other professionals. Our advisors do not, and we think there is tremendous value in that.
The Engagement
What McCabe's VFO Offering Looks Like
Comprehensive Coverage
When we say comprehensive, we not only mean it, we explain it. Our Interactive Wealth Bridge details the 52 specific services we provide across 12 main planning areas.
Specialized Coordination
We work with your outside professionals more closely than a typical firm, and we cover specialized areas like property and casualty insurance and cybersecurity that others leave to you.
No Longer the Middleperson
You have made a breakthrough when you no longer feel like the middleperson between your professionals, and when you stop hearing about something at a social gathering and thinking we have never talked to you about it.
What Coordination Prevents
Say you are an Illinois resident putting a life insurance policy in place, and your attorney sets up a trust to keep the proceeds out of your estate.
Without Coordination
Your broker never hears the trust exists, so the policy is never titled to it. When you pass, the proceeds land back in your estate and are exposed to Illinois estate tax.
With Your Advisor Coordinating
We read the trust, tell your broker it exists, and confirm the policy is titled correctly. The trust does what you set it up to do.
What We Do
Wealth Bridge Services: The 12 Pillars for Financial Security
Eight services delivered directly by our advisors, and four coordinated with the outside professionals on your team.
Direct Services
Investment Risk Management
Identify and mitigate portfolio risk through every market cycle.
Learn MoreInvestment Research
In-depth analysis of opportunities aligned with your long-term goals.
Learn MorePortfolio Monitoring
Continuous oversight with proactive rebalancing strategies.
Learn MoreEducation Planning
Tax-efficient strategies to fund education without disrupting your plan.
Learn MoreRetirement Planning
A sustainable income strategy for the retirement you've worked toward.
Learn MoreCharitable Planning
Maximize philanthropic impact while optimizing tax advantages.
Learn MoreGenerational Planning
Preserve and transfer wealth across generations with purpose.
Learn MoreOrganizing Your Plan
Bring clarity and structure to your complete financial picture.
Learn MoreLiaison Services
Tax Planning
Coordinate tax-smart strategies across your full plan year-round.
Learn MoreCybersecurity
Protect your financial accounts from evolving digital threats.
Learn MoreEstate Planning
Ensure your assets and legacy transfer exactly as intended.
Learn MoreInsurance Planning
Evaluate coverage gaps and optimize protection for your family.
Learn MoreWho We Serve
Three Families We Know Well
Our virtual family office is built around three groups whose planning needs run deeper than any single service can address.
Business Owners
You are getting ready to sell your business. Before the sale, you need one person bringing your accountant, attorney, and insurance professional together. After it, you need someone to walk you through income planning, transferring wealth to the next generation, and new exposures like cybersecurity and bill pay.
The Business Owner's Exit PlaybookWidows and Widowers
You just lost your spouse. Your professionals need to move together so the final tax return and the transfer of the estate meet the nine-month deadlines. Once it is settled, you need a guiding hand to update your own plan and bring your children into the conversation.
Find Your Financial Footing After LossMulti-Generational Families
Your children just entered adulthood and you know you will never outspend your wealth. They need a plan of their own so they are prepared to inherit it, and you need your accountant and attorney working together to minimize tax now while maximizing what passes on.
The 5M Family Wealth PlaybookWhy McCabe
What Makes Our Firm Stand Out
-
Our Interactive Wealth Bridge is a one-of-a-kind resource that we believe helps you get a sense of how a Virtual Family Office operates better than any other firm in the industry.
-
We have over 45 years of serving business owners, widows, and high-net-worth multi-generational families.
-
Our advisors have designations ranging from CPA to CFP to CFA, which indicates depth of knowledge base and professionalism.
-
Our advisors' promise to coordinate with your professionals, sit in on meetings with them, and review their work is a true differentiator.
-
Our clients trust us to handle $1.15B in assets (as of 6/30/2026).
Frequently Asked Questions
How much money do you need for a virtual family office?
Complexity drives the need for a VFO structure, not a minimum dollar amount. With that being said, we see that people between $5M and $25M have the complexity that fits well into the VFO structure.
Is a virtual family office worth it?
If your main pain point is a lack of coordination between your professionals, you may find that a VFO is very valuable. When you no longer have to communicate information between your accountant, attorney, and advisor, you may find that the VFO structure is more than worth the cost.
How is a VFO different from a financial advisor?
A VFO differentiates itself through excellent coordination with your outside professionals. This means sitting in on meetings with those professionals, providing them information they need throughout the year, and reviewing their work.
What planning areas does a VFO address that a typical firm does not?
We have found that items like property and casualty insurance, cybersecurity, and bill pay are areas that VFO clients need but are seldom addressed by a typical wealth management firm.
Which services are the best fit for business owners?
We find that estate planning, tax planning, insurance planning, and cybersecurity are the primary areas which business owners should focus on.
Which services are the best fit for widows?
We find that generational planning, estate planning, full plan organization, and charitable planning are the primary areas which widows should focus on.
Which services are the best fit for high-net-worth families?
We find that retirement planning, education planning, portfolio monitoring, and generational planning are the primary areas on which high-net-worth and ultra-high-net-worth families should focus.
Can you work with me if my family lives across the country?
Yes. Our virtual family office is built for exactly that. We coordinate your plan and meet with you and your family wherever you are, with the same level of service as meeting in person.
Learn More
Virtual Family Office Resources
Guides to help you understand how a virtual family office works and whether the structure fits your family.
Featured Resource
The Interactive Wealth Bridge
Over 100 educational videos and resources laying out a coordinated framework for a lifetime of financial planning.
Explore the Wealth Bridge
Virtual Family Office Articles
The Virtual Family Office Guide
What a virtual family office is, how it works, and what it coordinates on your behalf.
Read articleDo I Need a Virtual Family Office?
The complexity signals that suggest the structure is worth considering for your family.
Read articleBenefits of a Virtual Family Office
What changes for a family when one advisor coordinates every professional.
Read article