Career Transitions and Executive Planning

    EP Wealth helps clients re-evaluate their financial plans as they navigate career transitions such as job changes, promotions, business ownership, or moving into retirement.

    We assist with:

    • Analyzing compensation packages, stock options, and deferred compensation plans to help individuals understand their benefits when changing roles.
    • Adjusting investment strategies and savings plans to reflect new income levels or shifts in financial priorities.
    • Business ownership planning, including assessing the financial impact of starting, selling, or exiting a business.

    For executives and business owners, our services include analyzing deferred compensation plans, evaluating equity-based incentives, and coordinating tax planning considerations.

    Family Changes

    Life transitions within a family—such as marriage, divorce, the death of a spouse, or welcoming children or grandchildren—can affect financial priorities and require adjustments to long-term plans.

    EP Wealth provides guidance on:

    • Merging or separating financial accounts based on relationship changes.
    • Updating estate plans to reflect evolving family structures.
    • Assessing the financial impact of caregiving responsibilities, whether supporting aging parents or funding education for children and grandchildren.

    Health and Lifestyle Changes

    Changes in health and lifestyle can bring new financial considerations, from rightsizing to managing medical costs to planning for long-term care. EP Wealth works with clients to help them make informed decisions about healthcare, insurance, and aging-related expenses.

    Our services include:

    • Evaluating healthcare coverage and long-term care planning options to help manage potential costs.
    • Evaluating the financial impact of a disability and exploring income replacement strategies, including insurance options and workplace benefits.
    • Incorporating wellness and lifestyle changes—such as relocating, downsizing, or pursuing a new career path—into a broader financial strategy.

    EP Wealth offers a broad range of retirement planning services to help structure finances for long-term needs.

    Legacy and Inheritance

    EP Wealth assists individuals and families in developing wealth-transfer and legacy strategies that reflect their values and financial objectives.

    We provide support in:

    • Inheritance planning—helping recipients understand tax considerations and investment strategies for newly acquired wealth.
    • Estate tax and charitable giving strategies to help align wealth distribution with long-term goals.
    • Coordinating with estate attorneys and tax professionals to develop a comprehensive legacy plan.
    • Establishing trusts and other estate planning tools to support structured asset distribution across generations.

    Whether passing down assets to heirs, supporting philanthropic causes, or structuring a business succession strategy, we help clients integrate legacy planning into their broader financial planning.

    Major Asset Transitions

    Buying, selling, or restructuring significant assets—such as real estate, businesses, or investment portfolios—can have complex financial and tax implications. EP Wealth helps clients navigate these transitions by:

    • Evaluating the tax impact and cash flow considerations of major purchases or asset sales.
    • Developing strategies for real estate transactions, including capital gains tax management and property exchange options.
    • Providing guidance on business succession planning, including ownership transfer structures and potential tax liabilities.

    By integrating major asset transitions into a personalized financial plan, we help clients manage liquidity needs, tax obligations, and long-term priorities.

    DISCLOSURES:

    • EP Wealth Advisors, LLC. is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability.
    • Request an appointment with an EP Wealth Advisor when you have a minimum of $500,000 in investable assets – which includes qualified retirement plans (IRA, Roth IRA, 401(k), taxable brokerage, cash (savings / checking) and CDs. Investable assets do not include your home, vehicles, or collectibles.
    • Hiring a qualified advisor and/or financial planner does not guarantee investment success, and does not ensure that a client or prospective client will experience a higher level of performance or results. No guaranty or warranty is made that any direct or implied results or projections being represented here will be met or sustained.
    • The need for a financial advisor or financial planner and/or the type of services required are specific to the uniqueness of each individual’s circumstances. There is no guarantee or warrantee that the services offered by EP Wealth Advisors, LLC will satisfy your specific financial services requirements. Services offered by other advisors may align more to your specific needs.
    • Information presented is general in nature and should not be viewed as a comprehensive analysis of the topics discussed. It is intended to serve as a tool containing general information that should assist you in the development of subsequent discussions. Content does not involve the rendering of personalized investment advice nor is it intended to supplement professional individualized advice.
    • EP Wealth Advisors (“EPWA”) makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information presented. All expressions of option are subject to change without notice.

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