Planning and Advisory for High-Net-Worth Families
Wealth and Legacy Planning for Families with Complex Financial Lives
High-net-worth families often face planning questions that extend well beyond traditional financial advice. You may be preparing for a liquidity event, trying to reduce unnecessary tax exposure, or thinking more carefully about how wealth will support future generations.
Erben Associates helps you address those issues through a more thoughtful planning process that connects family priorities, estate planning, insurance needs, business interests, and long-term wealth transfer into a clearer path forward.
Significant wealth deserves more than isolated advice. It requires thoughtful coordination around the people, values, and future that wealth is meant to protect.
You may be a strong fit for Erben Associates if your family has a household net worth of at least $10 million and is beginning to ask questions such as:
- How do we protect what we have built?
- How do we manage tax exposure across different areas of our financial life?
- How do we protect a spouse, children, grandchildren, or future generations?
- How should insurance, estate planning, and wealth transfer strategies work together?
- How do we prepare family members for the responsibilities that come with wealth?
- How do we make sure our planning reflects our values?
- How do we coordinate the attorneys, accountants, trustees, and other advisors involved in our financial life?
Erben Associates helps families bring order to complex personal wealth decisions. The firm’s role is not limited to a single product, document, or transaction. Instead, Erben Associates helps people understand how different planning components fit together and where additional structure may be needed.
This may include coordination around personal wealth planning, legacy planning, estate planning considerations, tax management strategies, insurance solutions, liquidity planning, wealth transfer, family priorities, business-related wealth considerations, and collaboration with attorneys, accountants, and other advisors.
For families with significant wealth, the goal is not simply to accumulate more. It is to protect what has been built, reduce avoidable risk, and create a plan that supports the people, values, and future that matter most.
Effective wealth planning considers more than the individual who created or controls the wealth. It should also account for the spouse, children, grandchildren, key executives, business partners, trustees, attorneys, accountants, and other people who may be affected by the decisions being made.
That is why Erben Associates approaches planning as a family-centered process. Wealth touches long-term security, family dynamics, charitable intent, business continuity, and the legacy a family wants to leave behind.
The right plan should account not only for assets, but also for the people who may one day depend on, inherit, manage, or be responsible for those assets.
Erben Associates is best suited for families who recognize that meaningful planning requires more than a one-time conversation. The firm works well with people who value expertise, are willing to engage in the process, and want a thoughtful plan that aligns with their objectives.
A strong fit is not defined by wealth alone. It is defined by a family’s desire to be intentional with that wealth, protect what has been built, and make decisions with clarity and care.