One Plan, Not Four
Wealth Planning
Strategy that aligns tax, estate, philanthropy, and legacy planning with your family’s priorities, built around your structure and designed to carry forward.
What wealth planning covers.
Five areas of work, coordinated as one plan rather than handled account by account.
Estate balance sheets and asset flows
We map what your family owns and how it moves between people, entities and trusts. That single view is what makes every other decision coordinated rather than isolated.
Tax coordination across structures
Coordination across complex holdings and structures rather than account by account, including work such as converting grantor trusts to non-grantor status where it mitigates state income tax.
Philanthropic strategy
Giving vehicles, timing, and how philanthropy fits the wider plan, so a gift does as much for your family as it does for the cause.
Trust structure and modification
Where documents no longer fit your family, we work with your counsel to decant or modify trusts: adding trustee succession, adjusting distribution standards, or changing the place of administration.
Continuity through transitions
A liquidity event, a retirement or a death changes the plan. We hold the reasoning behind previous decisions so the next one starts from context, not from scratch.
How we support your wealth planning needs.
As a multi-family office, we coordinate financial, tax, and legal specialists alongside your investment advisors, and bring what we learn across client families into the planning we do for yours.
Discover and Analyze
We begin by understanding your family’s circumstances, goals, and the documents that already shape them, so planning starts from the full picture.
Research and Design
Financial modeling and close collaboration turn priorities into a practical plan, with alternatives measured against a clear baseline.
Advise and Implement
Recommendations are presented in full, then coordinated with your attorneys, accountants, and other advisors so the changes actually get made.
Monitor and Educate
Regular reviews track progress as circumstances, legislation, and markets change, with reporting and education that keep your family informed.
Featured
Wealth Planning case study.
Our promise to your family.
A plan your family can see clearly and act on confidently, kept current as circumstances change.
Steady Support
The plan is maintained between the milestones, not rebuilt at each one.
Employee-Owned
Advice with nothing behind it to sell.
In-House Trust Company
The trustee can see the plan, so structure and strategy stay in agreement.
High Team Ratio
Your Wealth Advisor, Investment Advisor and Client Service Associate, by name.
Built For Your Family
Strategy built around your family’s structure rather than around a template.
Questions your family may have.
What families ask us most when the planning is spread across several advisors.
Alongside them, not instead of them.Your family's attorney drafts, your CPA files, and Colony holds the picture the two of them are working inside. In practice that means we bring the estate balance sheet, the cash flow modeling and the investment position to the conversation, so the advice they give is based on the whole structure rather than the part in front of them.Most of the value shows up in sequencing. A gift made before a valuation, a conversion made in the right tax year, a trust funded with the right asset: these are decisions that need two or three professionals to agree on timing, and that agreement rarely happens on its own.
Not a binder.It starts with an estate balance sheet: what your family owns, and how it moves between people, entities and trusts. Most families have never seen all of it in one place, and drawing it is usually what surfaces the trust funded with the wrong asset or the beneficiary designation that contradicts the will.Around that sits the rest: long-term cash flow modeling, a clear split between what funds your family's life and what is meant for the generations after, the trust structures that carry it, and consolidated reporting so the whole thing stays visible.The test of a finished plan is not its length. It is whether the next decision is easier than the last one.
Formally at least once a year, and in practice whenever something moves.The annual review is the scheduled one: what changed, what it means for the allocation, what is coming in the next twelve months. It is a planning conversation, and performance reporting sits inside it rather than being the point of it.The unscheduled ones matter more. A sale, a marriage, a death, a change of residence: each touches several parts of the structure at once, and each is a moment the parts can quietly fall out of alignment.Because one team holds the whole picture, those events land with people who already know what else they touch.
Yes, though the earlier we are in the conversation the more there is to work with.The window that matters closes at signing. Gifting into trust, charitable structures and valuation work all depend on being in place beforehand, and once a sale closes most of those options have expired.For one family, planning ahead of a transition meant separating $15.0M of lifestyle capital from $5.0M of legacy capital, and moving the legacy portion along with a portion of company stock into Spousal Lifetime Access Trusts using part of both lifetime exemptions.If the event has already happened, there is still work worth doing. It is just narrower, and we will be straight with your family about which options have closed.
Where else we can help your family.
Let’s talk.
Our promise is to bring clarity to your financial framework, continuity to the relationship, and trust to every step forward.