
How Can We Help?
Strategies for High-Net-Worth Individuals & Families
Families with substantial wealth face unique challenges to protect and preserve their assets across multiple generations.
At Granite Harbor, our team of experts understanding these complexities and will work with you to develop a personalized strategy that addresses your comprehensive goals and concerns. With a diverse range of private equity and private insurance solutions along with a rigorous due diligence process, we provide distinctive opportunities to achieve more advantageous outcomes than traditionally available to most investors. Plus, we take a proactive and ongoing partnership approach to collaborating with CPAs and attorneys to optimize total wealth and free up your time to focus on what matters most to you.
Sophisticated Financial Planning & Asset Management Services
We provide a wide range of knowledgeable support unique to high-net-worth individuals & families to address every aspect of your wealth—now and for future generations, including:
Cash Flow & Savings:
Tax Planning:
Risk Management & Insurance:
Estate Planning & Wealth Transfer:
Asset Allocation:
Business Succession Planning:
Corporate Benefits Planning:
Retirement Planning:
Tax & Legal Coordination:
Resources for High-Net-Worth Individuals & Families
Hand picked resources to help High-Net-Worth Individuals & Families


Secure Your Business Legacy: The Power of Buy-Sell Agreement Planning for Business Owners

Understanding Your Retirement Benefits: Things to consider as a BP Executive Preparing to Retire

The Ultimate Guide to Private Market Investing

The Clock is Ticking: Why Accredited Investors are Taking Advantage of Private Placement Life Insurance (PPLI)

Benefits of Private Placement Life Insurance (PPLI) for the Ultra-Affluent

How and Why Wealthy Families Use Life Insurance

Taxes in Retirement
FAQ
You have questions, we have answers...
A: Look for an independent, fiduciary firm with a proven track record of success working with high-net-worth families. Their team of advisors should have deep experience in complex wealth management and be committed to developing personalized strategies for each client. As part of their asset management solutions, providing access to a range of both public and private equity as well as private life insurance can provide distinctive advantages for diversification, fee efficiencies and growth opportunities for your wealth.
Choosing a firm that takes a proactive role in initiating and maintaining alignment with your CPA and attorney for a comprehensive wealth management plan is also important.
A: A comprehensive estate and tax plan is essential for protecting your family's wealth and minimizing taxes. With constantly changing tax laws and legislation, along with your evolving needs and assets, this requires open, proactive conversations with your wealth management team, often including a wealth management advisor, attorney and CPA.
Life insurance can also provide distinctive advantages as a tool to support tax and legacy goals, providing a tax shelter for wealthy families and supporting wealth accumulation, leverage and liquidity goals. Working with a specialized firm that understands how to properly design and fund policies for your advanced planning needs is essential and requires ongoing review and alignment.
A: High-net-worth individuals often have robust philanthropic ambitions and may need help structuring their giving to maximize impact and tax advantages. A knowledgeable financial firm can help you consider top charitable giving strategies, such as:
- Direct Giving and Qualified Charitable Distributions (QCDs): Direct giving is the simplest way to gift to charity. It involves writing a check to a qualified 501(c)(3) organization, donating non-cash assets, or listing a charity as a designated beneficiary for specific assets
- Charitable Remainder Trusts (CRTs) and Charitable Lead Trusts (CLTs): For those wanting to distribute money to charity on an ongoing basis, either Charitable Remainder Trusts (CRTs) or Charitable Lead Trusts (CLTs) provide added infrastructure that can potentially reduce income and estate taxes and protect assets
- Donor-advised funds: Donor-advised funds allow you to make charitable contributions tax-free and invest the money until you are ready to donate it to specific charities.
- Charitable foundations: Charitable foundations offer more control over your giving, but they also require more paperwork and administrative overhead.
Ready to optimize your wealth?
Take the first step towards financial success by scheduling a 30-minute introductory call with us today.