The specialist network behind the model
MicroTax delivers Virtual Family Office coordination through a curated network of specialist partners, not as an in-house full-service firm. This is a deliberate design choice. The network model is what makes the per-household cost an order of magnitude lower than a traditional family office while preserving the integration discipline.
Reenu Cherian, Managing Director
Every MicroTax client engagement is led by Reenu personally. The client relationship is direct, quarterly strategy meetings, year-end planning sessions, ad-hoc decisions when life events surface, and Reenu is the single point of accountability for the integrated plan.
This is the part of the model that doesn't scale by adding more advisors. The integration work, holding the full picture of a household's tax, retirement, wealth, and estate position in one mind, and ensuring every decision in any domain reflects every other, is judgment work. We do not plan to scale it by hiring associates. We plan to keep the firm small and the specialist network large.
Curated partners, retained per engagement
The specialist network is composed of senior practitioners in each of the disciplines that a complete financial architecture requires. Specialists are retained on a per-engagement basis rather than employed in-house, which is what makes the VFO model economics work at the $300K–$1M income tier rather than the $50M+ net-worth tier.
- CPAs and Enrolled Agents: For tax compliance work and complex multi-state filings. MicroTax does not prepare returns; we coordinate with your existing CPA, or with a network partner if you don't have one.
- Estate planning attorneys: For trust design, estate document drafting, beneficiary architecture, and GST exemption work. Network partners hold state-specific bar admissions in the jurisdictions where our clients reside.
- IRS §7702 specialists and insurance designers: For TFRA architecture, policy design, carrier selection, and underwriting coordination. The specialists in this category are the ones whose technical depth is hardest to verify from the outside, Reenu vets each one personally before they enter the network.
- Enrolled actuaries: For Defined Benefit plan design and Cash Balance plan certification, particularly for physician and practice-owner clients.
- Fractional CFOs: For business owners at the $1M–$10M revenue tier where strategic financial leadership is needed but a full-time CFO doesn't fit the business stage.
- Investment advisors: For asset-management coordination, not for AUM-fee-based wealth management. The network includes fiduciary advisors who work on flat-fee or scope-based engagements rather than percentage-of-assets pricing.
Why specialist names are kept confidential
The names of network specialists are not published on this site. The reason is twofold. First, the specialist relationships are personal, Reenu's relationship with each specialist is the basis for inclusion in the network, and individual specialists have a right to control where their names appear publicly. Second, publishing the network names would invite poaching by competitor firms or direct outreach by prospects who'd rather skip the integration role, both of which would undermine the model.
For prospective clients who want to verify the depth of the network before engaging, we walk through specialist profiles in detail during the proposal stage, with appropriate confidentiality protections in place.