Modern financial services are fragmented.

Most families make important decisions across disconnected advisors, accounts, and products, with no one responsible for how the whole system fits together. This fragmentation is especially costly during major life transitions—when responsibility increases, decisions are compressed, and mistakes become irreversible.

Private banks address this by coordinating structure, protection, and long-term planning as a single system, adjusting architecture as families move through different stages of life. But access to this level of coordination is typically limited to a small minority of high net-worth clients.

Melqart brings this approach to families who have outgrown piecemeal advice.

Functional wealth reflects a more complete view of financial outcomes. Wealth is shaped not only by income and assets, but by how capital is structured, protected, and accessed over time—and whether that structure is appropriate for the life stage a family is entering.

Rather than selling products or managing portfolios, we assess your financial life as an integrated system to understand how it performs under transition, responsibility, and stress—revealing where continuity depends too heavily on things going right.

We benchmark the factors that consistently shape long-term financial outcomes.

Our diagnostic compares how your financial life is performing today with how other ‘mass affluent’ peers are performing. We look beyond balances and returns to examine savings, protection, taxes, liquidity, and ownership—alongside the real-world behaviors that compound over time, such as decision timing, workload, sleep, and social support.

This is not a comparison to market averages or generic rules of thumb. It is a structured benchmark built from proprietary data we collected ourselves—drawing on private-bank frameworks and applied, for the first time, to mass-affluent families who have never had access to this level of analysis.

The goal is not optimization for its own sake, but clear insight into how your financial life actually works—what supports you today, what quietly holds you back, and where thoughtful adjustments can make a real material difference to your wealth over time.

Traditional finance is full of conflicts. We removed them.

Melqart does not sell products, earn commissions, or manage assets. We charge a single, transparent, one-time fee. This separation ensures our work is independent and our conclusions are driven solely by accuracy, not incentives.

Our role is to deliver a clear, objective assessment of how your financial system is structured today—and a precise blueprint for improving it. Nothing more. Nothing hidden.

Financial structure matters most during moments of change.

Marriage, a new child, an inheritance, a business exit, divorce, or a major purchase all place real stress on a family’s financial system. These transitions often expose gaps that aren’t visible during stable periods.

Our diagnostic is designed as a structural review for these moments. It provides the same coordinated perspective families typically seek from a private bank—without the gatekeeping—so decisions made during transitions strengthen the long-term foundation rather than introduce hidden risk.

Whether you are setting up the next generation or reassessing your own structure, the goal is the same: clarity at moments when it matters most.

We begin by capturing your financial life as a single, integrated system—how assets are owned, taxed, protected, and accessed, alongside cash flow, liquidity, and key decision timing.

Your information is then benchmarked against an optimized standard drawn from private-bank frameworks and proprietary data on mass-affluent families who have successfully implemented these structures. This produces a clear comparison between your Current Wealth, Benchmark Wealth, and the Difference.

You receive a concise, written blueprint outlining which structural changes would move you toward the benchmark, which areas already work in your favor, and which issues can safely be ignored.

You may implement this with your existing CPAs and attorneys, or—if helpful—through a vetted network of professionals experienced in executing these specific structures.