Thought Leadership Resource Center
John Sleeting, Katie Berganske and James Chapman of Clearwater Capital Partners join this episode of Alliance Talks to discuss how they utilized the Alliance Voice of the Client Survey. Hear about insights gained from the survey and how their firm is applying feedback from their clients.
This piece will focus on consolidated reporting and technology for managing family wealth. Across every level of wealth, it is important to have continuous insight on the immediate financial picture of the family. As the scale and complexity of wealth increases, so does the need for the ability to observe the totality of the balance sheet. Similar to an air traffic controller, it is imperative that a family office team have the ability to monitor each element of the assets and liabilities of the families they serve.
Read MoreIn 2017 we shared with readers An Intro to Family Offices in which we outlined the regulatory evolution and Securities and Exchange Commission (SEC) definition of a Family Office. Further, we referenced Dr. Kirby Rosplock’s book The Complete Family Office Handbook as she noted Family Offices are “designed to prepare family members to collectively manage, sustain, and grow their wealth across multiple generations”. We closed with a reminder that a families’ Human, Intellectual and Social Capital reflect the hopes, aspirations, and purpose of a Family while the Office helps to organize and manage the tools, financial and legal, to sustain the family and achieve their objectives.
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In 2020, Presidential Candidate Joe Biden and Senator Bernie Sanders teamed up for the Biden-Sanders Unity Task Force with Recommendations for Combating the Climate Crisis and pursuing Environmental Justice. This 110-page document outlined many platform considerations, including their like-mindedness on Estate Taxes.
On Thursday, March 25th Senator Bernie Sanders officially released his proposed estate and gift tax reform legislation. This 18 page bill contains major changes to current legislation that would have serious implications for many of the families that work with Clearwater Capital.
The effective date of multiple sections of the proposed legislation is upon enactment; therefore, now is the time to consider how these changes may affect you and future generations.
College planning and high net worth families typically aren’t two topics combined in the same writing. Most families in this category plan to either pay tuition costs from current assets they have already accumulated or to simply pay it out of current cash flow. However, there may be situations where families are paying more than they need to and may be ill advised to forgo the college planning process all together. There are various strategies that all families should take for college planning regardless of the size of their balance sheet. This post will focus on 5 considerations for college planning for HNW families:
Read MoreAs outlined in our 2017 ‘Intro to Family Offices’, we highlighted the intentionality of structure which families bring to develop their Capital. In particular we shared that a family’s wealth, and thereby risk management, should be viewed across a wide array of Capital considerations and approached with respective thoughtfulness.
Read MoreAs outlined in our 2017 ‘Intro to Family Offices’, we highlighted the intentionality of structure which families bring to develop their Capital. In particular we shared that a family’s wealth, and thereby risk management, should be viewed across a wide array of Capital considerations and approached with respective intentionality.
Read MoreThe concept of a “Family Office” is somewhat mysterious and ill-defined by many individuals, service providers, and investment professionals alike. I recently participated on a panel discussion at a Family Office Conference in Chicago where our segment was primarily focused upon the range of service models Ultra-High Net Worth (UHNW) families (broadly defined as households with net assets in excess of $30 Million) may choose to employ. The balance of this paper strives to develop a baseline understanding of the “Family Office” space.
Read MoreDisclosures:
THIS COMMENTARY HAS BEEN PREPARED BY CLEARWATER CAPITAL PARTNERS. THE OPINIONS VOICED IN THIS MATERIAL ARE FOR GENERAL INFORMATION ONLY AND ARE NOT INTENDED TO PROVIDE OR BE CONSTRUED AS PROVIDING LEGAL, ACCOUNTING, OR SPECIFIC INVESTMENT ADVICE OR RECOMMENDATIONS FOR ANY INDIVIDUAL. ALL ECONOMIC DATA IS DERIVED FROM PUBLIC SOURCES BELIEVED TO BE RELIABLE. TO DETERMINE WHICH INVESTMENTS MAY BE APPROPRIATE FOR YOU, PLEASE CONSULT WITH US PRIOR TO INVESTING. INVESTING INVOLVES RISK WHICH MAY INCLUDE LOSS OF PRINCIPAL. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities, insurance products, or to adopt any investment strategy. The opinions expressed are as of the date of writing and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Clearwater Capital Partners to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investment involves risks. International investing involves additional risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments. Index performance is shown for illustrative purposes only. You cannot invest directly in an index. S&P 500 is a registered trademark of Standard & Poor’s Financial Services, a division of S&P Global (“S&P”) DOW JONES, DJ, DJIA and DOW JONES INDUSTRIAL AVERAGE are registered trademarks of Dow Jones Trademark Holdings (“Dow Jones”). The two main risks related to fixed-income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
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