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.
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.
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.
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.
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.
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.
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.
How matching works
Get matched with a specialist
Fee-only advisor with no commission conflict. Free match.
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.