DAG Family Office
Consolidated household accounting and bill pay that doesn't lose track of anything
Household accounting, expense controls, and bill-pay infrastructure across personal, entity, trust, and digital-asset accounts, reconciled monthly and audit-ready always.
Section 01
Household accounting fails quietly, until it doesn't
The numbers usually look fine. Until the IRS asks for documentation. Until a vendor sues over a missed payment. Until a successor trustee needs to know what the family actually owes and to whom.
The fix isn't more software. The fix is a system with controls, a defined close cadence, and people whose only job is making sure the household balance sheet matches reality every month.
Failure modes
Bills paid twice, or not at all
When personal accounts, trust accounts, and entity accounts all run through different systems, the same invoice gets paid by two people, or sits in an inbox until something gets shut off.
Expense categorization done in April
Reconstructing twelve months of household and entity spending the week before the tax filing is how mistakes happen and how deductions get missed.
No segregation of duties
One person writes the checks, codes the expenses, and reconciles the statements. That arrangement is a fraud and error vector, and most family offices live with it.
Section 02
What the engagement covers
01
Account architecture
Mapping every personal, entity, trust, and operating account into a coherent chart with consistent coding across the household.
02
Bill pay infrastructure
Invoices routed through a controlled inbox, approved under defined limits, paid on a scheduled cadence, and recorded against the right account.
03
Expense controls
Spending limits, approval thresholds, and category rules that flag exceptions before they become reconciliation problems.
04
Monthly close
Books closed monthly, not annually. Reconciliations against custodian and bank statements, with variances investigated in the period they occur.
05
Digital-asset accounting
On-chain activity, exchange transactions, and cost basis tracked in the same ledger as everything else, not reconstructed at year-end.
06
Reporting
Cash flow, net worth, entity P&Ls, and consolidated household statements produced on a defined cadence and reviewed with the principal.
Section 03
Controls, not just convenience
Most household payment systems prioritize speed. Ours prioritize accuracy and accountability, because the cost of a wrong wire or a missed audit trail is materially higher than the cost of a process step.
Dual approval
Payments above defined thresholds require approval from a second authorized party. The threshold is set during onboarding.
Segregation of duties
Whoever initiates a payment cannot also approve it or reconcile the account it came from. Roles are documented.
Audit trail
Every payment, every approval, every reconciliation entry is timestamped and attributable. The trail is exportable on request.
Insurance and bonding
DAG personnel handling financial operations are bonded. Coverage details are provided in writing during onboarding.
Questions
Frequently asked
Next step
The first conversation is a walkthrough of how money currently moves through the household.
Which accounts. Which approvals. Which gaps. From there we scope what a monthly close cadence would actually look like for your structure.
Disclosures
DAG (Digital Ascension Group) coordinates family office and wealth management services.
DAG Holdings Co is a holding company that does not provide investment advisory, brokerage, administrative, or insurance services to clients. DAG is not a law firm, does not provide legal or tax advice, and does not provide tax preparation services. Tax matters are handled through referrals to independent qualified tax professionals.
DAG Private Client services involve estate matters that require qualified independent counsel in the applicable jurisdiction. LLC formation, trust drafting, and estate planning services are provided in coordination with or by qualified independent legal counsel licensed in the applicable jurisdiction.
Asset protection structures, including Wyoming LLCs and trusts, do not guarantee protection against all claims, creditors, or losses. Outcomes depend on specific facts, jurisdiction, and applicable law. Insurance products and services are offered through Xure Insurance or its affiliates.
Investment advisory services are offered exclusively through DAG Wealth, an SEC-Registered Investment Adviser (CRD No. 328627). Registration with the SEC does not imply a particular level of skill or training. Form ADV and Form CRS are available upon request or at www.adviserinfo.sec.gov.
Custody arrangements with third-party independent qualified custodians reduce certain risks but do not eliminate them. Investing in digital assets involves risk, including the possible loss of principal. Digital assets are highly volatile and may not be suitable for all investors. Past performance is not indicative of future results.
Specific fee schedules, scope of engagement, conflicts of interest, and material business practices are disclosed in writing before engagement and in Form ADV Part 2A for the investment-advisory portion.
The information on this site is for general educational purposes and is not legal or tax advice.