High Net-Worth Case Study:

Helping a Client Maintain - and Elevate - Their Wealth With Confidence

Stacy has a net worth of several million dollars between her investments, real estate properties, business holdings and overall financial portfolio. At the same time, she is susceptible to higher taxation and a general sense of feeling overwhelmed with her options to balance financial security, philanthropy and family legacy simultaneously.

Her Opportunities

How We Could Help

Her Opportunities:

Her Opportunities Asset Preservation and Diversification

How We Could Help:

How We Could Help: Recommend diversification strategies customized to market conditions.

Establish asset protection trusts to shield from creditors or litigation.

Her Opportunities:

Her Opportunities Tax Optimization Strategies

How We Could Help:

How We Could Help: Develop strategies, such as strategic gifting, to maximize tax credits and deductions.

Suggest increasing HSA contributions as a tax-free growth method to pay for healthcare.

Discuss converting tax-deferred accounts to a Roth IRA to eliminate future tax liabilities. Offset capital gains by introducing tax-loss harvesting.

Structure income streams to defer or eliminate tax obligations.

Her Opportunities:

Her Opportunities Streamlined Wealth Transfer

How We Could Help:

How We Could Help: Create a detailed estate plan, complete with wills and insurance coverage.

Structure family governance to educate heirs on financial stewardship.

Reduce estate taxes through generation-skipping trusts.

Her Opportunities:

Her Opportunities Fulfilling Philanthropic Initiatives

How We Could Help:

How We Could Help: Assist with establishing a family foundation for structured charitable giving.

Propose donor-advised funds (DAFs) for flexible, tax-advantaged philanthropy.

A business woman with a hand to her head, looking downwards at floorplans.

Reasoning and Rationale:

Recommendations would be made to help retain wealth by aiming to reduce tax obligations
Implementing tracking tools to provide alerts when certain risk thresholds were crossed
Centralized financial oversight enables seamless tracking of all assets, investments, cash flow and liabilities for simpler coordination and management

Possible Outcomes:

Reduction of estate tax liabilities through strategic trust and gifting plans

Positioning family portfolio for growth while reducing associated risk

Initiating robust multi-generational wealth transfer strategy with clear governance

Higher probability of achieving desired philanthropic impact while leveraging tax advantages

A business woman with building plans in front of her.

What Do You Want to Achieve?

Talk With Our Wealth Advisors

This case study is hypothetical and for discussion purposes only. Client names and images mentioned in above case study are also hypothetical in nature and do not represent any actual client. It is not intended to represent any specific return, yield or investment. Individual experiences referenced above may not reflect the future experience of any one client. The planning process discussed may not be suitable for your personal situation, even if it is similar to the example presented. Past performance is no guarantee of future results. Investing involves risk including the possible loss of principal.

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