A hundred-year plan, once the next generation is provided for

Client Issues

With their descendants already provided for, the couple wanted to focus on philanthropy and to pass that priority on, while knowing how much to keep for their own cash flow.

Colony’s Solution

Investable assets were split into a lifestyle portfolio and a legacy portfolio, sized by detailed long-term simulation. The legacy portfolio funded a family foundation Colony administers, with the children on the board, alongside a conservation easement on family land.

Client Issues

The personal portfolio carried more risk than the couple wanted, and they asked whether their charitable intentions should shape how it was invested.

Colony’s Solution

The lifestyle mandate shifted toward supporting cash flow while keeping pace with inflation, the generation-skipping trust moved more aggressive given its longer horizon, and the foundation received an allocation balancing growth against required annual distributions.

Client Issues

The wife served as trustee, and the named successors were family members whose capacity to preserve the trust beyond their children’s lifetimes was uncertain.

Colony’s Solution

The trust was decanted to require a corporate co-trustee and focus distributions on education and entrepreneurial pursuits. When the husband died, Colony Trust Company became corporate co-trustee, supported the wife as Executor, and co-trusteed the new marital trust.