What High-Net-Worth Clients Really Need from Their Advisors
It’s More Than Just Tax Returns
When your net worth grows, so do the complexities around managing it. For high-net-worth individuals, traditional accounting services aren’t enough. You need a team that not only keeps you compliant but also brings strategic insight to the table—helping you preserve wealth, reduce risk, and plan for the future.
How we approach it differently.
Here’s a look at what truly matters when serving our high-net-worth clients—and how we approach it differently.
1. Holistic Wealth Coordination
Your finances don’t exist in a vacuum. We act as the central hub of your advisory team—collaborating with estate attorneys, investment managers, and insurance professionals. Whether it’s syncing tax strategies with investment plans or ensuring your trust documents reflect recent life changes, having one unified perspective is essential.
2. Proactive Tax Strategy
Our high-net-worth clients benefit from advanced tax strategies that go far beyond annual filing. We help minimize tax liabilities through approaches like:
Charitable giving through Donor-Advised Funds or private foundations.
Tax deferral strategies, including 1031 exchanges and opportunity zones.
Income shifting and trust structuring to optimize multi-generational planning.
And because tax law is always evolving, our proactive monitoring means you won’t get caught off guard.
3. Estate & Legacy Planning
Protecting your wealth for the next generation is one of the most important conversations we’ll have. Whether you're setting up irrevocable trusts, updating a will, or navigating gift exclusions, our team provides the financial foresight you need to ensure your wishes are carried out clearly—and tax efficiently.
4. Succession Planning for Business Owners
If you own a business, your succession plan is part of your personal wealth strategy. We guide clients through ownership transitions, whether that means passing the business to family, selling to a third party, or preparing for a merger. We’ll help you structure buy-sell agreements, assess valuation, and think through the tax implications of each option.
5. Lifestyle & Asset Advisory
Big decisions like buying a second home, purchasing a yacht, or investing in art collections come with unique financial considerations. Our advisory services include:
Evaluating ownership structures to protect luxury assets.
Ensuring tax compliance and reporting for high-value purchases.
Ongoing cost-benefit analysis on lifestyle investments.
Let’s Talk About Your Legacy
At LMJ CPAs, we’re more than just tax professionals—we’re long-term advisors invested in your success. Whether you’re thinking about estate planning, philanthropic giving, or business succession, we’re here to help you make the most of what you’ve built.
Let’s schedule a conversation today.