xFO is the private family office of Extraordinary Trust, built for ultra-high-net-worth families whose affairs have outgrown any single advisor. Where our trust company administers the structures that carry wealth across generations, xFO runs everything inside them — the planning, the investments, the governance, and the decisions that cross all three.
One team holds the entire picture: the trusts, the portfolios, the operating businesses, the philanthropy, and the family itself. That vantage point is what makes real coordination possible — decisions made in sequence, with full context, rather than in isolation by advisors who each see only their own corner.
Our open architecture platform, institutional-grade custodian partnerships, and freedom from proprietary products mean every recommendation is made solely in your interest.
Sophisticated wealth architecture designed to preserve your family's legacy across generations.
Expert guidance on preserving both wealth and wisdom across generations through governance frameworks and family communication.
Goals-based portfolio construction aligned with your family's specific timeframes rather than generic benchmarks.
Transform charitable giving into a unifying force for multiple generations with tax-advantaged structures.
Expert guidance for families where business represents a core source of wealth and legacy.
Proactive tax strategy integrated with your overall wealth plan.
Clarity and confidence in your financial picture through proactive liquidity management.
Complete family office infrastructure including bill payment, financial coordination, document management, and comprehensive reporting.
We believe the most meaningful relationships grow from trusted introductions. Our clients come to us through referrals from existing families we serve, trusted advisors, accountants, and attorneys who understand the value of what we offer.
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