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A wealth plan holds the portfolio, the family, and the succession intentions in one place, and is written so that it can be revisited when any of the three changes.
A private client's portfolio sits next to a business, property, a family, and a set of intentions about how the money should be used during a lifetime and after it. Wealth planning starts from all of that. The portfolio is usually the easiest piece to change and rarely the piece that decides the outcome.
The questions are specific to each family. How involved the next generation should be, and from when. Whether a trust or holding company still reflects what the client wants, or only what was available when it was set up. How liquidity is found for a large purchase, a business sale, a divorce, or a death, without forcing a sale at the wrong moment.
Succession is the most consequential part of this work and the easiest to defer. We raise it early and return to it, because a transition planned over years looks nothing like one triggered by an event. Documents, roles, and expectations all take time to settle, and the conversations are usually harder than the structuring.
Who makes which decisions, and how the next generation is brought into them.
Trusts and holding companies that match what a family wants, reviewed when that changes.
Moving wealth and responsibility on terms the family chose, well before the handover is forced.