Fee-only wealth management for ultra-high-net-worth individuals and families.
At $30M+, coordination across multiple specialists (tax, legal, investment, insurance, philanthropy, governance) is the defining challenge. Multi-family offices serve $100M+; single-family offices $500M+. For $30M-$200M — the "mass UHNW" bracket — fee-only advisors coordinating specialist teams provide competitive alternative to MFO at meaningful c
What our matched specialists handle
- $50M from recent exit — multi-family office or fee-only RIA?
- Coordinating tax, estate, investment, insurance across specialists
- Alternative investments — how much, which?
- Philanthropic vehicles — DAF, private foundation, CRT?
- Family governance for generational wealth
- Direct indexing SMA, tax-loss harvesting at scale
Tools & guides
Financial Planning After a Liquidity Event
First 90 days after selling your company: QSBS, capital gains, estate planning, DAF timing, and the MFO vs. fee-only RIA decision.
UHNW Fee & Service Comparison
Compare fee structures at UHNW asset levels: wirehouse AUM, fee-only AUM, flat-fee family office, single-family-office.
Ultra-High-Net-Worth Wealth Management Guide
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
DAF vs. Private Foundation vs. CRT
Decision framework for $30M+ families: deduction limits, payout rules, self-dealing restrictions, and 2026 OBBBA changes to charitable strategy.
Alternative Investments for UHNW Investors
Private equity, venture, private credit, hedge funds, and real assets — allocation frameworks, GP access, J-curve mechanics, and tax considerations at $30M+.
UHNW Estate Planning: GRATs, SLATs, Dynasty Trusts
Trust strategies for $30M+ families — how GRATs transfer appreciation tax-free, SLAT mechanics with spousal access, dynasty trusts for multi-generational GST planning, and the $15M OBBBA exemption opportunity.
Family Governance for Generational Wealth
Family council structure, family charter, investment policy statement, trustee oversight, and next-generation preparation for UHNW families navigating the $30M–$200M complexity zone.
Concentrated Stock Diversification at $30M+
Exchange funds, prepaid variable forwards, CRT giving, QSBS §1202 planning, and direct indexing — tax math and decision framework for UHNW investors with single-stock exposure.
Ultra-High-Net-Worth Tax Planning: 2026 Strategies
The UHNW tax stack: NIIT, AMT, IRMAA, capital gains timing, state tax arbitrage, QBI deduction, QOZ deferral, and trust income compression — with verified 2026 numbers.
Private Placement Life Insurance (PPLI)
How PPLI wraps hedge funds and private credit inside a tax-free insurance structure for $30M+ investors — § 817(h) diversification rules, investor control compliance, PPVA comparison, and who it makes sense for.
Asset Protection for UHNW Families
Domestic asset protection trusts, family limited partnerships, umbrella insurance, and offshore trusts for $30M+ families — structures, tradeoffs, and the coordination failures that leave wealth exposed.
GRAT Calculator — Grantor Retained Annuity Trust
Model a zeroed-out GRAT: annual annuity requirement, year-by-year trust balance, and projected tax-free transfer to heirs. Based on the April 2026 §7520 rate of 4.6%.
How to Choose a UHNW Financial Advisor
The advisor landscape at $30M+, fee structures and total cost analysis, credentials that signal UHNW expertise, fiduciary vs. best-interest standard, and 12 interview questions that separate specialists from generalists.
Managing $30M+ requires a specialist — not a generalist.
We match UHNW families with fee-only advisors who understand estate strategy, alternative investments, and specialist coordination at your level. Free match, no obligation.
Get matched with an advisor →Charitable Remainder Trust Calculator (CRAT & CRUT)
Calculate your CRT income stream, charitable deduction, and 10% remainder test for 2026. Compare CRAT vs CRUT — and model the CRT against an outright sale — for concentrated positions of $1M+. §7520 rate May 2026: 5.0%.
QOZ Deferral Calculator — Qualified Opportunity Zone (2027+)
Model the OBBBA's new rolling 5-year QOZ deferral program: 10% basis step-up, year-5 forced recognition, and 10-year appreciation exclusion. For $1M+ capital gains from exits, PE distributions, or large stock sales. California non-conformity noted.
Executive Compensation Planning: NQSOs, ISOs, RSUs & Deferred Comp
How senior executives at public companies should plan equity compensation for UHNW wealth — NQSO exercise timing, the ISO/AMT trap, the RSU withholding gap, §409A deferred compensation rules, and the concentrated-stock coordination challenge at $30M+.
State Tax Domicile Change for UHNW Families
How $30M+ families legally exit California and other high-tax states — FTB's residency test and audit risk, the equity apportionment trap for unvested RSUs and options, state selection (FL vs. NV vs. TX vs. SD vs. WY), and timing strategy around liquidity events.
RMD Calculator 2026 — Required Minimum Distribution Schedule for UHNW IRA Owners
Calculate your 2026 required minimum distribution from a traditional IRA and project 20 years of forced distributions. Model QCD offsets ($111K/person in 2026), IRMAA exposure, and the total tax cost of letting large IRA balances compound without a Roth conversion plan. Uniform Lifetime Table verified per IRS Pub. 590-B, SECURE 2.0 ages (73/75) applied.
Inherited IRA RMD Calculator — 10-Year Rule & Annual Distribution Schedule
Calculate required minimum distributions from an inherited Traditional or Roth IRA: year-by-year schedule under the SECURE Act 10-year rule, T.D. 10001 mandatory annual RMDs (effective 2025) when the original owner died after their Required Beginning Date, and estimated income tax. IRS Single Life Table (Pub 590-B) verified.
Inherited Wealth Management for UHNW Beneficiaries
Managing inherited wealth at $30M+: step-up in basis under §1014, IRD and inherited IRA rules under T.D. 10001, trust beneficiary mechanics, investment transition at scale, and integrating an inheritance into your estate plan.
Backdoor Roth IRA Pro-Rata Calculator 2026
Calculate the true tax cost of a backdoor Roth IRA when you have a rollover IRA — the pro-rata rule (IRC §72) can make the conversion 98%+ taxable. Model the 401(k) rollover strategy that clears the trap, and size your mega backdoor Roth room up to $47,500+. 2026 limits per IRS Notice 2025-67.
Roth Conversion Strategy for Ultra-High-Net-Worth Individuals
Why Roth conversions are an estate planning tool at $30M+, how to identify low-income windows, bracket-filling math in 2026, the IRMAA trap, and when conversion doesn't make sense for UHNW families. All 2026 values verified.
Roth Conversion Calculator — Break-Even & IRMAA Impact
Model the federal tax cost of a Roth conversion using 2026 MFJ brackets, compare year-by-year Roth vs. Traditional IRA net-to-heirs, identify IRMAA cliff crossings, and quantify the estate tax benefit for families above the $15M exemption. Verified against IRS Rev. Proc. 2025-32 and CMS 2026 IRMAA tables.
IRMAA Calculator 2026 — Medicare Surcharge Planning for UHNW Families
Calculate your 2026 IRMAA Medicare surcharges at any MAGI level. See total annual costs by tier, model income reduction scenarios, and quantify the annual savings from dropping a tier. Includes 5 strategies — QCDs, Roth conversions, DAF bunching, income timing, and SSA-44 appeals — with UHNW-specific math throughout.
IPO Financial Planning for Founders and Executives
The full IPO planning arc for $30M+ founders and executives: pre-IPO gifting to GRATs and IDGTs at low 409A valuation, ISO/AMT strategy, RSU cliff vesting, 10b5-1 plan setup under 2023 SEC rules, lockup mechanics, California equity apportionment, and post-lockup diversification.
Section 83(b) Election: QSBS, LTCG, and the 30-Day Window
How founders with restricted stock use the §83(b) election to lock in LTCG treatment from grant date, start the QSBS §1202 five-year holding period immediately, and avoid millions in ordinary income at each vest event — plus the California sourcing trap most founders miss and step-by-step filing mechanics.
Single Family Office: When to Set One Up and What It Costs
For $100M+ families weighing SFO vs. MFO vs. fee-only: real operating costs by AUM level, staffing structures, the SEC § 202(a)(11)(G) family office exemption, common setup mistakes, and a decision matrix for when an SFO actually makes financial sense.
Business Succession Planning for UHNW Private Business Owners
How owners of $5M–$150M private companies structure a tax-efficient exit: GRAT and IDGT pre-sale gifting, the §1042 ESOP rollover, asset vs. stock sale analysis, PE minority recapitalization, family succession, and the post-sale transition from business owner to UHNW investor.
Generation-Skipping Trust Planning for UHNW Families
How the $15M GST exemption works, why it's not portable (unlike estate tax), and why that changes planning for married couples. Dynasty trust mechanics, inclusion ratio, GRAT vs. IDGT efficiency for GST, annual exclusion gifts to skip persons, and the six most expensive GST mistakes.
Spousal Lifetime Access Trust (SLAT) Planning Guide
How SLATs remove assets from your taxable estate while keeping indirect access through your spouse — mechanics, the $15M OBBBA exemption opportunity, the divorce trap, reciprocal trust doctrine risks, SLAT vs. GRAT vs. IDGT comparison, and trust design decisions for $30M+ married couples.
1031 Exchange for UHNW Real Estate Investors: DST, Reverse Exchanges & Estate Planning
How $10M+ real estate investors defer — and ultimately eliminate — capital gains tax through like-kind exchanges, Delaware Statutory Trusts, and the "swap till you drop" §1014 estate strategy. Includes DST seven deadly sins, reverse exchange mechanics, and comparison against installment sale and QOZ.
Digital Assets & Cryptocurrency Tax Planning for UHNW Investors
How $5M+ crypto positions interact with capital gains, the wash-sale advantage (no §1091 on direct crypto), tax-loss harvesting strategy, staking income traps, charitable giving of appreciated crypto to DAFs, estate planning for private keys, and trust structures (GRATs, IDGTs) holding Bitcoin and Ethereum.
529 Superfunding Calculator — 5-Year Gift Tax Election for UHNW Families
Front-load $95,000 per donor per beneficiary ($190,000 per couple) in a single year using the 5-year election. Model projected growth, estate planning math across multiple grandchildren, and the 529-to-Roth rollover backstop under SECURE 2.0. 2026 annual exclusion values verified.
Qualified Personal Residence Trust (QPRT): Move Your Home Out of Your Estate at a Discount
How a QPRT transfers your primary or vacation home to heirs at roughly 55–65% of its fair market value for gift tax purposes — with you living there rent-free for the trust term. Worked example, the §7520 rate advantage at 5.0% (May 2026), lease-back mechanics, and QPRT vs. direct gift vs. SLAT comparison for $3M+ residential real estate.
QPRT Calculator — Gift Tax Value & Estate Tax Savings
Model the taxable gift value of a Qualified Personal Residence Trust for a $1M–$20M home at your age and chosen term. Includes mortality-adjusted remainder factor (IRS Table 2000CM), exemption saved vs. a direct transfer, projected estate tax benefit at the June 2026 §7520 rate of 5.0%, and a sensitivity table across terms and §7520 rates.
Private Banking vs Fee-Only Financial Advisor: What $30M+ Families Need to Know
How JP Morgan, Goldman Sachs, Morgan Stanley, and Citi private banks make money from UHNW relationships — stated fees, lending spread, and proprietary products. Service comparison, when private banking wins, when fee-only wins, and the hybrid structure most $30M–$150M families should consider.
Estate Tax Calculator for UHNW Families
Estimate your 2026 federal estate tax exposure: gross estate to net heirs, annual gifting impact across multiple recipients and years, and a 10-year growth projection comparing no action vs. systematic gifting. $15M per-person exemption (OBBBA), 40% flat rate, $19K annual exclusion — all verified.
QSBS §1202 Planning for UHNW Founders: Post-OBBBA Strategies
How the OBBBA changed QSBS planning: $15M exclusion cap for post-July 4, 2025 issuances, tiered 3/4/5-year holding (50/75/100% exclusion), and seven advanced strategies — IDGT stacking, §1045 rollover, DAF pre-close, CA non-conformity, and pre-IPO gifting — for founders with $10M+ in qualified stock.
Charitable Bunching and DAF Strategy for UHNW Families
How $30M+ families maximize charitable tax benefits using donor-advised funds and appreciated securities: contributing stock directly avoids 23.8% LTCG+NIIT while preserving the full FMV deduction, OBBBA's 35% cap and 0.5% AGI floor explained, liquidity event timing strategy, and an interactive DAF calculator.
UHNW Retirement Income Planning: $30M+ Strategy Guide
Withdrawal sequencing, RMD planning, Roth conversion timing, IRMAA management, Social Security optimization, and QCD strategy for ultra-high-net-worth families. 2026 IRMAA brackets, $111K QCD limit, and estate coordination — with real dollar math throughout.
International Tax Planning for UHNW Families: FBAR, FATCA & Cross-Border Complexity
FBAR reporting, FATCA Form 8938, PFIC rules for foreign funds, foreign trust compliance (Forms 3520/3520-A), pre-immigration planning, Section 877A exit tax ($910K exclusion, 2026), and treaty tie-breaker provisions — for $30M+ families with international accounts, assets, or citizenship complexity.
NUA Calculator: Net Unrealized Appreciation vs. IRA Rollover
Model the tax savings from electing net unrealized appreciation treatment on employer stock in your 401(k): ordinary income on cost basis vs. long-term capital gains on all appreciation. Includes year-by-year comparison, penalty analysis (under 59½), state tax inputs, and estate planning integration for UHNW executives. 2026 rates verified.
Trust Income Tax Planning: The Retain vs. Distribute Decision
Non-grantor trusts hit 37% at just $16,000 of income in 2026 — the same rate an individual doesn't reach until $640,600+. How UHNW families with dynasty trusts, ILITs, and post-death IDGTs reduce that burden through distribution strategy, capital gains allocation, trust siting, and the interactive retain vs. distribute calculator. 2026 brackets per Rev. Proc. 2025-32.
Installment Sale Tax Planning for UHNW Business and Real Estate Sellers
How §453 installment sales defer capital gains for $30M+ transactions: gross profit percentage calculation, the often-overlooked §453A interest charge on obligations above $5M (6% on deferred tax, Q2 2026), structured installment sales through insurance carriers, the SCIN estate planning variant, and a comparison against QOZ, §1031 exchange, and IDGT alternatives. Verified against June 2026 AFR (3.68%) and IRS Publication 537.
Portfolio Longevity Calculator — Monte Carlo for UHNW Families
Run 1,000 simulations across your equity/bond/alternatives mix to see year-by-year portfolio survival rates and 10th/median/90th percentile outcomes. Model spending growth, asset allocation shifts, and the long retirement horizons that define UHNW planning.
Philanthropic Vehicle Comparison Calculator: DAF vs. Private Foundation
Compare the year-1 net cost of giving $500K–$5M through a DAF vs. private foundation vs. outright sale and cash gift — under 2026 OBBBA rules (35% deduction cap, 0.5% floor, 1.39% PF excise). See which vehicle leaves the most capital working for your philanthropic goals.
Long-Term Care Planning for UHNW Families: Self-Insurance vs. Coverage
At what asset level does self-insurance make sense? How do two-spouse concurrent care scenarios change the math? A guide for $30M+ families covering traditional LTC policy, hybrid/asset-based structures, cognitive decline financial capacity planning (POA, directed trust), and 2026 IRC §213(d)(10) deduction limits by age.
Beneficiary Designation Planning for UHNW Estates
How $30M+ families structure IRA, 401(k), life insurance, and TOD beneficiary designations — including T.D. 10001 annual RMD rules during the 10-year period, see-through trust requirements, conduit vs. accumulation trust trade-offs, and the 7 most expensive designation mistakes that override even the best estate plan.
Year-End Tax Planning Checklist for Ultra-High-Net-Worth Families (2026)
An interactive checklist of every December 31 deadline for $30M+ families: annual exclusion gifts ($19,000/person), GRAT annuity payments, Roth conversions, RMDs, DAF funding, trust distributions, QOZ transition window, IRMAA management for 2028 premiums, and estate plan reviews. Browser-based progress tracking included.
Charitable Gift Annuity Calculator 2026
Calculate your annual income, charitable deduction, and after-tax cash flow from a CGA — using 2026 ACGA rates (5.7% at 65, 6.3% at 70, 7.0% at 75), June 2026 §7520 rate of 5.0%, and OBBBA 35% deduction cap. Model cash vs. appreciated securities contributions, exclusion ratio breakdown, and year-by-year income table. Sister tool to the CRT and CLAT calculators.
Business Sale Tax Calculator 2026 — Net Proceeds After Taxes
How much do you actually keep from a $30M–$200M business sale? Compare no-planning (23.8% federal LTCG+NIIT), QSBS §1202 exclusion (up to $15M excluded under OBBBA), and installment sale (including §453A interest on obligations above $5M). Models federal, state, and California non-conformity. Verified against 2026 rates.
Prenuptial Agreement Financial Planning for UHNW Families
How $30M+ families structure prenuptial agreements to protect business interests, equity compensation, inherited wealth, and trust assets. Covers enforceability requirements, disclosure standards, the SLAT timing question, sunset clauses, lifestyle provisions, postnuptial agreements, international considerations, and six grounds that void prenups in court.
K-1 Partnership Tax Planning for UHNW Investors
How $30M+ families with PE, VC, and hedge fund allocations manage K-1 complexity: UBTI in retirement accounts ($1,000 threshold, 37% trust-rate UBIT), multi-state filing nexus from fund portfolio companies, phantom income, §1061 carried interest 3-year rule, and planning solutions — PPLI wrappers, offshore blockers, and direct co-investment structures.
AMT Calculator 2026 — ISO Exercise Planning for UHNW Executives
Calculate your 2026 federal alternative minimum tax exposure from ISO exercises. Model any spread amount, find your maximum safe exercise limit, and see the full breakdown — regular tax vs. tentative minimum tax, AMT credit carryforward, and sensitivity table across exercise scenarios. Reflects OBBBA's new 50% phaseout rate for 2026.
Capital Gains Tax Calculator 2026 — Full Stacked Rate for UHNW Investors
Calculate your exact capital gains tax: federal LTCG rate (0/15/20%), 3.8% NIIT, and your state — from California's 37.1% combined rate to Florida's 23.8%. Model tax-loss harvesting offsets, see after-tax proceeds, and compare the §1014 step-up alternative. 2026 bracket thresholds and NIIT rules verified.
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UHNW Advisor Match is a matching service. We connect you with vetted fee-only financial advisors in our network — we don't manage money or provide advice ourselves. Advisors in our network are fiduciaries who charge transparent fees (not product commissions), and we match you based on your specific situation.