Family offices, independent advisors, and institutional teams have reached out wanting to understand the work behind STQ, not just the results. STQ Consulting is built for them.
Inquire About a Session →STQ Consulting is not a sales call. It is a structured working session for people who already understand the landscape and want to go deeper. The questions we get most often come from three groups.
RIAs and independent planners who want to understand how to implement systematic tax-loss harvesting, box spread financing, or derivative overlays for their own clients, and whether these strategies are right for their practice.
Single and multi-family offices with sophisticated portfolios who want a direct conversation about after-tax return optimization, asset location, alternatives placement, and portfolio construction methodology.
Investment committees, endowments, and allocators evaluating specific strategies, looking to stress-test an approach, or seeking an independent perspective on how the RIA industry is evolving.
Sessions are structured around your specific questions. Below are the areas we cover most often.
How continuous harvesting works, when long-short overlays make sense, how to build a loss bank and deploy it strategically, and what separates a real TLH program from a year-end exercise.
The mechanics of box spread loans: how they are structured, why rates are competitive with Treasury benchmarks, how margin treatment works, and when this tool is appropriate versus alternatives like pledged asset lines.
How to build a portfolio from first principles: asset allocation, asset location across account types, vehicle selection, and how tax considerations should shape structural decisions before a single investment is chosen.
Using options as precision tools: protective overlays on concentrated positions, cash-secured put writing, covered calls as monetization, and how to evaluate each structure through a tax lens before execution.
How to evaluate private equity, private credit, and real assets within a broader portfolio. Why placement across account types matters as much as selection, and how to size alternatives without sacrificing liquidity.
An unfiltered perspective on where the RIA industry is headed: consolidation dynamics, the PE-ownership question, conflicts of interest embedded in common business models, and what a genuinely independent practice looks like.