Institutional Excellence for Private Estates
Discipline Private Wealth
Advanced asset-liability matching and bespoke portfolio engineering for families navigating significant liquidity and multi-generational transitions.
UHNW Specialized Services
Custom Tax-Loss Harvesting
Utilizing Direct Indexing and SMA structures (AQR, Parametric, Aperio) to generate realized losses that offset significant liquidity events or high ordinary income.
Institutional ALM
Moving beyond standard "risk profiles" to true asset-liability matching, ensuring your portfolio's duration perfectly mirrors your estate’s cash flow requirements.
Complex Estate Integration
Coordination with legal and tax teams to ensure investment structures—including trusts and LLCs—are optimized for step-up in basis and seamless succession.
Liquidity Event Planning
Comprehensive pre- and post-sale modeling for business owners and executives to minimize the tax-drag of concentrated stock or business exits.
Advanced Asset Location
Tactical placement of high-yield and high-growth assets across taxable, tax-deferred, and tax-exempt wrappers to maximize long-term net-worth velocity.
Global Macro Insights
Direct access to our firm's deep macroeconomic research, providing context for how global shifts impact large, diversified pools of capital.
The Private Wealth Roadmap
We audit your current holdings, tax lots, and entity structures to identify inefficiencies in tax-drag and asset-liability mismatches.
We build a custom "Liability Benchmark" based on your lifestyle burn, philanthropic goals, and legacy transfers to define the portfolio's required duration.
Deployment of low-cost indexing combined with specialized SMAs for tax-alpha, specifically tailored to handle large cash inflows or concentrated positions.
Proactive rebalancing, annual tax-loss harvesting harvests, and ongoing coordination with your CPAs and Estate Attorneys.
Client Suitability
| Client Profile | Core Challenge | Our Solution |
|---|---|---|
| High-Liquidity Households | $5M+ event requiring tax mitigation. | Tax-Aware Long/Short SMA & Direct Indexing. |
| Business Founders | Concentrated risk and exit planning. | Single entity, RSU & 10b5-1 diversification. |
| Multi-Generational Estates | Succession and legacy preservation. | Time-weighted ALM and Step-up basis tracking. |
Institutional FAQ
How does your UHNW service differ from the retail offering?
While our core "Defined Duration" philosophy remains the same, the UHNW service integrates complex tax-harvesting strategies, alternatives, SMA access (Schwab Marketplace), and direct coordination with your external professional network (CPAs/attorneys/advisors) which are typically not required for retail clients.
Do you offer customized fee structures for larger households?
Yes. For households with complex needs or those exceeding $5M in AUM, we offer tiered or custom flat-fee arrangements that reflect the institutional level of coordination required. We can also customize fees around our own products to enhanced tax efficiency.
How do you handle the tax impact of moving a $5M+ portfolio to your firm?
We never "blindly" liquidate. For portfolios with significant unrealized gains or concentrated positions, we perform a Transition Analysis. This modeling identifies which positions to hold, which to "wash" against harvested losses, and provides a multi-year schedule to reach your target allocation. By integrating specialized SMAs, we can often neutralize the tax-drag of the transition through aggressive, systematic loss harvesting.
Confidentiality and fiduciary care are guaranteed from the first interaction.