Wealth Management Built for Complex Financial Lives, and Real Life
Whether you're running a business, managing equity compensation, or planning for what's next, your financial life doesn't fit neatly into a template, and it shouldn't have to. We bring clarity to every part of the picture, with a fiduciary standard that puts your goals first, always.
Client Profile: Richard & Diane
Richard and Diane built substantial net worth through forty years of steady corporate careers, disciplined saving, and smart real estate choices. Yet upon entering retirement, their primary concern had nothing to do with portfolio returns. They wanted to answer a far more important question: how do we ensure this wealth lasts beyond us while supporting our family fairly?
With three adult children in vastly different financial situations, a successful attorney, a teacher raising a family on a modest income, and a 28-year-old still finding his footing, they needed an intentional legacy plan that was fair without forcing an identical, rigid split.
We stepped in to help Richard and Diane design an integrated estate and legacy strategy:
- Customized Trust & Estate Alignment: Restructured their trust framework to account for each child’s unique life circumstances while protecting family harmony.
- Gifting & Education Planning: Implemented a strategic annual gifting program to leverage current federal exemptions before sunset provisions take effect, and funded 529 college savings plans for all five grandchildren.
- Philanthropic & Legacy Structuring: Established a Donor-Advised Fund (DAF) for annual charitable contributions, creating a generational bridge for their children to eventually take over grantmaking decisions.
The Approach
We executed a multi-generational estate blueprint combining customized trusts, lifetime gifting, and structured philanthropy. To ensure complete alignment, we facilitated an open family meeting where Richard and Diane shared their vision and intentions directly with their children. Today, the entire family operates with absolute clarity and confidence around the family legacy.
Client Profile: Mark & Sarah
Accumulating $1.2 million in Advanced Micro Devices (AMD) stock felt like an extraordinary financial win for Mark and Sarah. Yet as the position grew to represent over 25% of their net worth, the anxiety of holding a deeply concentrated equity position began to build. Between an embedded gain of over $1 million and a single-year federal tax bill estimated at $242,760 upon liquidation, Mark felt trapped between two risky options: sell and pay a massive tax check, or hold and let one semiconductor ticker set their retirement date.
Our team stepped in to evaluate their complete balance sheet, moving beyond all-or-nothing choices to construct an actionable equity blueprint:
- Staged Tax Realization & Vesting Alignment: Designed a multi-year realization plan to spread capital gains across multiple tax years while selling newly vesting RSUs first to minimize new capital gains taxes.
- Downside Risk & Concentration Management: Quantified their portfolio's vulnerability to market drawdowns, mapping out structured hedging and donor-advised fund gifting strategies to reduce position density.
- Systematic Diversification Schedule: Built a sequenced liquidation schedule tied to Mark’s ongoing vesting dates, coordinating tax-loss harvesting to offset realized gains while honoring company pre-clearance rules.
The Approach
We implemented a staged realization and risk-mitigation framework paired with ongoing quarterly equity reviews aligned around Mark’s trading windows. Today, Mark and Sarah have total clarity, knowing their AMD wealth is systematically protected and working toward their long-term retirement timeline without incurring unnecessary tax drag.
Client Profile: Marco & Elena
Marco built his staffing company from a spare bedroom into a thriving business with 45 employees. Yet after twelve years of reinvesting every dollar back into operations, he and Elena had almost nothing saved in their own names. Elena frequently asked a critical question: what happens to our family if something happens to the company?
We stepped in to help Marco and Elena separate their business from their personal financial life, building a resilient plan that protects both:
- Personal Wealth & Tax Strategy: Restructured Marco’s owner compensation for maximum tax efficiency, established a SEP IRA, and initiated systematic transfers into a diversified personal portfolio.
- Risk Mitigation & Legal Audit: Identified a major vulnerability in the business structure, noting the total absence of a buy-sell agreement or formal succession plan.
- Succession Planning: Coordinated directly with Marco’s corporate attorney to execute a buy-sell agreement and modeled clear exit pathways, including private equity sales, key employee transitions, and internal leadership handoffs.
The Approach
We implemented a dual-balance-sheet framework that separated company cash flow from personal wealth building while coordinating legal succession planning across their advisory team. Today, Marco and Elena have absolute clarity, knowing their financial future no longer rests entirely on a single business enterprise.
Who We Work With
We work with people navigating real, specific moments, not just generic financial goals. Here's who we help most often, and how.
Ultra High Net Worth Families
Complex, multi-generational wealth requires more than a standard plan. Our advisors bring specialized experience in estate strategy, tax coordination, and investment management.
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Equity-Compensated Professionals
RSUs, ISOs, NSOs, and ESPPs come with tax and timing decisions that matter. We build strategies around vesting schedules, concentrated positions, and liquidity events.
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Business Owners
From growth and succession planning to liquidity events, we help business owners make confident decisions about their personal wealth while building a plan for what comes next.
Read Story →BUILT AROUND REAL LIFEOur Services
We built this list around the actual moments our clients face, not a generic menu of financial products.
Tax Planning, Optimization & Filing
We think about taxes year-round to capture real savings through harvesting, account conversions, and timing strategies for company stock or business income. For filing, we coordinate directly with trusted CPAs or our Savvy Tax team so your return aligns with your plan.
Estate Review & Coordination
We review your wills, trusts, and beneficiary designations to uncover gaps and make sure your paperwork reflects your current wishes. Working alongside your estate attorney, we translate your legal documents into a clear strategy that fits your full financial life.
Investment Management (Public & Private Markets)
We build low-cost, tax-aware portfolios focused on your long-term goals rather than short-term market guesses. Through Savvy Advisors, eligible clients can also access institutional private equity, real estate, and credit strategies—all actively monitored and rebalanced over time.
Insurance Review & Strategy
We evaluate your life, disability, and liability coverage to pinpoint gaps or areas where you may be over-paying. We recommend right-sized protection options for your family and business as an ongoing part of our regular planning process.
Equity Compensation Strategy
RSUs, ISOs, and stock options each carry unique tax rules and concentration risks. We map out when to exercise, sell, and diversify your holdings to protect your wealth around major liquidity events like acquisitions or IPOs.
Business Owner Exit Planning
Successful business sales or successions require years of preparation. We help align your exit strategy with your personal finances, collaborating with your attorneys and CPAs to ensure your life’s work receives the care it deserves.
Cash Flow Management
Retirement spending changes over time, requiring flexibility for healthcare, travel, and unexpected life costs. We build a clear roadmap so you know exactly how much you can spend, when to use it, and which accounts to draw from first.
Retirement Planning
We create a clear, tax-smart plan covering Social Security timing, account withdrawals, and pension options. Every piece of your financial life works together, giving you an adaptable plan that evolves as your lifestyle changes.
PLANNING IN PRACTICEReal Results
See how coordinated planning can bring clarity to a complex financial decision.
THE SAVVY WEALTH ADVANTAGEBacked by Institutional Resources, Advised Independently
Our affiliation with Savvy Wealth gives us institutional-level planning tools and technology, while we remain fully independent in the advice we give. It's the best of both worlds: sophisticated resources, delivered through a personal relationship with your advisor.
WHAT CLIENTS ASKFrequently Asked Questions
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We offer comprehensive wealth management built for complexity, including retirement planning, investment management across public and private markets, estate coordination, tax planning, insurance review, equity compensation strategy, and business owner exit planning.
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Yes. Tax planning is a core part of our process throughout the year. For tax filing, we coordinate closely with trusted CPAs in our network or through our internal Savvy Tax offering, so planning and execution stay aligned.
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Yes. We work with many clients who receive complex compensation packages and help structure a plan around timing, tax impact, diversification, and how equity compensation fits into your broader financial picture.
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Yes. Exit planning is a primary focus for many of our clients. We work years in advance alongside your attorneys and CPAs to help make the transition smooth for both the business and your personal finances.
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Yes. Our team includes advisors with specific experience serving ultra high net worth individuals, with a focus on complex estate, tax, and investment needs.
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Our investment management fee is tiered based on the assets we manage: 1.25% on the first $1 million, 1% on the next $1 million, and 0.75% on anything above $2 million.
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Your assets are held at Schwab Institutional or Fidelity, two well-established custodians known for strong security and transparency. You always maintain full ownership and visibility of your accounts.
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Rather than focusing strictly on account minimums, we focus on whether we can add meaningful value. We typically work with business owners, executives, and equity-compensated individuals with more complex financial needs.
YOUR PLAN SHOULD FIT YOUR LIFEReady to Build a Plan That Fits Your Life?
Curious what working together actually looks like? Here's how our process unfolds, from the first conversation to ongoing planning.