Cetera Ultra High Net Worth Team
Specialized guidance for owners preparing for liquidity events or business transitions
Transforming Business Value Into Generational Wealth
When wealth reaches a certain level, every decision shapes a legacy.
The Ultra High Net Worth (UHNW) Team works side by side with entrepreneurs, families, and business leaders to bring clarity and purpose to complex wealth decisions. With thoughtful coordination across estate, tax, and legal planning, each strategy is designed to protect what matters most and create lasting confidence for generations to come.
Expertise Beyond Traditional Wealth Management
Comprehensive Solutions for Complex Financial Lives
Our UHNW Team provides sophisticated planning and investment solutions tailored to the needs of affluent families, entrepreneurs, and corporate executives. Working alongside our internal experts and strategic partners, we help address every dimension of wealth—from growth and protection to transfer and legacy.
Tax-Focused Investment Strategies
Custom portfolio design emphasizing after-tax efficiency through direct indexing, separately managed accounts (SMAs), and private market access
Wealth Transfer & Estate Structuring
Creation of revocable and irrevocable trusts, family limited partnerships, and charitable entities to manage wealth transfer efficiently across generations
Business Planning & Exit Strategies
Strategic valuation, sale preparation, and succession solutions for founders transitioning from business ownership to liquidity and legacy
Family Risk & Insurance Planning
Life insurance, long-term care, and asset protection strategies designed to preserve wealth and mitigate generational risks
Charitable & Legacy Planning
Structuring charitable remainder trusts, family foundations, and donor-advised funds to align philanthropy with family values and tax advantages
Liquidity & Credit Access
Security-based lending, lines of credit, and structured financing through trusted banking partners for liquidity events and investment opportunities
Clarity for Complex Needs
Frequently Asked Questions About Our UHNW Services
What qualifies as an Ultra High Net Worth client?
Typically, owners or families with $10 million or more in investable assets, often including equity in privately held businesses or liquidity from a recent sale.
How are your services different from traditional wealth management?
Traditional wealth management focuses on portfolios. We focus on people, business owners, founders, and families navigating complex liquidity and transition events. Through coordinated valuation, sale, and tax strategies, each client is supported by a dedicated strategist and specialized partners to help ensure every decision builds toward long-term success.
Can you assist with a business sale or succession plan?
Yes. Our team helps assess valuation, design tax-efficient exit structures, coordinate buyer introductions, and manage liquidity before and after the sale.
The strategies described are complex and may not be suitable for all investors. They involve risks, costs, and legal/tax considerations. Private market investments and lending solutions can present illiquidity, leverage, and collateral risks. Past performance does not guarantee future results.