High Net Worth Financial Advisors

EP Wealth's high-net-worth advisors deliver coordinated wealth management for individuals and families with complex financial lives. Each client works with a dedicated team of specialists across investing, tax, estate, and financial planning, led by a single accountable advisor. Your strategy is built around your specific goals and circumstances, and refined as your life and priorities evolve.

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How EP Wealth Serves High-Net-Worth Clients

Significant wealth often brings opportunity, but it can also create complexity. As your financial life expands, decisions around investments, taxes, real estate, business interests, and estate planning can begin to affect one another in ways that are easy to miss without a coordinated strategy.

EP Wealth's advisors help clients work through that complexity with clarity. Decisions about how to fund lifestyle goals, support family members, pursue business opportunities, or give charitably all depend on how the broader financial picture fits together.

As an independent fiduciary firm, we are required to act in your best interests, with no proprietary products and no incentives tied to specific recommendations. Our approach brings together financial planning, investment management, tax planning, and estate planning under one roof, with a dedicated team supporting each client. The goal is to help you see how the pieces of your financial life connect and to put your wealth strategy in service of both your current needs and the future possibilities you are working toward.

Your Dedicated Wealth Team

Every EP Wealth client is supported by a dedicated team led by their advisor. This team-based approach is designed so that each area of your financial life receives focused attention, while your advisor helps coordinate across specialists to keep recommendations aligned with your broader goals.

Advisor

Your primary contact for financial planning and investment-related needs
Develops an understanding of your financial situation, goals, and priorities
Coordinates your broader wealth team and helps keep recommendations aligned
Helps update your plan as your circumstances evolve

Financial Planner

A dedicated CERTIFIED FINANCIAL PLANNER® who collaborates with your advisor to build and maintain your financial plan
Runs cash flow projections and models multiple financial planning scenarios
Develops detailed recommendations and next steps tailored to your situation
Helps evaluate planning decisions across retirement, income, taxes, estate, insurance, and other areas of your financial life

Portfolio Manager

Advises on portfolio construction, diversification, and risk
Executes transactions such as rebalancing, tax-loss harvesting, and management of concentrated stock positions
Monitors market conditions and the alignment of your portfolio with your long-term goals

Tax Specialist

A team of EAs and CPAs available to assist with tax planning and preparation
Helps coordinate tax considerations with investment and estate decisions
Supports planning for complex tax topics, including charitable giving and multi-year strategies

Estate and Advanced Planning Team

Reviews existing estate documents and identifies gaps or planning opportunities
Supports complex topics such as wealth transfer, asset protection, and trust structures
Coordinates with your attorney and the rest of your team

Client Service

Your day-to-day point of contact for scheduling, documentation, and account requests
Understands your communication preferences and timelines
Provides responsive support on time-sensitive matters

Additional Specialists (where applicable)

Philanthropy and charitable giving
Business planning
Real estate
Equity compensation
Divorce planning
College planning

Want to learn how this coordinated approach works in practice? Connect with a financial advisor to discuss our comprehensive services.

HOW EP WEALTH CAN HELP

EP Wealth helps you evaluate these decisions in context. We begin by understanding your goals, resources, obligations, and time horizon, then we build a financial plan that can adapt as your circumstances evolve.

We will develop a financial plan to address factors such as:

Retirement income
Cash flow
Major purchases
Real estate holdings
Cross-border property considerations
Education funding
Charitable giving
Wealth transfer
Concentrated positions
Business interests
Planning for future generations

Your plan is designed to adapt. As tax laws shift, family dynamics change, or as new opportunities and obligations arise, your advisor and financial planner revisit assumptions and update recommendations. Through ongoing reviews, we help keep your strategy aligned with where you are today and where you want to go next.

Investment Management for Complex Portfolios

High-net-worth portfolios often carry complexities that call for a tailored approach. You may hold concentrated equity, private company shares, real estate, taxable accounts, retirement assets, trusts, or inherited investments. An investment strategy that doesn't account for how these pieces interact may leave opportunities on the table or create unintended consequences.

EP Wealth's portfolio managers build investment strategies around each client's individual circumstances, including:

Risk profile and time horizon—aligning portfolio construction with your comfort level and long-term objectives
Income needs—structuring investments to support cash flow requirements across different life stages
Tax coordination—working with your tax specialist and financial planner so that activity like rebalancing, harvesting losses, or liquidating a concentrated position accounts for the broader financial picture
Concentrated stock management—developing diversification strategies to help reduce single-position risk in a tax-aware manner
Multi-generational considerations—positioning portfolios with an eye toward wealth transfer goals and beneficiary planning

This kind of coordination between your portfolio manager, tax specialist, and financial planner may be especially relevant for clients managing large capital gains, navigating required minimum distributions, or transitioning wealth across generations.

Tax Planning and Preparation

For high-net-worth households, tax planning touches nearly every financial decision—from how and when to draw income, to how investments are structured, to how charitable contributions are timed.

EP Wealth's financial planning, investment, and tax teams work together to identify tax-aware strategies that align with your broader financial plan. Your financial planner may model tax projections and planning scenarios to help evaluate opportunities, while our in-house tax professionals can provide additional insight and support with tax preparation when appropriate. Areas of focus may include:

Multi-year income planning—modeling how income timing, sources, and withdrawal sequencing may affect tax exposure across multiple years
Roth conversion analysis—evaluating whether and when converting pre-tax assets to Roth accounts may be advantageous
Charitable giving strategies—analyzing scenarios involving donor-advised funds, qualified charitable distributions, or gifts of appreciated securities to help coordinate giving with your overall tax picture
Capital gains coordination—aligning portfolio decisions like rebalancing or position liquidation with your tax situation
State and multi-state tax considerations—accounting for tax obligations that may arise from residency changes, multi-state income, or property in different jurisdictions
Equity compensation planning—analyzing the tax implications of stock options, RSUs, or other compensation structures to help inform exercise and sale timing

Because your tax specialist, portfolio manager, and financial planner work together as a single team, tax considerations are built into recommendations from the start.

Estate and Legacy Planning

Estate planning for high-net-worth families often involves questions that go beyond basic documents. How should wealth be structured across generations? What role might trusts play in managing tax exposure or protecting assets? How should beneficiary designations align with the broader estate plan? How can philanthropic goals be woven into a long-term legacy strategy?

EP Wealth's estate and advanced planning team reviews existing documents, identifies potential gaps or inconsistencies, and works with your attorney to help align your estate plan with your financial strategy. For clients with more complex needs, the team can support planning around trust structures, gifting strategies, wealth transfer vehicles, and asset protection considerations.

Because estate planning is part of your ongoing financial planning relationship, your plan can be revisited as family circumstances, tax laws, goals, or legacy priorities change.

Who We Work With

EP Wealth serves a range of high-net-worth clients, each with distinct financial considerations.

Business Owners—EP Wealth helps business owners navigate succession planning, buy-sell agreements, debt analysis, and tax strategies related to a future sale or transition. We also build a personal wealth plan that accounts for how business decisions may affect your long-term financial goals.

Corporate Executives—Our team works with executives to navigate equity compensation, deferred income, and retirement planning decisions that are closely tied to the timing and structure of their compensation packages. Learn more about Wealth Management for Executives.

Physicians, Attorneys, and Other Professionals—EP Wealth provides planning around practice ownership, liability considerations, income management, and retirement accumulation strategies for high-income professionals.

Entertainment Professionals—EP Wealth supports entertainment professionals with planning built around variable income, complex contract structures, and career timelines that call for flexible, forward-looking strategies.

Professional Athletes—Our advisors help athletes plan across compressed earning windows, multi-state tax obligations, and the transition to post-career financial life. Learn more about Wealth Management for Athletes.

Real Estate Investors—EP Wealth works with real estate investors on tax-aware strategies related to depreciation, 1031 exchanges, portfolio structuring, and property-level decision-making.

Institutional Clients—For trusts, estates, and charitable organizations, EP Wealth provides investment oversight, fiduciary support, and coordination with legal and tax counsel.

Individuals Navigating Major Transitions—During periods of significant change—such as divorce, the loss of a spouse, an inheritance, or retirement—EP Wealth's coordinated team model helps clients make informed decisions when the financial stakes are high.

Family Office Services

For clients with $25 million or more in investable assets, EP Wealth offers Family Office Services, designed to address the added complexity that can come with substantial wealth.

Your team includes an advanced wealth strategist, senior estate planner, and portfolio strategist, and the scope of services extends into areas that reflect the breadth of your financial life:

Luxury asset management for holdings such as yachts, aircraft, art, and collections
Global and expat wealth planning across multiple jurisdictions
Concierge and lifestyle coordination, including travel, healthcare access, household staffing, and vendor oversight
Cybersecurity, digital privacy, and identity protection
Risk and liability management across entities, trusts, and personal holdings
Insurance coordination through specialty high-net-worth brokers
Custom credit and liquidity planning
Outsourced CIO services
Coordination with outside attorneys, CPAs, transaction advisors, and other specialists as a central point of oversight
Family governance, including family mission statements and structured family meetings
Next-generation financial education and stewardship preparation

These are the kinds of considerations that come with significant wealth, and Family Office Services brings them all under one coordinated strategy.

Wealth Planning Through Major Life Events

Significant wealth often changes shape during pivotal life moments. These transitions can create new questions, new opportunities, and new risks to consider.

EP Wealth can help you plan through events such as:

Business sale or transition
Retirement or work-optional planning
Inheritance or family wealth transfer
Divorce or loss of a spouse
Major charitable commitments
Sale or purchase of real estate
Equity compensation events
Changes in family structure or legacy goals

When these pivotal moments arise, coordinated advice can help you evaluate your options before decisions are made, not only after the fact.

Connect with an EP Wealth Advisor

We welcome the opportunity to learn more about your goals and circumstances. Our financial advisors can walk you through how the dedicated team model works, what our planning process looks like, and how we may be able to support you and your family.

Contact an advisor to start the conversation.

DISCLOSURES:

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.
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.
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.
There is no guarantee that all the services detailed herein will be offered to a client. The services EPWA offers clients is dependent on the requirements of each client. In many instances, clients or prospective clients may not have a need for all or some of the services detailed.
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.
All investment strategies have the potential for profit or loss. Different types of investments and investment strategies involve varying degrees of risk, and there can be no assurance that any specific investment strategy will be suitable or profitable for a client’s portfolio. The risk of loss can never be eliminated even if working with a professional.
An estate plan is a helpful tool that can assist individuals in managing and arranging affairs in the event of death or incapacity. However, the scope and extent of the plan varies depending on the unique circumstances and desires of the individual client. It is for this reason, that the analysis encompassed herein is not intended to be comprehensive in nature nor should it be interpreted as legal advice. Please consult a legal professional to determine the extent, scope, and the drafting and creation of the appropriate estate documents. EP Wealth Advisors is not in the business of providing legal advice or preparing legal documents. Our review is limited to and in association with Financial Planning only.
Laws vary by state. The information presented herein is intended to be general in nature and may not apply to your state of domicile. Please consult local legal counsel to determine the best practices for your state.
Please consult with a CPA, tax professional, and/or attorney regarding your specific situation before implementing any of the strategies referenced directly or indirectly herein.

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