Defining the Scope of Service
CORE
The foundation of every client relationship — essential, disciplined, ongoing
Education & Behavioral Coaching
- Financial literacy education for all generations
- Behavioral coaching during volatility and life events
- “What-if” scenario planning and stress-testing
- Regular Strategy & Tactical Sessions
- Communication strategies for couples and families
Investment Advisory & Financial Planning
- Risk profiling and return objective alignment
- Tax-efficient investment and withdrawal strategies
- Strategic asset allocation, manager selection and monitoring
- Non-traditional solutions: alternatives, buffered products, annuities
Foundational Wealth Planning
- Net worth consolidation & tracking
- Cash flow & savings discipline
- Retirement readiness assessment
- Social Security & Medicare optimization
- Roth conversion strategies
- Annual “financial snapshot” planning updates
Comprehensive
Multi-dimensional planning and coordination, with professionals across disciplines
Trust, Estate & Legacy Planning
- Will, trust, and beneficiary design
- Revocable & irrevocable trust structure reviews
- Estate tax mitigation strategies
- Legacy and values-based planning
Insurance & Risk Management
- Comprehensive policy reviews and adjustments
- Medicare enrollment & supplemental plan optimization
- Secure online client portal, mobile app, digital document vault
Professional Collaboration
- Integrated planning with CPAs, attorneys, and bankers
- Coordination of tax-efficient investment & estate strategies
- Communication across fiduciary and trustee relationships
- Strategic guidance during transitions or liquidity events
Advanced
For complex wealth structures, multi-generational needs, and legacy planning
Business Owner & Executive Advisory
- Business entity optimization for tax & liability
- Buy/sell agreement design & funding strategies
- Liquidity event planning
- 10b5-1 plans and Form 144 sales
- Deferred comp & NQDC plan integration
- Captive insurance program analysis
- Coordination with investment bankers for exit strategy
Philanthropy & Social Impact
- Charitable trust design
- Donor-advised fund & grant strategy
- Private foundation strategy and administration
- Strategic family giving plans
- Philanthropy education for next-gen heirs
- Family volunteering experiences and legacy workshops
Family Governance & Generational Stewardship
- Multi-generational wealth continuity planning
- Family mission statement and governance structure creation
- Preparation of heirs for financial responsibility
- Family meetings
- Heir readiness assessments and coaching
- Education for blended or complex family structures
Concierge
Support for everything life demands — beyond financial planning
Lifestyle & Luxury Services
- Private aviation, yacht and luxury purchase advisory
- Curated travel and experience planning
- Personal assistant to help with miscellaneous tasks, like scheduling an oil change
- Art advisory, appraisal & curation
Health & Wellness Resources
- Healthcare concierge
- In-home medical care & aging-in-place design
- Senior housing transitions and placement support
- Fitness, wellness, and life coaching
- Insurance review for medical and elder care costs
Personal Financial Concierge
- Bill pay and scheduled disbursements
- Credit score monitoring and restoration
- Identity theft protection and resolution
- Assistance with large purchases and financing
- Household and property management (i.e. staff payroll and hiring, renovations, design)
The information provided is for illustrative purposes only and is not intended to be a recommendation or endorsement of any specific strategy, acceptable risk tolerance, return profile, action, or product. The concepts discussed may not be applicable in all situations and should not be considered a substitute for individualized advice. Financial professionals should continue to follow their firm's established compliance procedures and consult with their compliance department for guidance on relevant regulatory restrictions and before implementing any new approaches.
