01 — Diagnose
See the whole board.
Wealth
We map all nine areas of your money as they really are today — what you own, owe, and haven't protected.
Business
We map how the business runs today — or pressure-test the idea or deal you're weighing.
Nothing skipped.Nothing out of order.
A fee-based fiduciary and a business advisory firm. We diagnose, design, build, and maintain two things in the same deliberate order — your personal wealth and your business.
Fee-based fiduciary · Florida-based · Wealth & business engineers
Our Mission
We believe every person has been entrusted with resources, opportunities, and responsibilities for a greater purpose.
Wealth is more than money, business is more than profit, and success is more than achievement. They are tools to create value, serve others, and leave a meaningful legacy. Our mission is to help people steward those gifts with wisdom, integrity, and faithful purpose.
Wealth & Business Engineers
Two engines. One order.
Sequence & Co. is one firm with two sides that run on the same fixed sequence — Nothing skipped. Nothing out of order. Whichever you need, the discipline is the same.
Wealth · The RIA
Your personal financial life
We read all nine areas of your money and build them in the right order.
- Cash flow, debt, protection & investments
- Retirement, estate & tax planning
- Business-owner & real-estate strategy
- Free Sequence Score to start
Your company
The same order, applied to the business itself — from starting it to scaling it.
- Formation — start it
- Acquisition — buy one
- Systems — run it
- Operations — scale it
One Method, Both Sides
Diagnose. Design. Build. Maintain.
Every engagement — wealth or business — runs the same four stages, in the same order.
The Real Constraint
Most of it was assembled, not designed.
Your money — and, if you own one, your business — usually gets built one piece at a time, by different people, with no one holding the whole picture. The problem was never information. It's order.
Fee-Based Fiduciary
Florida-Based
Wealth & Business, One Order
One Fixed Order of Operations
02 — Design
Set the order of operations.
Wealth
We put your moves in priority order and write you a plan to follow.
Business
We design the entity, the systems, and the roadmap — with the hire order and milestones.
03 — Build
Put it in place, step by step.
Wealth
We implement the plan one piece at a time, in priority order, and bring in the specialists.
Business
We form it, build the website, funnel, automation, and CRM, then document the operation.
04 — Maintain
Keep it in order.
Wealth
We review your plan regularly and keep it in order as your life, the tax rules, and the markets change.
Business
Ongoing monitoring, optimization, and a build each quarter as you grow.
Why order matters: skip a step, and the rest cost you more.
Ready to see where your sequence begins?
Get Started →W Wealth Engineering · The RIA
Your personal financial life, engineered in order.
As a fee-based fiduciary we read all nine areas of your money and build them in one deliberate sequence — so nothing you build gets undone by something you skipped. Numbered in the order we work them, not alphabetically.
01
Cash Flow
What comes in, what goes out, and what's actually left over to put to work.
02
Debt
Paid down in the smartest order — weighed against everything else, not at random.
03
Protection
The right insurance, sized to what you'd actually lose — no more, no less.
04
Investments
Built around your plan and your taxes — not a pile of accounts you collected over the years.
05
Retirement
Your number, the path to it, and the order to fill and draw from your accounts.
06
Estate
Where it goes, how it gets there, and the least friction for the people who receive it.
07
Tax
Every decision looked at through its tax bill — across the years, not just this April.
08
Your Business
If you own one: the pay you take, the retirement plan it can run, protecting your partners, and how you'll one day sell it or hand it off — planned as part of your personal wealth. (Building the business itself lives on the Business side.)
09
Real Estate
Real estate as an investment — bring us a deal and we rebuild the numbers on our own assumptions (rent, exit, hold, refinance risk) for a straight go, caution, or pass — or we source and vet opportunities for you to put money into.
How We Work Together
Start with your Score. Build only what earns its place.
00
Get your Sequence Score →
Sequence Score Free
A free, plain-English read on where your money stands today — and the single most useful thing to do next. No pitch, no products.
01
Let's talk
Personal Financial Review Diagnose
A licensed, live look at every area of your money. You walk away with a written summary — your findings, ranked in the order to fix them.
02
Let's talk
Growth & Planning Strategy Design
Your complete, personalized plan — the specific moves, the amounts, and the sequence — for when you want decisions made, not just options laid out.
03
Let's talk
Implementation Build
We help you actually do it — one piece at a time, in priority order, and we bring in the professionals who handle each part.
04
Let's talk
Ongoing Partnership Maintain
Regular reviews that re-order your plan as your life changes — so nothing important quietly slips between them.
Implementation — the pieces your plan may call for
01
Money Setup
Accounts, automatic transfers, and cash reserves — set up and running.
02
Investing
A written investment policy, the right mix, funded and confirmed.
03
Retirement Plan
A written income plan: when to draw, Social Security timing, healthcare costs.
04
Debt Payoff
A payoff schedule with dates and the interest you'll save — wired into your automation.
05
Estate
Documents signed, trust funded, beneficiaries lined up — with your attorney.
06
Insurance
Coverage sized and put in place — every option shown, with our pay disclosed on each.
07
Business Owner
Owner pay, buy-sell, key-person, succession — your business, planned with your life.
08
Investing Education
Learn what you own and why, with a licensed adviser — never a sales pitch.
Real Estate — Strategy & Placement
Bring us a real-estate deal and we rebuild the sponsor's model on our own assumptions — rent growth, exit cap, hold, refinance risk — ending in a written go, caution, or pass. Or we source and vet curated opportunities for you to invest in.
Estate Planning
Wills and trusts prepared through our estate platform, with guided signing and funding — coordinated alongside your attorney, not drafted by us.
0
B Business Engineering · The & Co.
Your business, built in the same order.
For founders and owners, we engineer the company the same way we engineer your money — diagnose, design, build, maintain. Start it, buy it, run it, or scale it, each in its right sequence, and coordinated with your personal wealth plan.
★
Let's talk →
Complete Business Build Everything
The whole path, bundled: formed and launched, the systems to operate, and documented and built to scale — one engagement, one order.
01
Let's talk
Formation Start it
Pressure-test the idea, choose the right entity (LLC vs S-corp vs other), file it, get your EIN and operating agreement — then stand up your first business plan, financial model, and operations.
02
Let's talk
Acquisition Buy one
Independent analysis of a business you're buying — valuation, red flags, and records verified, with a written "is this a good buy." Plus education on funding (seller financing, SBA) and deal structure.
03
Let's talk
Systems Run it
The infrastructure to operate: a conversion-built website, a funnel, advanced automations, and a CRM — connected and live. AI integration and backend setup when you need them.
04
Let's talk
Operations Scale it
Map how the business runs today and find the gaps, write the SOPs and define the roles, then a full scale roadmap — the org to grow into, with hire order and milestones.
05
Let's talk
Business Retainer Maintain
Keep it running and growing: ongoing monitoring and optimization of your systems, on-call support, and — at the strategic level — a quarterly strategy session and a new build each quarter.
One balance sheet
Your business and your personal wealth are the same balance sheet. We engineer both in the same order, so a move on one side never quietly undermines the other.
Owner planning, too
Owner pay, buy-sell, key-person, and succession are handled on the Wealth side, planned right alongside your personal financial life.
F Our Story
Every meaningful goal begins with a decision.
Whether you're building wealth, growing a business, preparing for retirement, or creating opportunities for the next generation, the path forward isn't defined by one investment, one strategy, or one transaction. It's shaped by the sequence of decisions you make along the way.
That's why we created Sequence & Co.
We founded Sequence & Co. because we believe there is a better way to serve individuals, families, entrepreneurs, and business owners. Too often, financial advice is influenced by products, commissions, or siloed expertise, while business owners are left to navigate growth without the strategy, systems, and trusted guidance they deserve.
We believe people shouldn't have to choose between a financial advisor and a business advisor — they deserve a team who understands how both work together.
Financial Advisory
Objective, fiduciary guidance to help clients build, protect, and preserve wealth with confidence.
Business Advisory
Helping entrepreneurs build stronger businesses through strategy, operational systems, leadership, and scalable processes that create lasting value.
Together, these disciplines create a more complete approach — one that recognizes personal wealth and business success are deeply connected. By helping clients make better decisions in both, we help them build stronger businesses, stronger financial futures, and a lasting legacy.
Because lasting success isn't built in a single moment. It's built through the right sequence of decisions.
The Founders
Efrain Santiago
Co-Founder
Before founding Sequence & Co., Efrain Santiago built his career as an engineer specializing in process improvement, operational excellence, and systems standardization for multi-billion-dollar organizations. After years of helping large enterprises streamline operations and scale efficiently, he recognized that many small businesses face the same challenges — but without access to the strategic expertise needed to overcome them.
Today, Efrain combines that engineering mindset with fiduciary financial planning and business advisory to help individuals, families, and business owners build stronger financial foundations, scalable businesses, and long-term success. His approach is rooted in one principle: every lasting result begins with the right strategy, the right systems, and the right sequence of decisions.
Marlyn Santiago Foma'i
Co-Founder
Marlyn Santiago Foma'i is the Co-Founder of Sequence & Co., where she helps individuals, families, and business owners make confident financial decisions and execute strategies that build lasting wealth.
Before founding the firm, Marlyn built her career as an engineer, helping deliver complex construction projects with multi-billion-dollar budgets while personally overseeing contracts worth tens of millions of dollars. Entrusted with financial oversight, contractor performance, and strategic decision-making, she developed a disciplined approach to solving complex problems that now shapes her work with clients. After transitioning into financial services as an independent contractor, she realized that people rarely struggle because they lack information — they struggle because they lack clarity, confidence, and accountability. That insight became the foundation of Sequence & Co., where she combines analytical thinking with a fiduciary mindset to help clients execute the right financial decisions, in the right sequence, to build wealth and create a lasting legacy.
Our Mission
We believe every person has been entrusted with resources, opportunities, and responsibilities for a greater purpose.
Wealth is more than money, business is more than profit, and success is more than achievement. They are tools to create value, serve others, and leave a meaningful legacy. Our mission is to help people steward those gifts with wisdom, integrity, and faithful purpose.
The Promise
Built in sequence. Maintained for life.
- A full review of every applicable area — each one addressed, or clearly marked "not needed for you."
- A written order of operations you keep — your findings, ranked in the order to do them.
- Help putting it in place — one piece at a time, in priority order.
- A standing partnership that keeps it in order as your life, your business, the tax rules, and the markets change.
We promise process and coordination — not investment returns.
Q Questions
Straight answers.
What people ask before they start — about the money, the business, and how we work. If yours isn't here, ask us directly.
What does Sequence & Co. do?
Sequence & Co. is a fee-based financial planning and business advisory firm. We engineer your personal wealth and your business as one coordinated system — diagnosing, designing, building, and maintaining a plan in a deliberate order, rather than selling one-off products.
Who is Sequence & Co. for?
Two kinds of people: high earners — often six-figure individuals or households — who make good money but don't have a clear plan for it, and business owners who are stuck working in their business and want the structure and systems to grow it beyond themselves.
What makes Sequence & Co. different from other financial advisors?
Most advisors handle either your money or your business. Sequence & Co. engineers both together, because for an owner they are one balance sheet. We work as fiduciaries, in a fixed order — diagnose, design, build, maintain — and lead with advice rather than product commissions.
What is the Sequence Method?
A four-stage process applied to both wealth and business: Diagnose (see the whole picture), Design (set the order of operations), Build (put it in place step by step), and Maintain (re-rank as your life, taxes, and the markets change). Nothing skipped, nothing out of order.
What is the Sequence Score?
A free assessment that scores your personal finances or your business across the areas that matter most and gives you the single most useful next step — with no pitch and no products.
Does Sequence & Co. help both individuals and business owners?
Yes. The wealth engine, led by co-founder Marlyn Santiago Foma'i, focuses on personal financial planning; the business engine, led by co-founder Efrain Santiago, focuses on the company — and for owners who need both, the two are coordinated as a single plan.
I want to start a business but don't know what to start. Where do I begin?
Start with the numbers, not the idea. Before anything gets filed, we pressure-test whether the idea can actually make money: what it costs to deliver, what someone will pay for it, and how many customers it takes before it's worth your time. If it holds up, we form it properly — the right entity, EIN, and operating agreement — then stand up the first business plan, financial model, and operations. Most people do this in the opposite order and pay for it later.
Do I need an LLC or an S-corp?
It depends on what the business earns and how you intend to pay yourself, which is why the right answer changes as you grow. An LLC is usually the simpler starting point; an S-corp election tends to make sense once profit is high enough that owner payroll saves more than the added complexity costs. We choose the structure as part of forming the business rather than guessing and amending later. This is general education, not tax or legal advice — we coordinate with your CPA and attorney.
How do I know if a business idea will actually make money?
You build the model before you build the business. We rebuild the numbers on our own assumptions — pricing, cost to deliver, volume, and what's actually left over — and tell you plainly whether it works, what would have to be true for it to work, or that it doesn't. That answer is worth more than a logo and a website.
Should I start a business or buy one?
Both can work; they fail differently. Starting means you control everything and earn nothing for a while. Buying means revenue on day one and inheriting someone else's problems. If you're weighing a specific business, we do independent analysis of it — valuation, red flags, and records verified, with a written view on whether it's a good buy — plus education on funding, including seller financing and SBA, and on deal structure.
What does it take to build a business that runs without me?
Three things, in order. First the finances separated and clean, so you can see what is actually happening. Then the systems to operate it — website, funnel, automations, and a CRM — connected and live. Then the operation documented, with SOPs written and roles defined, so the work stops living in your head. After that comes the scale roadmap: the org to grow into, with hire order and milestones.
What is the Complete Business Build?
The whole path in one engagement, in one order: the business formed and launched, the systems to operate it, and the whole thing documented and built to scale. It is for someone who wants a business built end to end rather than assembled piecemeal — the same fixed sequence we use on the wealth side, applied to the company.
$ Quote
Get your quote.
Answer a few questions and we build your quote — itemised, at published prices. There is no discovery fee, no hourly meter, and no number you will hear for the first time when it is due.
- 01
Diagnose
Priced inside The Plan.
- 02
Design
Priced inside The Plan.
- 03
Build
Priced per area, quoted at your plan review.
- 04
Maintain
A monthly retainer. Optional, and you can stop it.
Build your quote
A few questions about what you actually need. At the end we ask where to send it, then your itemised quote appears right here.
Begin
Built in sequence.
Maintained for life.
Wealth, business, or both — tell us where you stand, and we'll take it from there.
No pitch. No products. A starting read.