Tax-Aware Wealth Management · NYC Metro & Nationwide
Wealth management built around what you keep.
Selling investments, borrowing against a portfolio, diversifying a large position, converting to Roth, retiring, passing wealth on: every financial move has a tax consequence. Viva Wealth Management plans each one with the after-tax result in view, and coordinates your investments, tax and estate planning through one advisor.
What brings you here?
Most people arrive with one decision in mind.
Tax-aware, start to finish
Taxes are part of every decision, not an afterthought in April.
Tax side first
Before you sell, borrow, give or convert, the after-tax effect is modeled first. What matters is what you keep.
Every account, one plan
Which assets sit in which accounts, when gains and losses are realized, and how withdrawals are sequenced are planned together.
Coordinated with your CPA
Keep the CPA and attorney you trust, and they stay in the loop. If you would like accounting help, Cross Financial offers it.
One advisor, plain answers
One point of contact for the whole picture. Every strategy has tradeoffs, and you hear them up front, including when to wait.
How the pieces fit
Your wealth plan and your tax plan, working from the same page.
Most families have an advisor and an accountant who rarely talk. Viva Wealth Management is Christopher Acquaviva’s practice at Cross Financial, a firm that offers both accounting and wealth management and is part of Current, a national network of independent accounting firms. Whether your CPA is at Cross Financial or anywhere else, the plan works from the same page.
- We start with your whole picture. Your goals, accounts, cash needs, estate documents and, with your permission, your most recent tax return are reviewed before any recommendation is made.
- We model the tax effect before acting. Major decisions, such as a sale, a conversion, a gift, or a loan, are evaluated for their after-tax effect first.
- We share the plan with your CPA. Whether your accountant is at a Current network firm or anywhere else, planning items that touch tax are shared before year-end decisions are made.
Current
A national platform of independent accounting firms, formerly Crete Professionals Alliance, providing shared technology and resources to its partner firms. current.co
Cross Financial
An accounting and wealth management firm founded in 2003 in Portland, Oregon, and the first wealth management firm to join Current, in November 2025. Investment advice is provided through Cross Financial Advisors, LLC, an SEC-registered investment adviser. crossfinancialmgmt.com
Viva Wealth Management
Christopher Acquaviva’s practice at Cross Financial, based in the NYC metro area and working with clients nationwide. Your advisor, your plan, and your point of contact.
Investment advisory services are offered through Cross Financial Advisors, LLC, an SEC-registered investment adviser. Tax preparation and accounting services, where offered, are provided by Cross Financial’s accounting practice, a separate entity, under a separate engagement, or by the accounting firm you choose. They are not provided by Viva Wealth Management or Cross Financial Advisors, LLC. Accounting professionals, including firms in the Current network, may refer clients to Cross Financial Advisors, LLC. If a referring professional is compensated for a referral, you will be told in writing at the time of the referral, along with the conflict of interest it creates. You are never required to use a network firm, and an existing CPA relationship stays yours.
The approach
After-tax first, not tax last.
A pre-tax return is a number on a statement. An after-tax return is the number you actually keep. The gap between them is a function of decisions: which account holds which asset, when gains are realized, how a concentrated position is reduced, and how a liquidity event is sequenced. Those decisions are where this practice spends its time. Not on predicting markets.
Asset location
Where a holding sits across taxable, tax-deferred, and tax-exempt accounts affects what it costs to own. The work involves reviewing placement across account types.
The benefit of any placement decision depends entirely on your individual tax situation, your holding period, and tax law that may change, including retroactively. Placement decisions can also constrain future flexibility.
Loss harvesting and direct indexing
Harvesting realized losses and holding an index as individual positions can create flexibility to offset gains elsewhere in a plan.
Harvesting generally defers tax rather than eliminating it. It lowers cost basis, which can increase tax owed on a later sale. Benefits depend on your tax situation, on having gains to offset, and on wash-sale constraints. Direct indexing carries tracking difference versus the index, higher administrative complexity, and additional cost.
Structure and sequencing
Entity choice, account titling, trust and charitable vehicles, and the order in which steps happen can change the after-tax result of the same underlying economics.
These are legal and tax questions. They require your attorney and CPA. Viva Wealth Management does not provide tax or legal advice. Many structures are irrevocable once established.
What you will not find here
No performance figures. No testimonials. No rankings.
No client quotes, no awards, no case studies with dollar signs attached.
Not because the work lacks substance, but because those formats invite you to draw conclusions from someone else's circumstances. Yours are different. What you will find is a description of how the work is done, so you can judge whether the process fits your situation before you spend an hour of your time on a call.
Who we work with
Households with more than one moving part.
Clients tend to share one trait: their financial decisions carry tax consequences large enough to plan around. They often fit more than one of these descriptions.
Business owners
Selling, succession, and the plan for proceeds.
Executives and professionals
Equity compensation, concentrated stock, and high-income tax years.
Pre-retirees and retirees
Income sequencing, Roth conversions, and reducing risk on the right schedule.
Real estate investors
Liquidity, exchanges, and how property fits the rest of the balance sheet.
Families passing on or receiving wealth
Estate coordination, dynasty planning, inheritances, and giving.
Personal service
You work with Chris directly.
A Roth conversion schedule, a trust funding plan or a pre-sale sequence takes real hours for each family, every year. So the practice keeps the number of relationships manageable, and every client works directly with Christopher Acquaviva, not a call center or a rotating team.
The practice is the best fit when several decisions are in motion at once: a concentrated position, a business sale on the horizon, retirement income to set up, or an estate that needs more than a will.
For accountants
Your client relationship stays yours.
This practice is built to work alongside accountants. The model is defined so there is nothing to guess about: the accountant remains lead on the tax relationship, this practice does not prepare returns, and the accountant is copied on what happens.
Questions
Common questions
What is tax-aware wealth management?
Tax-aware wealth management makes investment and planning decisions with their tax consequences considered from the start rather than reviewed at year-end. In practice that means deciding which accounts hold which assets, when gains and losses are realized, how a concentrated position is reduced, how Roth conversions are sized, and how a business sale or estate plan is sequenced, in coordination with your CPA and attorney. It does not include preparing tax returns or giving tax advice.
Who does Viva Wealth Management work with?
Viva Wealth Management works with a limited number of households whose financial decisions carry tax consequences large enough to plan around: business owners, executives and professionals, pre-retirees and retirees, real estate investors, and families passing on or receiving wealth. The practice is based in the NYC metro area and works with clients nationwide, in the states where Christopher Acquaviva is registered.
How is Viva Wealth Management related to Cross Financial and Current?
Viva Wealth Management is Christopher Acquaviva’s practice at Cross Financial. Investment advisory services are provided through Cross Financial Advisors, LLC, an SEC-registered investment adviser. Cross Financial is a partner firm of Current, a national platform of independent accounting firms formerly known as Crete Professionals Alliance.
Does Viva Wealth Management help with Roth conversions and estate planning?
Yes. Roth conversion planning, trust and estate strategy, dynasty and generation-skipping planning, charitable planning, and retirement income planning are part of the work. Legal documents are drafted by your attorney and tax returns are prepared by your CPA; this practice models the decisions and coordinates the plan.
Does Viva Wealth Management provide tax or legal advice?
No. Viva Wealth Management and Cross Financial Advisors, LLC do not provide tax or legal advice. Tax positions belong to your CPA and legal documents to your attorney. The practice coordinates with both so that investment decisions and their tax and legal consequences are considered together.
How are fees charged?
Fees are described in Cross Financial Advisors, LLC’s Form ADV Part 2A, which is provided before any advisory relationship begins. Fee structure is discussed openly in the first conversation.
A conversation, not a pitch.
A first conversation is usually thirty minutes. The goal is to establish whether the situation and the practice actually fit. If they do not, that is a useful outcome, and saying so is faster than the alternative.
Schedule a callBased in the NYC metro area, working with clients across the country by video and in person. Scheduling a call does not create an advisory relationship.