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Aligning Generational Goals. Managing the Day-to-Day.

Affluent families have found that a dedicated family office helps them effectively manage the challenges and opportunities that come with prosperity. However, developing that expertise and infrastructure is costly and time-consuming, which is why many families collaborate with Cerity Partners.

Our family office services span the spectrum from full financial management to helping you establish and coordinate your own office. Whatever level of support you need, we can help.

  • Family office governance, education and succession planning
  • Financial planning and cash flow analysis
  • Goals-based investment management
  • Asset protection and risk management
  • Estate and charitable gift planning
  • Tax planning and preparation

It’s natural for family members from different generations to have their own unique needs and desires. Let us help you navigate the sometimes competing or conflicting interests while minimizing discord.

Grow Your Wealth. Protect Your Family.

Preserve Your Assets.

Every family needs a point person who brings the appropriate people to the conversation and keeps everyone focused on the end goal. At Cerity Partners, that person is your dedicated Wealth Management Advisor.

They collaborate with you, your existing advisory team, and our in-house specialists – tax advisors, certified financial planners and investment professionals – to execute comprehensive wealth management solutions that meet your family’s diverse needs.

Family Governance

Effective family offices are structured like a business with documented policies and procedures that outline ethics, core values, investment mandates, and decision-making. We work with your family to put the best framework in place to help you grow and preserve your wealth for generations to come.

Family Governance
Financial Planning and Cash Flow Analysis

The decisions you make today impact your family’s future net worth. We help you address the “can we afford this” question by providing income and expense projections and seeking the best terms for mortgages, loans, and more. Additionally, we can handle the mundane, but necessary, task of bill paying.

Financial Planning and Cash Flow Analysis
Goals-Based Investment Management

Your investments play a significant role in achieving your short- and long-term goals. We help you build a diversified portfolio that truly reflects your family’s needs. Your personalized portfolios consist of investments that offer the most potential return for your desired level of risk.

Goals-Based Investment Management
Asset Protection and Risk Management

One of the drawbacks to wealth is the potential for people to try and take advantage of your good fortune. And liability insurance tends to cover less than you might think. We analyze the current structure of your assets and insurance coverage and work with you to put safeguards in place to better protect your family, business and property.

Asset Protection and Risk Management
Estate and Charitable Gift Planning

State and federal estate taxes can significantly erode a family’s wealth over time. We employ advanced planning and wealth preservation strategies, such as Dynasty Trusts and Private Trust Companies, to help you preserve your legacy and achieve your philanthropic goals in the most tax-efficient way.

Estate and Charitable Gift Planning
Tax Planning and Preparation

Taxes are a crucial part of almost every major financial decision. Failing to take them into account can result in overpayment and diminished investment returns. We understand the cause and effect between taxes and your family’s financial life and help you identify and minimize potential tax liabilities before you act.

Comprehensive Financial Management Means More Time for You, Family Harmony and Lower Costs

Life gets complicated— especially when you add in wealth management and the oversight of estates, trusts, partnerships, and multiple investment managers. We oversee and manage the administrative functions of your office so you can spend your time doing what you enjoy.

 

  • Simplified Financial Management. You don’t have to spend countless hours contacting multiple advisors to get a complete picture of your financial landscape. We handle all the coordination for you.
  • Productive Family Meetings. Money is an “emotionally-charged” topic. Your legacy depends on family members putting aside their emotions to have open and honest discussions. We help you have these tough conversations.
  • Cost Efficiencies. Our fees are often substantially less than building the infrastructure for and staffing an in-house office yourself. Lower cost means more money for your goals and other pursuits.

Given the complexity of a family’s financial situation, running their own family office may not be the best choice. It can be time-consuming as well as costly and strain relationships. Many times, outsourcing makes more sense.

Meg Rowley

Partner

Acting in Your Best Interest—Today and Always

It’s a challenge for affluent families to find advisors they can trust. We embrace our role as fiduciaries—it’s who we are. Our advisors act solely in your best interest, providing objective advice and creative solutions to help you preserve what you have built, protect your lifestyle, and grow your wealth over time.

Cerity Partners University

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