What if my situation involves multiple business entities or high transaction volume?

Complex structures are exactly what the Vault Wealth OS model is designed for. Any add-ons are identified during onboarding and quoted transparently before commitment.

Vault Wealth OS · Oklahoma City

One firm.
Everything
coordinated.

Q: Is the $2,500/mo in addition to a separate tax bill?

No. The $2,500/mo retainer covers core tax planning, bookkeeping (up to 200 transactions/month), and filing through Vault Tax™. Most clients pay one monthly fee with no separate tax invoice at year end. Add-ons are quoted upfront for edge cases only.

Q: We already have a CPA. Do we have to switch?

No, but most clients find that consolidating to Vault Tax™ is simpler and more effective, since tax strategy is coordinated directly with the investment plan.

Q: Do you work with clients outside Oklahoma City?

Vault Wealth primarily serves business owners in the Oklahoma City metro area, but also works with clients across Oklahoma and occasionally beyond when the fit is right.

Your CPA looks backward. Your financial advisor doesn't understand your business. Nobody is connecting the dots between what you earn, what you own, what you owe, and where you're going.

We do — with one integrated relationship covering wealth, tax, estate, and exit planning for Oklahoma City business owners with $1M+ in revenue.

Book a Discovery Call →See What's Included

CFP®

Certified Financial Planner

Value Builder

Certified Advisor

Scwhab

Asset Custodian

Owner-Led

Luke Milholland

Who This Is For

Built for a specific
kind of business owner.

Service-based or owner-operated business

Professional services, contracting, healthcare, consulting, trades. High margins, owner-dependent income, and real financial complexity worth managing intentionally.

$1M–$5M in annual revenue

You've built something real. You're past survival mode and into growth — but your financial infrastructure hasn't kept pace with the business.

Paying significant taxes every year

The decisions you make — or don't — on entity structure, distributions, and retirement have real dollar consequences. Proactive strategy is worth it at your level.

Thinking about what comes next

Whether that's a sale in 3 years or a legacy in 20, you want to know what your business is worth — and how to grow that number intentionally.

Oklahoma City Market

Coordinated disciplines under one roof — wealth & estate planning, tax strategy, real estate, and exit readiness. No juggling professionals who don't talk to each other.

Monthly retainer. One advisor relationship. One strategy. Everything connected around your business and your life.

OKC

A real Oklahoma City firm — not a national brand with a local rep. We know this market, these businesses, and the people building them.

The Problem We Solve

Most business owners have
several advisors and no strategy.

Your CPA files. They don't plan.

Tax prep happens after the year ends. By then, the decisions that matter have already been made — or missed. Proactive tax strategy requires someone inside your business year-round, not once a year in March.

Your advisor ignores your business.

They manage your investment accounts. But your biggest asset is the business itself. Most advisors don't know how to value it, optimize it, or help you extract wealth from it strategically over time.

Nobody is building toward your exit.

Most business owners don't know what their business is actually worth — or what drives that value. When the time comes to sell or transition, they leave money on the table because they didn't prepare years in advance.

What's Included

Four layers.
One integrated strategy.

Every piece of Vault Wealth OS is designed to work together. The tax strategy informs the investment plan. Estate planning connects to your retirement picture. The exit roadmap shapes everything. This is coordination, not just coverage.

Wealth + Estate Planning

Personal Wealth
Coordination

Investment management and financial planning built around your life — not a generic model portfolio. We manage your assets with full visibility into your business income, tax situation, and estate structure.

—

Investment management (1.2% per annum on managed assets)

—

Retirement plan strategy and optimization

—

Net worth tracking across business and personal assets

—

Estate plan coordination — core documents through our platform, complex needs referred to trusted legal partners

—

Semi-annual formal planning reviews + unlimited messaging access

Tax Strategy + Bookkeeping

Tax Strategy
+ Clean Books

Quarterly tax planning — not just filing. We work year-round to manage your tax exposure through entity structure, timing of income and distributions, retirement contributions, and more.

—

Quarterly tax planning meetings, coordinated with your wealth plan

—

S-Corp / entity structure strategy

—

Bookkeeping up to 200 transactions/month

—

Annual tax preparation and filing (personal + entity)

—

Add-ons available for higher volume and additional entities

Real Estate Strategy

Build Wealth
Through Property

Via Vault Realty™, we help business owners move from leasing to owning — their operating space, investment properties, and primary residence — with every decision coordinated across your full financial picture.

—

Commercial property strategy and acquisition guidance

—

Investment property analysis and coordination

—

Primary residence coordination

—

Real estate integrated into your overall financial plan

—

Brokerage and property management services through Vault Realty™ — transaction fees apply separately

Exit Planning

Vault Exit
Ready™

Know what your business is worth today — and what it will take to grow that number. Built on the Certified Value Builder System™, this program gives you an annual valuation, an exit readiness score, and a clear roadmap to maximize your largest asset.

—

Annual business valuation and Value Builder Score

—

Assessment of the 8 drivers that determine buyer value

—

Exit readiness roadmap with 12-month action priorities

—

Transition and succession planning

—

Built on the Value Builder System™ — one of OKC's only certified advisors

Why Vault OS

The only firm in OKC that does all of this.

Most advisors specialize in one thing. You end up with a CPA, a financial planner, a real estate agent, and maybe a business consultant — none of whom talk to each other.

We built Vault OS to eliminate that problem. One relationship. Four disciplines. Everything coordinated around your goals and your business.

⚖️

Registered Investment Advisor — Fee-Based Advisory

As a Registered Investment Advisor, we are held to a fiduciary standard for our investment advisory services. We do not earn commissions on financial products. Our advisory fee structure is fully disclosed in our Form ADV, available on request.

🏢

In-House Tax + Bookkeeping via Vault Tax™

Not outsourced. Not referred. Tax strategy and bookkeeping handled by a team sitting in the same room as your wealth advisor. The coordination is real, not a talking point.

🏠

Real Estate Brokerage + Management via Vault Realty™

Fully licensed brokerage and property management under the same roof. Your real estate decisions are made with full financial context. Transaction and management services are provided through Vault Realty™, a separate licensed entity.

📈

Certified Value Builder Advisor

Luke is one of a select group of advisors in Oklahoma City certified in the Value Builder System™ — a proven, research-backed methodology for growing and maximizing business exit value.

🤝

Oklahoma City — Built Here, For Here

We're not a national firm with a local rep. We are an OKC firm that understands this market, these businesses, and the people who are building something worth protecting.

How It Works

From conversation
to coordinated.

Discovery Call

A quick 15-minute call to see if we're a fit — no pitch, no obligation.

15 minutes

Onboarding

Deep dive into your financials, tax history, investment accounts, and goals. Value Builder baseline assessment completed. Initial strategy built. One-time $7,500 onboarding fee.

Days 1–30

First 90 Days

Quick wins first — tax structure review, immediate planning opportunities, bookkeeping setup. You see the value of coordination before the quarterly cadence is even established.

Months 1–3

Ongoing Rhythm

Quarterly tax planning. Semi-annual wealth reviews. Annual exit readiness assessment. Real estate coordination as opportunities arise. We initiate — you don't have to chase us.

Ongoing

Investment

Transparent pricing.
No surprises.

One flat monthly retainer covers wealth planning, tax strategy, bookkeeping, estate coordination, and exit planning. Every fee is disclosed upfront.

Vault Wealth OS — Monthly Retainer

All-Inclusive Advisory

Wealth, tax, estate, and exit planning — coordinated

$2,500

per month — all disciplines covered

Financial planning + investment management

1.2% per annum on assets we manage — disclosed in Form ADV

Included

Quarterly tax planning + annual filing

Included

Bookkeeping (Monthly)

Up to 200 transactions/month for one entity

Included

Estate plan coordination

Included

Vault Exit Ready™ annual program

Included

Real estate strategy consultation

Brokerage and management through Vault Realty™ — standard transaction fees apply separately

Included

Additional planning sessions

As needed between scheduled reviews — no per-session charge

Included

One-time onboarding fee

Covers Vault Wealth Blueprint, Value Builder baseline, account setup, and first tax strategy session

$7,500

Book a Free Discovery Call

Investment advisory services provided by Vault Wealth Strategies LLC, a Registered Investment Advisor. AUM fee of 1.2% per annum disclosed in Form ADV, available upon request. Tax and bookkeeping services through Vault Tax™. Real estate services through Vault Realty™, a separate licensed entity — standard transaction and management fees apply.

Optional Add-Ons

Edge Cases + Complexity

Most clients never need these — always quoted upfront if you do

Additional business entities

Each entity beyond the first

Per entity

Excess bookkeeping transactions

Volume above 200 transactions/month

Per tier

Fractional CFO services

Quoted

Real estate transaction services

Through Vault Realty™ — standard brokerage commission applies

Std. commission

Property management

Through Vault Property Management™ — standard management fee applies

Std. mgmt fee

We identify any edge cases during onboarding and quote them transparently before you commit. Complex situations are exactly what this model is built for — the coordination value only increases with complexity.

Common Questions

Things worth
understanding upfront.

Is the $2,500/mo in addition to a separate tax bill?

No. The $2,500/mo retainer covers your core tax planning, bookkeeping (up to 200 transactions/month), and filing through Vault Tax™. Most clients pay one monthly fee with no separate tax invoice at year end. Add-ons are quoted upfront for edge cases only.

How does the investment management fee work?

Investment management is charged at 1.2% per annum on the assets we actively manage for you — separate from the $2,500/mo retainer. This is fully disclosed in our Form ADV. You'll always see both fees clearly before we manage a dollar.

We already have a CPA. Do we have to switch?

You don't have to, but most clients find that consolidating to Vault Tax™ is simpler and more effective. The value of our model comes from integration — tax strategy that actually knows what the investment plan is doing, and vice versa.

What is Vault Exit Ready™ and the Value Builder System?

The Value Builder System™ is a research-based methodology used globally to help business owners understand and grow the transferable value of their business. Vault Exit Ready™ is our program built on that foundation — annual assessments, exit readiness scoring, and a prioritized roadmap tailored to you.

Do you work with clients outside Oklahoma City?

We primarily serve business owners in the Oklahoma City metro area. However, we do work with clients across Oklahoma and occasionally beyond when the fit is right. Start with a discovery call and we'll be direct about whether we can serve you well.

What if my situation involves multiple entities or high transaction volume?

Complex structures are exactly what this model is designed for — the coordination value increases with complexity. We identify any add-ons during onboarding and quote them transparently before you commit. No surprises.

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One firm.
Everything
coordinated.

Built for a specific
kind of business owner.

Most business owners have
several advisors and no strategy.