Outsourced CIO Services for Families & Family Offices
Fiduciary investment oversight and governance for families and family offices with $25 million or more. Keep your existing relationships. Add the discipline of a dedicated chief investment officer.
$25M Investable MinimumWho This Is For
Families and family offices with $25 million or more in investable assets.
- Families who have outgrown a single advisor but do not want to hire an internal CIO
- Family boards and investment committees needing documented, defensible process
- Family offices with strong operations but no investment governance layer
What's Included
- Investment policy statement design and maintenance
- Strategic and tactical asset allocation
- Manager due diligence, selection, and ongoing monitoring
- Consolidated reporting across all custodians and asset classes
- Risk, liquidity, and concentration oversight
- Family investment committee support and documentation
Why WealthEQ
- Fee steps down each of the first three years (0.500% → 0.400%)
- $5,000 rebate toward annual all-advisor meeting costs
- Open architecture — no proprietary funds, no revenue sharing
- Full transparency on every layer of cost in the portfolio
- Institutional training, independent structure
Fiduciary Oversight & Investment Governance
Holistic Net Worth View
Public investments, alternatives, real estate, and collections — all in one place.
Investment Advisory & Management
Discretionary and non-discretionary investment services tailored to your family.
Manager Analysis & Comparison
Analyze and compare managers based on return, risk, diversification, fees, and taxes.
Family Office Reporting
Detailed reporting on every asset that you own with real-time data.
Private Market Access
Invest in private equity and credit, venture capital, and real estate.
Digital Document Vault
Secure document vault for all financial files with institutional-grade security.
What an Outsourced CIO Actually Does
Governance, not just allocation
Families at this level rarely lack investment options. What they lack is a governing framework — a written statement of what the capital is for, what risks are acceptable, who decides what, and how those decisions get reviewed. Without it, portfolios drift toward whatever was most recently pitched.
The OCIO mandate begins with that framework and enforces it. We draft the investment policy statement, define the allocation ranges, document the decision rights, and then hold the portfolio to it through market cycles that make discipline uncomfortable.
Oversight without displacement
The most common objection to an OCIO is that it means firing people. It does not. Most of our OCIO relationships preserve every existing manager, custodian, and specialist on day one.
What changes is that someone is now accountable for the whole. We evaluate each manager on return, risk, diversification contribution, fee load, and tax efficiency — then report on that evaluation in language a family investment committee can act on. Sometimes the conclusion is that a manager should stay. That is a legitimate outcome, and it is far more credible coming from a fiduciary with no incentive to churn.
Cost transparency as a deliverable
Multi-manager portfolios accumulate cost in layers: advisory fees, fund expense ratios, trading costs, platform fees, and the tax drag of poor location decisions. Most families can name the first one and none of the rest.
A standing part of the OCIO engagement is a full accounting of every layer, expressed in dollars rather than basis points. Families are routinely surprised. That surprise is usually worth more than the fee.
Fee structure
A flat fee on the account value at inception, lower at higher breakpoints, stepping down in each of the first three years — 0.500%, then 0.450%, then 0.400% at the entry breakpoint. The minimum annual starting fee is $125,000. We also rebate up to $5,000 per year toward the cost of convening your full advisory team — attorney, CPA, insurance, and trustee — in one room annually, because the coordination is worth more than the meeting costs.
Frequently Asked Questions
What is an Outsourced CIO?
An Outsourced Chief Investment Officer, or OCIO, is a fiduciary that assumes responsibility for investment governance — policy design, manager selection, asset allocation, risk oversight, and consolidated reporting — on behalf of a family or family office that does not want to build that function internally.
What is the minimum for OCIO services?
WealthEQ's Outsourced CIO service has a $25 million investable asset minimum, which corresponds to the $125,000 minimum annual starting fee at the entry breakpoint rate of 0.500%.
Do we have to move our existing advisors or custodians?
No. The OCIO engagement is designed to sit above your existing relationships. You keep your managers, custodians, and specialists; we provide fiduciary oversight, governance, and consolidated reporting across all of them.
How is the OCIO fee structured?
A flat fee calculated on the account value at the inception of the relationship. At the entry breakpoint the rate is 0.500% in year one, 0.450% in year two, and 0.400% in year three, with lower rates at higher breakpoints and a minimum annual starting fee of $125,000. WealthEQ also rebates up to $5,000 annually toward the cost of an all-advisor meeting with your attorney, CPA, and other professionals.
Who does WealthEQ provide OCIO services to?
Families and family offices only. WealthEQ does not provide outsourced chief investment officer services to foundations, endowments, pensions, or other institutional clients.
Is the OCIO service discretionary or non-discretionary?
Both are available. Families choose the level of discretion that fits their governance structure, and that decision is documented in the investment policy statement.