Viewpoints

Opinion: Planning for the ultra-wealthy demands a differentiated playbook

Andrew Cooper, Justyn Volesko / Feb 18, 2025
In this guest column, Cerity Partners Family Office co-heads Andrew Cooper and Justyn Volesko argue that financial planning for UHNW clients is more of an art than a science.
Ultra-high net worth (UHNW) families face a unique set of financial and personal intricacies which go far beyond wealth management for traditional mass affluent clients. From managing complex assets to preparing future generations for stewardship, planning for these individuals and families requires highly customized solutions that address the challenges they face with precision and care.
As the wealth landscape continues to evolve, planning for ultra-wealthy clients, which we define as those whose net worth is greater than $30m, is no longer just about growing assets. It’s about structuring their wealth in a way that aligns with their family values, simplifies complexities and anticipates future needs.

Wealth beyond investments

For UHNW families, financial success isn’t solely measured by portfolio returns. True wealth management encompasses estate structuring, tax planning, philanthropy and governance in an interconnected way that reflects the family’s broader vision.
Exceptional planning...
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