Comprehensive Services for Affluent Families
Welcome to Everest, where we specialize in providing tailored financial services for affluent families with investable assets exceeding $2 Million. Our offerings are designed to address the unique needs and aspirations of affluent families ensuring their financial goals are met with precision and expertise.
Balance Sheet Advice
Let us review your entire balance sheet and provide personalized recommendations on structuring your investments. We'll identify any inefficiencies, tax implications, and opportunities for growth, helping you to maximize your wealth.
Partnership Approach
For related areas like insurance, estate planning and taxation we've partnered with a select group of trustworthy, skilled, and cost-effective firms to deliver our services.
Experience the Everest difference and unlock the full potential of your wealth. Contact us today to learn more about how we can help you achieve your financial objectives.
How We Do It
We achieve client objectives through a combination of Planning, Portfolios and Process.
- Planning entails a detailed analysis of the family’s balance sheet in conjunction with their financial objectives. A balance sheet review identifies areas of improvement on many fronts – inefficiencies in investments, goal based portfolio construction for higher compounding, tax saving opportunities and holistic risk mitigation for the family.
- Portfolio improvements come from the use of private market investments, superior portfolio construction using public and private market investments.
- Process improvements come from continual tax mitigation, disciplined allocation and rebalancing and continual deployment of new savings. More details are provided below.
Private Investments
While most people are familiar with public market investments in stocks and bonds, few are aware of the opportunities available in private markets. Private companies range from small neighborhood businesses to global brands like Bose and Subway. Like their public peers, these companies have financing needs that are met with either debt or equity issuance. Private asset managers offer investors the opportunity to participate in these areas and expand the opportunity set along with portfolio diversification.
Private Real Estate: Most of the commercial real estate is privately held and offers income generation possibilities. This income is often treated as return of capital and is thus shielded from ordinary income taxes. Commercial real estate spans the gamut from apartment buildings, office spaces, industrial warehouses, retail centers as well as life sciences facilities. Funds investing in this segment allow investors to participate in real estate without the headaches of being an active landlord.
Private Credit: Borrowing needs of small and mid-sized companies results in attractive investment opportunities for investors via private credit funds. This is a growing asset
class as regulatory changes have shifted such investments away from banks.
Private Equity and Venture Capital: By investing in the equity of private companies, including those funded by venture capital, investors can benefit from the higher return potential offered by these riskier companies.
Advanced Tax Strategies
These strategies include:
Tax deferral: Controls the timing of your taxable income, and seeks taxation during years when rates are lowest
Tax-free earnings and growth: Takes advantage of vehicles that allow your money to grow tax-free
Tax mitigation: Maximizes deductions and leverages options like tax-loss harvesting to lower capital gains
Tax credits: Utilizes tools such as Qualified Opportunity Zones (QOZs) and philanthropic investments to benefit the community and preserve your wealth
Estate tax mitigation: Moves money out of your taxable estate into Irrevocable Life Insurance Trusts (ILITs) and other vehicles
