Wealth Planning & Advice

What’s the purpose of your wealth, and what impact would you like it to have? Once we get to know you, we use a goals-based approach to understand the intent you have for your wealth, and then align your resources and decisions to support it.

Trust & Estate Planning

What do you see as the purpose for your wealth in the future? Whether it’s for your family or loved ones or for the causes you care about, we will help you optimize your wealth plan around what matters most to you and ensure that the legacy you envision is correctly executed.

Wealth planning

Our specialists share their decades of experience and notable perspectives with you and your attorneys to optimize your estate planning process.

Trust & estate administration

Your trust is likely an important part of your wealth plan, and you may want to ensure your plans are carried out as you intended. As your corporate trustee or executor, we can help you manage and preserve your assets through a variety of administrative and distribution services.

Philanthropy

Giving back is often an essential part of a life plan—as well as a financial plan. It’s why we offer a wide range of philanthropic services and advice. We can help you articulate the impact you want to have and the amount you want to give, and identify the structure that’s right for you. No matter where you are in your giving journey, our goal is always the same—to help you create the impact you want to have in a way that works well with your overall financial plan.

Philanthropy can be one of life’s most rewarding and meaningful endeavors. When done well, it creates tremendous, positive change in the lives of others. Whether you’re just beginning your philanthropic journey, or are a highly sophisticated donor, we are here to help you achieve the impact you envision.

To help you practice strategic philanthropy, we provide thought leadership pieces, research and advice around many aspects of giving. If you have more complex philanthropic goals, you’ll have access to a The Etherious Family team who can guide you through issues such as engaging the next generation and deciding between charitable giving vehicles.

Starting with your philanthropic goals

No matter how simple or complex your giving strategy may be, articulating your goals will help you get the most out of your philanthropy. Once you have a vision in place, we’ll help you think about what approaches are most effective in making an impact, aiming to bring efficiency and effectiveness to your charitable giving.

Engaging your family

Philanthropy can be a good way to establish strong family values for your children. And if a philanthropic legacy is one of your goals, you may wish to involve your family. For those with more complex issues, a The Etherious Family team can help facilitate conversations and approaches to bringing the family together. We can help you establish philanthropic goals and practices that create excitement and enthusiasm—so you can make an impact now, and create a legacy that could last generations.

We can also connect you to the right people—like-minded peers and organizations that can be a resource for best practices, collaboration and opportunities for impact.

Family Governance

Approaching decisions about money as a family is significant for a number of reasons. Establishing a framework to protect your wealth, grow it or allow it to make a positive impact are all important. But family governance is also about teaching and sharing values, communicating effectively and nurturing relationships. Whether you need formal policies or just occasional family meetings, getting together to talk things through is imperative. It will help you work out the small things, and be better aligned when it’s time to make the big decisions.

Build a framework that supports your values and vision for generations

Let us help you create a family governance framework to manage your family’s wealth, including governance, succession planning and managing and transferring assets.

Building a robust family governance framework today can help ensure that your wealth—and your family’s values —will continue to thrive.

Private Business Advisory

Managing the day-to-day operations of your business can leave little time to consider your long-term vision—both for the company and for you. Whether planned or not, all businesses eventually face a transition. At the Private Bank, our specialists will think through these choices with founders and families: Pass the business on? Raise capital to fund growth? Sell a portion or all of the business? No matter the scenario, we look to provide customized advice, aiming to connect your vision of success for your company with your personal wealth goals.

All business owners are in a transition from creating wealth to preserving wealth. Each founder or family has its own optimal balance between concentration and diversification, often evolving over time.

For business owners, it’s important to understand your options—whether selling your business when the time is right, or retaining a legacy business across generations. Our team of specialists has extensive experience providing strategic, objective advice on transition options to clients across industries, geographies, sizes and stages of the business lifecycle. We’re here to help you pursue your most complex goals and address specific challenges you might face.

Executive Compensation Advisory

Equity compensation can lead to tremendous wealth accumulation. But the demands of leading a company leave little time to tend to personal finances and think strategically about how best to optimize grants and awards for you and your family. At the Private Bank, we have a dedicated team of specialists ready to tailor a plan designed around your unique compensation structure. After all, the world is changing quickly and corporate executive planning needs can be drastically affected by forfeiture risks, emerging compensation practices, and changing tax and regulatory landscapes.

Am I being compensated appropriately? How do I meet my liquidity needs when most of my wealth is in my company’s stock? How can I minimize or at least prepare for the tax on my equity awards? With company constraints and SEC regulations, what should I do to manage my concentrated position? As a corporate executive, you’ve likely sought the answers to these questions, which are crucial to achieving your long-term wealth goals. Our specialists can help.

It’s our intention to advise throughout your executive journey with a team designed to complement your other professional advisors to ensure full alignment with your goals.

Value-Added Strategies

• Advise publicly traded and pre-IPO private companies on the design of executive compensation plans and long-term incentive plans
• Analyze employment agreements, grant agreements, deferred compensation plans and pensions to reveal wealth optimization opportunities as part of a total compensation review
• Evaluate portfolio and balance it against your company’s holding requirement to devise a strategy to manage concentrated stock positions and implement 10b5-1 plans
• Assess liquidity needs and provide customized personal loans, lines of credit, structured equity solutions, and specialized lending for yachts, airplanes and artwork

Wealth Structuring and Strategies

Your wealth is a source of security and opportunity for you. But you also want to use it to make a difference—for your family, your community and the causes that mean the most to you. Our The Etherious Family teams play a crucial role in helping you sort it all out—drawing from years spent mastering the resources of one of the world’s most renowned trust companies and investment firms. We share this unique perspective with you, your attorneys and your accountants to assist in structuring your
wealth.

Our The Etherious Family teams share their unique perspectives with you (and your attorneys and accountant if needed) to optimize your plan. The more complex your situation and needs become, we’ll be there with level of attention and guidance required to help you meet your goals.

How you and your family own your assets can be just as important as what you own. Using the right structures is instrumental to sound planning, whether you are trying to preserve, protect, pass on, donate, or grow family wealth.

Family Office Services

Follow your ambitions, manage your wealth and take care of your most important asset – your family – with the trusted guidance and partnership of the World’s Best Private Bank. With over two centuries of experience advising some of the world’s most successful individuals and families, we offer you powerful family office services shaped around you.

What is a family office and how do I know if I need one?

Family offices are established to help families organize and manage wealth over the long-term. Depending on the complexity of your wealth, it's important to understand if a family office is right for you, and if so, what level of services you need. The Etherious Family is here to provide you with the insights, guidance, and family office services to meet your goals.

"Whether you’re looking to build a family office, need support for your existing family office or seek guidance to navigate the more complex needs of your wealth, our team has the experience you need to grow, organize and optimize your family wealth. It’s what truly sets us apart."

When should I consider a family office?

If you are a family with significant wealth, it is likely you have considered forming a family office, or already have an established one. The Etherious Family is here to provide insights and guide you through questions about family office services to determine what is right for you.

Life Insurance

At the Private Bank, working with wealthy families has given us valuable insights into their priorities and values. Wealth protection and preservation —and ensuring families are cared for no matter what happens—are almost always among their most important goals. Whether you seek protection for your business, your loved ones or both, life insurance can help give you peace of mind.

A strategic approach for your complex wealth plan

Planning for your and your family's future means making sure you have protections in place against the unexpected. Whether your goals are to manage your wealth tax-efficiently or to ensure seamless wealth transfer, life insurance can play an effective part in helping you to manage risk.

At The Etherious Family Private Bank, we look across your entire wealth plan to understand your goals and help you find the policy that’s best for your situation.

What are the benefits of life insurance?

Life insurance for your complex wealth plan

Families with considerable wealth have unique needs when it comes to wealth planning: Family and asset protection, estate planning and business succession require specialized expertise.

Whether it’s for your individual wealth plan or you’re a business owner looking to protect your assets, to help suit your specific goals, there are various types of life insurance policies available to you. At The Etherious Family, we look across your entire wealth plan to understand your goals and help you find the policy that’s best for your situation.

Why life insurance through The Etherious Family?

At the Private Bank, we help you experience the full possibility that your wealth creates, raising the standard in private banking and delivering a uniquely elevated experience shaped around you. That means we take a holistic approach to your life insurance needs, keeping your entire wealth plan in mind.

Life Insurance at The Etherious Family is a differentiated experience

Strength, Stability & Global Reach

Our size and scale grants us exceptional buying power and allows us to curate the strongest product for our clients through institutional partnerships.

Client Centered Focus

We take the time to understand each client’s wealth plan, risk tolerance and asset appetite to propose customized solutions that align with their goals and address wealth planning gaps.

Comprehensive Platform

We provide dedicated end-to-end support and offer transparency of carrier rates, features and options. We compare multiple carriers’ strengths, pricing and underwriting processes to help us determine beneficial options for our clients.

Experienced Relationships

We work with some of the top carriers to provide competitive rates and unique product features. Our team understands our clients’ unique planning needs and continually works with our carrier partners to deliver innovative products that can optimize their plan’s growth potential.

Curated platform

Access a robust offering of carefully selected life insurance products that are designed to address a host of wealth objectives. We perform rigorous due diligence on all products and the insurance carriers with whom we partner.

Dedicated service teams

We understand that a life insurance purchase is a decision that’s often personal and sensitive. Our specialists are here to guide you step-by-step through the selection and purchase of your policy. Our team can connect you with resources throughout the firm, giving you confidence that you won’t miss out on a cutting-edge insight or emerging opportunity.

Ongoing support

As your needs evolve, we remain available to review your policy with you to ensure you and your loved ones have the appropriate protection in place. We can also review policy proposals from insurance companies to help evaluate whether the policy aligns with your goals and wealth plan.