About Ross

RK — Hero

Ross Kirwan, CFP — Carnegie Private Wealth

Ross Kirwan, CFP · MBA · Carnegie Private Wealth

Your family deserves a CFO, not just an advisor.

You've spent your career building income, equity, and real complexity. I work as a dedicated Family CFO for high-income families in their peak earning years, keeping the full picture in view so nothing gets missed.

Schedule a fit conversation

RK — 02_Who_I_Work_With

Who I work with

High-income families in their 40s and 50s who want a financial process built around all of their life, not just their portfolio.

You're earning more than you ever have. Your tax situation has layers. There's equity compensation, a college tuition conversation coming up, and a nagging question underneath all of it: do we actually have a plan, or are we just keeping up?

My clients are professionals and executives, many with ties to Charlotte's finance, healthcare, and corporate community, who want an independent advisor handling the coordination year-round. Not a product. Not a quarterly portfolio review. Someone who thinks like a Family CFO.

RK — 03_Specializations

Where it gets complicated

I focus on the moments when peak income meets peak complexity, where the stakes are highest and the decisions are hardest to see clearly.

Tax strategy

Knowing what you'll owe before April, and understanding why, rather than being surprised by a number that doesn't add up

Equity and RSU events

Timing, withholding, and what to do with a concentrated position before the window closes on you

College funding

A clear number and a shared family framework, established before the tours, the applications, and the emotions start

Career transitions

Modeling what a pace change or income shift actually looks like on paper, before you're making the call under pressure

Wealth transfer and estate considerations

Coordinating with your attorney and CPA so the right documents exist and the right people are covered

Retirement readiness

Translating a decade of accumulation into a clear answer about when the math actually works

Tax strategy

Knowing what you'll owe before April, and understanding why, rather than being surprised by a number that doesn't add up

Equity and RSU events

Timing, withholding, and what to do with a concentrated position before the window closes on you

College funding

A clear number and a shared family framework, established before the tours, the applications, and the emotions start

Career transitions

Modeling what a pace change or income shift actually looks like on paper, before you're making the call under pressure

Wealth transfer and estate considerations

Coordinating with your attorney and CPA so the right documents exist and the right people are covered

Retirement readiness

Translating a decade of accumulation into a clear answer about when the math actually works

RK — 04_Why_Family_CFO

Why Family CFO

Financial planning for all of life, not just your portfolio.

After years of working with high-earning families, I kept running into the same situation. Smart, accomplished people making good individual decisions that didn't add up to a coordinated plan. The tax advisor didn't know what the investment account was doing. The estate documents hadn't been touched in a decade. Nobody had modeled what a 30% income change would actually mean for the next twenty years.

The Family CFO model is my answer to that. It's not a product or a pitch. It's a way of working that keeps the full picture in view, coordinates across your other advisors, and makes sure the decisions you're making this year fit the life you're building over the long run.

RK — 05_Services

How I work with you

The Family CFO relationship. Not a one-time plan.

01

Financial planning

A living plan built around where you are now, not a document that gets filed and forgotten after the first year.

02

Investment management

Portfolio strategy that accounts for your tax situation, your timeline, and the equity complexity you're already carrying.

03

Advisor coordination

Working alongside your CPA and estate attorney so the right hand knows what the left hand is doing.

04

Tax strategy

Year-round planning so your tax picture is clear by November, not a surprise you find out about in April.

05

Scenario modeling

Running real numbers on the decisions that matter: career changes, college costs, major purchases, early retirement.

06

Family planning

Bringing structure to the financial conversations your family needs to have before a deadline forces the issue.

RK — 06_CTA

Ready to bring some clarity to your growing financial life?

A first conversation is straightforward. We talk about where things stand, what's on your mind, and whether the Family CFO model is the right fit for your situation.

Schedule a fit conversation