Financial Advisors for Ultra High Net Worth Individuals
Ultra-high-net-worth individuals (UHNWIs)—those with $30 million or more in investable assets—require a level of financial guidance beyond traditional advising. This guide breaks down the key services, options, and considerations when choosing a wealth advisor, multi-family office, or private firm to manage complex wealth, preserve legacies, and streamline financial operations across generations.
Need to outsource something else? Search for proactivefractional CFOandaccountantson Sam’s List too. Make sure to check the reviews, it’s one of the most important parts of your vetting process!
Need to outsource something else? Search for proactivefractional CFOandaccountantson Sam’s List too. Make sure to check the reviews, it’s one of the most important parts of your vetting process!
Financial Advisors
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What Does a Financial Advisor for Ultra-High-Net-Worth Individuals Do?
A financial advisor for ultra-high-net-worth individuals (UHNWIs) helps manage complex wealth—typically $30 million or more in investable assets. These advisors go beyond standard financial planning and provide:
Private investment access (e.g., hedge funds, private equity, real estate syndications)
Advanced tax strategies (minimizing estate and income taxes across jurisdictions)
Estate and trust planning (including charitable foundations and generational transfer)
Multi-family or single-family office coordination
Confidential, concierge-style support tailored to your lifestyle and legacy goals
They also coordinate with attorneys, CPAs, and other specialists to deliver fully integrated wealth management.
Private investment access (e.g., hedge funds, private equity, real estate syndications)
Advanced tax strategies (minimizing estate and income taxes across jurisdictions)
Estate and trust planning (including charitable foundations and generational transfer)
Multi-family or single-family office coordination
Confidential, concierge-style support tailored to your lifestyle and legacy goals
They also coordinate with attorneys, CPAs, and other specialists to deliver fully integrated wealth management.
FrequentlyAsked Questions
What qualifies as ultra-high-net-worth?
A UHNWI is typically someone with $30 million or more in investable assets—not including personal residences. This wealth level demands advanced financial coordination, not just investment advice.
Do ultra-high-net-worth individuals need a financial advisor?
Yes. Most UHNWIs work with wealth managers or family offices due to their complex holdings, legal needs, global assets, and desire for legacy planning.
Should I build a family office or use a wealth firm?
$30M–$100M: Wealth firm or multi-family office (MFO) $100M–$500M+: Consider a single family office (SFO)
Choose based on complexity, privacy needs, and desired control.
Choose based on complexity, privacy needs, and desired control.
What investments do UHNW advisors offer access to?
Hedge funds Private equity and venture capital
Direct real estate deals
Private credit
Structured notes
Philanthropic vehicles
Direct real estate deals
Private credit
Structured notes
Philanthropic vehicles
What’s the best structure to manage generational wealth?
A family office (SFO or MFO) combined with a trust and estate attorney is often best for intergenerational education, asset protection, and succession planning.
Not sure who’s right for you as an ultra high net worth individual? Answer a few quick questions, and we’ll introduce you to someone who fits.
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