Tax efficiency is central to real world investment outcomes and a reliable source of value. Our investment process is designed to minimize unnecessary tax drag through thoughtful structuring, ongoing monitoring, and proactive planning. By emphasizing after-tax performance, we help portfolios compound more effectively over time and remain coordinated with your broader tax and financial life.
Wealth Management
Wealth management for individuals and families managing financial complexity
For us, "wealth management" means the confluence of financial planning, investment management, estate planning and tax into one cohesive strategy.
We are a Persona CFO for your family, and provide coordinated leadership across the key facets of your financial life, including…
Investment Strategy and Oversight
Your investment strategy should support the full financial picture rather than operate in isolation. Our approach emphasizes disciplined portfolio construction that aligns with long term objectives, liquidity needs, and broader estate considerations. Oversight is ongoing and intentional, helping portfolios evolve thoughtfully as circumstances change and remain aligned with the overall financial framework.
Customized asset allocation and portfolio construction
Tax-loss harvesting and gain deferral strategies
Asset location planning (taxable vs. tax-advantaged accounts)
Ongoing portfolio monitoring and rebalancing with tax impact in mind
Consolidated performance and activity reporting
Integration with estate and charitable planning goals
Tax-Optimized Investment Management
Tax Planning & Strategy
Tax outcomes are one of the few financial variables that can be planned for. We work closely with you to identify opportunities, manage timing, and ensure decisions are made with full visibility into tax consequences — both now and in the future. Our planning is ongoing, not transactional, and evolves with your needs and goals. This includes…
- Annual and multi-year tax projections and planning
- Tax efficient cash flow management
- Charitable giving strategy and structure (including DAFs, CRTs, QCDs, etc.)
- Executive compensation and equity planning
- Roth conversion analysis and timing
- Coordination with outside CPAs for filing and compliance
Cash Flow & Integrated Financial Planning
Managing wealth often means managing a large number of moving pieces — from multiple income sources to complex expenses and financial obligations. We have the capabilities to step in to handle the details, ensuring that you have visibility into your liquidity and a reliable system for daily financial operations. This includes…
- Cash flow analysis and forecasting
- Liquidity planning and reserves management
- Coordination of credit lines and banking relationships
- Financial organization and document management
Risk Management
We take a practical approach to risk, focusing on areas where planning can materially reduce exposure or improve resilience. Risk often hides in overlooked details: insurance coverage, entity structure, even digital security. We help you understand where those risks exist and how they can be addressed through structure, documentation, or external coordination. This includes…
- Insurance review and coordination (life, liability, property, umbrella)
- Legal structure and ownership planning
- Contingency and incapacity planning
- Cybersecurity and identity protection guidance
- Coordination with legal and insurance advisors
Trust, Estate, & Philanthropic Coordination
Estate plans are most effective when they are integrated with your financial strategy and revisited regularly. We serve as a bridge between legal documents and real-world implementation, helping you maintain alignment between structure, ownership, and family intent. We also support administration needs and help check that your plans are well understood by all involved. This service includes…
- Trust administration and investment oversight
- Estate plan implementation and monitoring
- Beneficiary coordination and asset titling reviews
- Gifting strategy and documentation support
- Collaboration with attorneys and trustees
Family Office Solutions
If your family has especially complex financial needs, our family ofice solutions can provide the scale and resources to support your goals.
