Profile 01
Business owners
$250K+ in annual income
Seeking sophisticated strategies for wealth preservation, tax efficiency and succession planning.
Level 03 · Wealth Architecture
Your financial life, designed as one system.
A private strategy engagement for established business owners and high-earning executives whose financial lives need more depth than traditional planning offers. We integrate cash flow, taxes, insurance, investing and estate planning into one plan — built for durability, control and multigenerational impact.
The core problem
You don’t lack financial products. You lack coordination.
A tax strategy from one advisor. A structure from another. Policies, accounts and investments added one at a time. Each may make sense alone — but every financial decision creates a ripple effect, and nobody is looking at the whole.
The ripple effect
- Tax decisions affect cash flow.
- Cash flow affects investment opportunities.
- Business structure affects taxes, protection and compensation.
- Debt either limits flexibility or creates strategic leverage.
- Investments create wealth — and new risks, taxes and liquidity questions.
The questions we ask of every decision
- Does it improve or restrict cash flow?
- How does it affect taxes and efficiency?
- Does it strengthen the foundation — or add risk and complexity?
- Does it increase flexibility and options?
- Does it support the business, family, lifestyle and legacy you’re building?
Who we serve
Built for complex financial lives.
Wealth Architecture is for people who’ve built real momentum — and whose financial world has become fragmented as a result.
Profile 02
High-earning executives
$250K+ W-2 income
Needing advanced planning for equity compensation, executive benefits and long-term wealth acceleration.
Profile 03
Growth-minded leaders
Beyond conventional advice
Who recognize that conventional financial advice isn’t enough — and want a strategic partner with deep expertise.
The Wealth Factory framework
Five parts. One architecture.
Rather than isolated planning, we design a wealth architecture in which each part strengthens the others. Every part can look fine on its own — and the machine still stalls.
01
Cash Flow
the fuel line
How money moves from the business to you — directed with intent, with inefficiencies removed.
02
Taxes
the transmission
Strategic structuring through entity selection, timing and proactive planning techniques.
03
Insurance
the housing
Coverage and protective structures that safeguard wealth from litigation, creditors and unforeseen risks.
04
Investing
the output
Systems that compound efficiently and align decisions with your human life value — so money serves your life.
05
Estate Planning
the next generation
Multigenerational planning so your wealth supports long-term family goals with minimal transfer costs.
The engagement
From assessment to ongoing optimization.
We design the strategy. Your existing professionals can execute it — or we connect you with the right specialist from our vetted network.
01
Assess
A detailed evaluation of your current financial architecture — inefficiencies, vulnerabilities and opportunities.
02
Design
A customized framework aligned with your goals, risk profile and life stage — tax, protection and growth in one blueprint.
03
Implement
The tools, resources and trusted professionals to put each strategy in place, in the right order.
04
Optimize
Ongoing strategic guidance as life, markets and regulations change — so the architecture stays adaptive.
What’s included
A strategist, a network and a system.
Private guidance for decisions that are yours alone — and expert-led group sessions for the advanced topics every complex financial life runs into.
Private2× / month
Private 1:1 strategy sessions
Two sessions a month with your dedicated Wealth Strategist, focused on strategic clarity, decision support and execution planning across your full wealth architecture.
Group2× / month
Expert-led group strategy sessions
Two curated sessions a month led by trusted professionals from our vetted network — tax strategy, insurance design, cash flow, investment education and legacy.
ToolPreview
Private Client Dashboard
Centralized visibility into your strategy, progress and key frameworks.
ToolPreview
Secure Client Portal
Confidential access to materials, session resources and ongoing updates.
ToolPreview
Structured Learning Library
Purpose-built content that reinforces your strategy and informs decisions.
ToolPreview
Frameworks & Planning Tools
Proprietary worksheets, models and decision frameworks used throughout.
What clients work toward
Structured for the long term.
The goal isn’t simply to accumulate more money. It’s a coordinated structure that improves cash flow, efficiency, stability, freedom and options.
01
Tax efficiency
Advanced planning designed to reduce unnecessary tax drag.
02
Protected assets
Safeguards against litigation, creditors and unpredictable risk.
03
Accelerated growth
Investment decisions aligned with your Investor DNA, and financial inefficiencies reduced.
04
Generational legacy
Strategies to preserve and transfer wealth responsibly.
05
Strategic clarity
A holistic view of your financial picture for confident decisions.
06
Peace of mind
Knowing your wealth is structured for your long-term objectives.
By application
We’re selective — for your sake.
A strong fit if…
- You’re a business owner or executive earning $250K+ a year
- You work with several advisors, and nobody sees the whole picture
- You’re ready to implement strategic recommendations
- You want a long-term strategic partner, not a one-off plan
Not the right fit if…
- You’re looking for quick fixes or shortcuts to wealth
- You’re unwilling to implement strategic recommendations
- You earn under $250K a year — see Wealth University
- You only want passive investment management
- You want traditional financial planning rather than a holistic strategy
Who you’ll work with
The people behind the method.
Wealth Factory is led by people who build and run businesses themselves, and who’ve spent years on the question of why high income and real wealth so often fail to move together.
Norm Westervelt
CEO
Norm leads Wealth Factory, helping successful business owners turn business income into a coordinated personal wealth strategy across owner compensation, tax planning, asset protection, and long-term wealth building.
Eric Sullivan
Principal · Wealth Architect
Eric works directly with business owners on the decisions behind liquidity, cash flow, owner compensation, and long-term wealth.
One method · three levels
Where this fits in the Wealth Factory path.
Every program runs on the same framework. What changes is where you are in the journey — and how much of the work we do alongside you. Compare all programs →
Level 01
Level 02Foundry
Forge the operator. Build the habits and thinking that generate wealth.
Coming soonWealth University
Learn how wealth works — then implement it yourself. We teach. You implement.
Explore Wealth University →Level 03
Wealth Architecture
Design your whole financial life as one system, with a dedicated strategist.
Questions
What people ask before applying.
Do you manage my investments?
No. Wealth Architecture is a strategy and coordination engagement, not passive investment management. We design the architecture and help you make decisions; licensed professionals execute where needed.
Do I keep my current CPA, attorney and advisors?
Yes. Your existing professionals can implement on your behalf. Where there’s a gap, we can refer you to the right specialist from our vetted network.
What does the engagement cost?
Investment is discussed once we’ve confirmed fit on your strategy session. The engagement combines a front-loaded design phase with ongoing monthly strategy and accountability.
What happens on the first call?
Eric Sullivan, our Wealth Architect, looks at your current situation, where wealth may be leaking between the parts, and whether Wealth Architecture — or another program — is the right fit.
Is this financial, tax or legal advice?
Wealth Factory is not a financial, investment, tax or legal advisor. We provide strategy, education and coordination; always consult qualified professionals before acting.
Apply
See how the pieces could work together.
Apply for a complimentary strategy session. We’ll review your current financial architecture and show you where the connections are missing.
For business owners and executives earning $250K+