Tax
Federal + State + Entity
AMT, NIIT, QBI, surtax brackets, state nonresident filings, entity-level S-corp/PTET elections — modeled together each year.
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High Net Worth Financial Planning, Coordinated Across Every Discipline That Touches Your Wealth.
Once a household reaches meaningful net worth, complexity stops being linear — it compounds. Coordinated planning addresses tax, estate, concentrated positions, business equity, asset protection, and generational transfer as one connected system.
What Is High-Net-Worth Financial Planning?
High-net-worth (HNW) financial planning is coordinated planning for households where the complexity of the balance sheet — not just its size — requires more than mainstream retirement-and-investment advice. Industry convention places HNW at $1M+ in investable assets, very high net worth at $5M–$30M, and ultra-high-net-worth above $30M. The numbers are conventions; the real marker is complexity.
That complexity usually shows up as concentrated stock or RSU positions, business equity, multiple entities, real-estate holdings, irrevocable trusts, charitable structures, state estate-tax exposure, and goals that extend beyond a single generation. Every one of those items interacts with at least three others. A change to one — say, exercising ISOs in a given year — ripples through capital gains, AMT, Roth-conversion room, 529 superfunding, charitable timing, and estate exemption use.
The job of HNW planning is to model those interactions in advance and make decisions on purpose, not by default. That's only possible when one planner sees the whole picture.
Who It's For
Who This Is For
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Households with $1M–$25M+ in net worth and meaningful balance-sheet complexity
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Executives with concentrated employer stock, RSUs, ISOs/NSOs, or deferred comp
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Business owners with operating-company equity, real estate, and personal investments
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Families with Maryland, DC, or Virginia estate-tax exposure below the federal threshold
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Pre-retirees converting concentrated wealth into tax-efficient lifetime income
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Multi-generational families coordinating trusts, gifting, and family-bank structures
The Coordinated Approach
Where HNW Planning Coordinates
At HNW levels, the value of coordinated planning isn't theoretical — it shows up in real dollars every year, across every one of the disciplines below.
Estate
Federal + State + Trusts
Federal exemption use, Maryland estate + inheritance tax, ILITs, GRATs, SLATs, dynasty trusts, and beneficiary form alignment.
Concentrated Stock
RSUs, ISOs, Public Equity
Diversification plans, charitable timing, exchange funds, direct indexing, 10b5-1 plans, and AMT-aware exercise schedules.
Business Equity
QSBS, Sale Planning
Section 1202 QSBS, F-reorgs, ESOPs, installment sales, and 3-to-5-year pre-sale planning to compress effective tax.
Charitable
DAFs, CRTs, Foundations
Bunching, donor-advised funds, charitable remainder trusts, private foundations — matched to income spikes and exit events.
Family Governance
Beyond Generation Two
Family-bank structures, investment policy statements for trusts, and education plans that keep heirs prepared, not just funded.
Our Process
Our HNW Planning Process
1
Discovery Call
30 minutes. We learn the situation and you learn whether coordinated planning fits your complexity.
2
Document Review
Tax returns, estate documents, beneficiary forms, entity records, equity-comp agreements, trust documents.
3
Coordinated Strategy
Multi-year tax model, estate map, equity-comp plan, and a prioritized list of moves.
4
Implementation + Annual Review
We coordinate with your CPA, attorney, and custodian and re-run the plan each year and after life events.
Free Guide
The Coordinated Wealth Blueprint
7 costly financial planning mistakes affluent families make — covering tax planning, estate planning, retirement, asset protection, trusts, business succession, and generational wealth transfer.
Serving the DMV & Nationwide
HNW Planning for the DMV and Beyond
The Washington-Baltimore corridor has one of the country's densest concentrations of high-net-worth households — federal executives, physicians, defense and tech contractors, attorneys, government affairs professionals, and second-and-third-generation business owners. Maryland's state estate-tax exemption ($5M) and inheritance tax make state-level planning unusually consequential here. DC has its own estate-tax regime; Virginia does not. We coordinate all three.
For clients outside the DMV, we operate virtually with the same planning depth — secure document exchange, video planning meetings, and an annual in-person meeting available in Bowie.
Frequently Asked Questions
High Net Worth — Common Questions
Coordinated Disciplines
Related Planning Areas
The Legacy Wealth Brief
One high-impact wealth strategy, delivered every week.
Insights on tax planning, estate planning, retirement income, business ownership, and generational wealth.
Complexity Compounds. Coordination Should Too.
Schedule a complimentary 30-minute conversation. We'll review what's in place and identify the two or three changes that would matter most.