For business owners with a family to protect
Your business runs on systems. Your family's wealth still runs on you.
Family Polaris OS is the family office operating system for business owners. 12 guided steps. 90 days. At the end, your family has one written plan your spouse, your kids and your advisors can all run from, without you in the room.
- 12 steps in 90 days
- All five pillars, one plan
- Your advisors finally on the same page
Private to your family. 30-day money-back guarantee.
Sound familiar?
You built a company that runs without you. Your family doesn't.
Check the ones that are true for you.
The money rarely disappears in one bad decision.
It leaks. A little tax here. A fee there. A policy owned by the wrong person. A trust nobody funded. A family loan nobody wrote down.
Then something happens. A death. A disability. A lawsuit. A divorce. A buyer with a letter of intent. And the family finds out what was never written down.
Most families never planned to lose it. They just never built the system to keep it.
A widely cited study by The Williams Group found that 70% of wealthy families lose their wealth by the second generation and 90% by the third. The top two reasons: broken communication and unprepared heirs.
Vanderbilt
Cornelius Vanderbilt was the richest man in America when he died in 1877. Within a few generations, the fortune was largely gone.
Rockefeller
John D. Rockefeller built a system around his family's wealth, including one of the first family offices. Generations later, the family is still wealthy and still together.
Same era. Same kind of fortune. One family had a system.
What changes in 90 days
Where your family is today. Where it is on day 90.
Values
Today
Everyone has a different idea of what the money is for.
Day 90
Your Family Polaris: values, mission and a 100-year vision, written and approved by the family.
Structure
Today
Entities, trusts and policies spread across five filing cabinets.
Day 90
Your Structure Map, Policy Ownership Map and Tax Map, each on one page.
Advisors
Today
Four smart advisors. Zero coordination.
Day 90
One agenda, one advisor packet and one action list with owners and dates.
The worst day
Today
No plan if you can't show up tomorrow.
Day 90
A Crisis Scenario Playbook that names who acts, their backup and their written authority.
Governance
Today
Big decisions happen at the kitchen table, if at all.
Day 90
A Family Constitution, governance rules and a meeting calendar for the year.
Capital
Today
Cash trapped in the business. Family loans on a handshake.
Day 90
A Family Bank Charter: who can borrow, for what and on what terms, always at or above the IRS rate.
Investing
Today
Deals come from whoever called last.
Day 90
Your Investor DNA, a written investment philosophy and a Strike Zone that says yes or no in one sentence.
Giving
Today
Checks written when someone asks.
Day 90
A family giving statement every generation can follow.
The family
Today
The money talk has never happened.
Day 90
Your first State of the Family Union, run, recorded and ratified.
Everything
Today
Scattered across inboxes, drawers and people's heads.
Day 90
The One Document: one branded binder your family can find, read and sign.
Family Polaris OS drafts the documents from your answers. Your family reviews and approves them. Your own CPA and attorney do the legal and tax work.
The 90-day plan
12 steps. 13 weeks. One family office.
One step a week. Most steps take one to two hours of prep. Every step ends with real documents, not homework.
Built on the Five-Pillar Family Wealth Operating System from M.C. Laubscher's book, The Family Office for Business Owners. Read the book free
See it
Week 1
Kickoff and Discovery
Your Family Snapshot, Advisor Map, baseline numbers and dated 90-day plan.
Frame it
Week 2
Pillar I · Legacy Assets
Your values, Statement of Purpose, Family Constitution v1 and crest brief.
Week 3
Pillar II · Insurance, Legal & Tax
What owns what, who owns each policy and where your tax goes.
Week 4
Pillar I approved
Your Family Polaris, signed off. Crest and motto chosen.
Build it
Week 5
Pillar III · Governance & Risk
Decision rules, a crisis playbook and an Advisor Scorecard.
Week 6
Your advisors join
One meeting, one packet, one target structure, one action list.
Week 7
Pillar IV · The Family Bank
Your Family Bank Charter, capture rate and runway target.
Week 8
Pillar III approved
Governance and crisis plan approved. Family meeting calendar set.
Week 9
Pillar V · Asset Management
Your Investor DNA, investment philosophy and Strike Zone.
Week 10
Family Bank approved · Philanthropy built
Charter approved, funding calendar and giving plan.
Week 11
Pillar V and Philanthropy approved
Your investment beliefs and giving statement, signed.
Live it
Week 12
The One Document
Everything approved, assembled into one binder.
Week 13
Your first State of the Family Union
The whole family at the table. The One Document ratified.
You answer. It drafts. Your family decides.
- 1
Answer guided questions.
Each spouse answers on their own first, so both voices are heard.
- 2
Get a real draft.
Family Polaris OS turns your answers into polished documents. No blank pages.
- 3
Review and approve.
Comment, revise and approve together. Every version is saved in your Document Vault.
- 4
Bring in your advisors.
Send your CPA and attorney one clean packet. They do the legal and tax work from one plan.
Your family dashboard
Five numbers every family office watches.
Runway
Months your family could cover every fixed cost with reachable cash.
Capture rate
The share of income that moves automatically into family capital.
Trapped Wealth Ratio
Wealth outside the business compared to the value of the business.
Family Bank capital available
The capital your family controls and can put to work.
Next meeting date
Because a family that doesn't meet doesn't stay together.
You see all five on your dashboard from week one, with a target and an owner for each.
Day 91 is when the system starts working for you.
When the 90 days are done, Family Polaris OS switches to Year-Round mode and keeps your family on rhythm.
Every month
A 30-minute check-in. Your five numbers, open advisor actions and one decision.
Every quarter
A one-hour review. Update the numbers, check beneficiaries and the Family Bank, follow up with advisors.
Every year
Your State of the Family Union, a refresh of every document and the next version of The One Document.
Built for owners who built something worth keeping.
This is for you if
- You own a business and have a family you want to protect.
- You want your family to run with the same clarity as your company.
- Your spouse is in, or you want them to be.
- You can give it one to two hours a week for 13 weeks.
- You want your advisors working from one plan.
This is not for you if
- You want stock picks or someone to sell you a product. Family Polaris OS never recommends investments, insurance products or carriers.
- You want someone else to do it all for you. That is the Family Polaris Navigator (see below).
- You aren't ready to involve your family.
A family office without the family office budget.
A dedicated single-family office often costs $1 million or more a year to run. Family Polaris OS gives your family the same five-pillar system, the same documents and the same yearly rhythm for less than $7 a day.
Annual memberships
Choose how you want to build it.
Family Polaris OS
$2,500/year
Do it yourself, at your pace.
- The full 12-step, 90-day plan
- All five pillars plus philanthropy
- Every document drafted from your answers, with PDF export
- The One Document binder
- Document Vault for your family's files
- Five-number family dashboard
- Advisor packet for your CPA and attorney
- Year-Round mode: monthly, quarterly and yearly rhythm
Family Polaris OS Guided
$5,000/year
Do it yourself, with a Family Office Director in your corner.
- Everything in Family Polaris OS, plus:
- Four quarterly one-hour reviews with the Producers Wealth Family Office Director
- A second set of eyes on your plan every quarter
- A private consultation on your Family Bank strategy
- First call when you want to move up to the Navigator
Billed yearly. Renews each year. Cancel anytime before renewal.
Three ways to build it. Same system. Different levels of help.
Family Polaris OS
- Who does the work
- You, at your pace
- Sessions
- Software only
- Documents
- Drafted from your answers
- Your CPA and attorney
- You send the packet
- After day 90
- Year-Round mode
- Investment
- $2,500 / year
OS Guided
- Who does the work
- You, with quarterly reviews
- Sessions
- 4 one-hour reviews a year
- Documents
- Drafted from your answers
- Your CPA and attorney
- You send the packet
- After day 90
- Quarterly reviews
- Investment
- $5,000 / year
The Navigator
- Who does the work
- We do it with you
- Sessions
- Weekly one-on-one sessions for 13 weeks
- Documents
- Drafted and refined by us
- Your CPA and attorney
- We run the advisor meeting
- After day 90
- Nine private monthly check-ins
- Investment
- By application
All three cover all five pillars plus philanthropy, The One Document and the five-number dashboard.
Who does what
Family Polaris OS
Asks the questions, drafts every document, keeps your calendar.
Your family
Answers honestly, reviews and approves, makes every decision.
Your CPA and attorney
Stay in place, do the legal and tax work from one plan, bill you directly.
Family Polaris OS never recommends investments, insurance products or carriers.
Want it done for you?
The Family Polaris Navigator.
Same 12 steps. Same 90 days. But you don't do the work alone. Producers Wealth becomes your Family Office Director, one on one. We run every session, draft every document and quarterback your CPA and attorney. You make the decisions.
Apply for the Family Polaris NavigatorA short application. If it looks like a fit, we'll book a call.
30 days
The Family Table Guarantee
Use Family Polaris OS for 30 days. If it doesn't start the best conversation about money and family you've had in years, email us and we'll refund every penny.
Questions
Is this financial, legal or tax advice?
No. Family Polaris OS is planning and education software. It drafts documents and questions for you to take to your own licensed CPA, attorney and advisors. It never recommends an investment, an insurance product or a carrier.
Am I big enough for a family office?
If you own a business and you have a family, you already have a family office. The only question is whether anyone is running it.
Do I have to replace my CPA or attorney?
No. Keep them. Family Polaris OS gives them one plan to work from and one action list, so they stop working in silos.
How much time does it take?
One step a week for 13 weeks. Most steps take one to two hours of prep. You can go faster or slower.
What if my spouse isn't sure?
Start with Step 2, the values work. Each of you answers on your own first. Most spouses come around once they see their own words on the page.
When should I do this if I might sell the business?
Before you sign a letter of intent. Many planning options close once a sale is underway. Step 3 includes a Pre-Sale Readiness Checklist for exactly this.
What do my kids do?
They help shape the family values, they read the Family Polaris out loud at your first State of the Family Union and they see what the money is for. You decide how much detail each child sees.
What's the difference between OS, Guided and the Navigator?
OS: you build it yourself. Guided: you build it yourself with four quarterly reviews from our Family Office Director. Navigator: we build it with you, one on one, as your Family Office Director. See "Three ways to build it" right after the prices for a side-by-side comparison.
Is my information private?
Yes. Your family's profile and Document Vault are private to your account. Never type Social Security, account or policy numbers into any form.
Why is it a yearly membership?
Because your family changes. Kids grow up. Capital grows. Advisors change. Year-Round mode keeps the plan current, and every year you ratify the next version of The One Document.
Can I cancel?
Yes. Cancel anytime before your renewal date, plus the 30-day money-back guarantee.
90 days from now, your family will have a system. Or it will still be waiting for one.
Rockefeller built one. Start yours.