Our Approach
Life is full of transitions — and each one deserves clarity and confidence. Whether you’re preparing for a business sale, caring for a loved one, or shaping a multigenerational legacy, we help transform complexity into simplicity. Our approach frees you to focus on what matters most: living fully, giving generously, and enjoying the life you’ve built. From guiding global executives through cross-border retirement to helping families plan lifelong care with compassion, we design strategies that align wealth with purpose — so every decision feels effortless and every chapter begins with a plan in mind.
Our Services & Solutions
Our services are designed to meet the unique needs of these communities. For business owners and executives, we provide strategic guidance through liquidity events, ensuring exit strategies align with personal and philanthropic goals. Families navigating lifelong care benefit from multigenerational planning and special needs trust coordination, while family offices rely on us for governance frameworks and legacy planning. Rising accumulators gain tax-aware investment strategies and equity compensation guidance, and global executives and philanthropists turn to us for cross-border planning and impact-driven giving strategies. Whatever your path, we deliver solutions that empower you to live fully and give with purpose.
Coordinated strategies for investing, planning, and legacy — delivered through an Advanced Planning lens.
Your dedicated team focuses on understanding your needs and building strategies with investments and solutions aligned to your long‑term objectives.
Portfolio Management
Portfolio management is approached within the context of your full financial life, aligning investment decisions with planning priorities, liquidity needs, and long-term intentions as circumstances evolve.
- Development of an investment policy statement that reflects personal goals, risk considerations, time horizon, and broader life objectives
- Portfolio construction across traditional and alternative assets, with ongoing review of asset allocation, diversification, and concentrated positions
- Consideration of risk, leverage, and investment costs within the context of overall financial complexity
- Consolidated performance reporting and asset aggregation designed to support informed decision making as markets and life circumstances change
Financial Life Aggregation
Our client portal brings your financial life together in one secure, intuitive experience. Through digital aggregation of assets, accounts, relationships, and key documents, it provides a clear, accessible view designed to support clarity, coordination, and meaningful engagement over time.
- View account performance, quarterly statements, tax documents, and other key financial data in one place — with the ability to generate reports on the spot as information is needed
- A personalized, single sign on experience connecting your financial portals with enhanced security
- Share documents, receive alerts, engage in dialogue, track activities, ask questions, take notes, and upload materials — all designed to support clear, efficient communication
- A customized experience designed to surface relevant information, updates, and insights as priorities evolve
Cash Flow Planning
Cash flow planning supports both day to day living and long-term goals. Thoughtful coordination across income, distributions, and liquidity considerations helps decisions remain responsive and well sequenced as life and responsibilities change.
- Reviewing current and projected income across accounts and sources to provide clarity around ongoing needs and future planning
- Assessing liquidity requirements for regular expenses, planned transitions, and unforeseen events, including capital call tracking for private investments
- Integrating distribution strategies with broader tax planning considerations to support efficiency and long-term alignment
- Planning around stock options, non qualified plans, deferred compensation, and retirement income projections as part of a broader financial framework
- Evaluating borrowing and leverage choices in context to support flexibility and overall financial stability
Tax Planning
Tax planning is integrated into broader financial decision making rather than treated as a standalone exercise. Coordinated conversations help align investments, cash flow, and legacy decisions with awareness of tax impact over time.
- Coordinating planning discussions with tax advisors to consider tax implications across income sources and distribution strategies with a long-term perspective
- Evaluating concentrated holdings through a tax-sensitive lens to inform planning decisions over time
- Reviewing opportunities for tax-aware giving and capital gains planning as part of legacy and philanthropic goals
- Integrating equity awards and incentive compensation considerations into broader financial and tax planning discussions
- Re-evaluating strategies as tax laws, income levels, and life circumstances change to maintain alignment across the financial plan
Lifecycle Planning
Lifecycle Planning integrates a client's vision for life with evolving personal, professional, and financial priorities. By coordinating health, longevity, family, career, and philanthropic considerations alongside financial decisions, this approach supports protection, continuity, and purpose across generations as life evolves.
- Coordinating financial planning with personal aspirations, professional milestones, family priorities, and philanthropic interests
- Integrating planning for healthspan, lifestyle choices, and long-term care considerations as part of a forward-looking financial framework
- Supporting decisions around career shifts, business transitions, retirement planning, and changing family responsibilities with continuity and perspective
- Coordinating risk management, cash flow planning, and legacy considerations to help safeguard family well-being and wealth over time
- Connecting values, stewardship, and long-term intent to support continuity, clarity, and a lasting family legacy as life evolves
- Coordinating financial and lifestyle considerations for downsizing, assisted living, or retirement communities as care and support needs change
Philanthropic Planning
Philanthropic planning helps connect values and passions to meaningful action. Thoughtful conversations support giving strategies aligned with long-term legacy and financial considerations.
- Helping identify charitable intentions and areas of interest that reflect personal values, causes, and long-term purpose
- Evaluation of charitable vehicles and gifting approaches coordinated with tax and estate planning considerations
- Grant planning and ongoing guidance designed to help ensure giving strategies remain intentional and aligned as goals and circumstances evolve
- Integrating philanthropy into family and legacy conversations
Next Generation Planning
Next generation planning focuses on preparation, not just inheritance. By integrating education, communication, and financial context, families can support future decision makers with clarity and confidence.
- Thoughtful discussions around education funding strategies, aligned with family values and long-term financial priorities
- Supporting financial literacy and decision-making skills to help prepare future generations for responsibility and stewardship
- Facilitating family conversations and planning structures that promote trust, understanding, and alignment across generations
- Integrating career direction, life planning, and ongoing review of protection strategies as assets, roles, and responsibilities evolve
Asset Protection and Risk Management
Asset protection planning brings structure and awareness to risk. Coordinated conversations help align legal, insurance, and ownership considerations within the broader financial picture.
- Alignment of insurance planning with evolving personal, professional, and family responsibilities
- Ongoing assessment of legal entities, asset titling, and ownership structures within the broader financial picture
- Coordination with legal and insurance professionals to support informed, protective planning discussions
- Awareness of geographic and asset-based risks, with periodic review as assets, roles, and responsibilities change
Estate and Legacy Planning
Estate and legacy planning extends beyond documents. Thoughtful coordination supports clarity, continuity, and alignment between family intentions, charitable goals and long-term planning.
- Ongoing review of existing estate documents to ensure alignment with current goals, family dynamics, and planning priorities
- Reviewing beneficiary designations, titling, and transfer structures to support clarity and consistency across generations
- Facilitating conversations around values, stewardship, and long-term intent to help families plan beyond a single generation
- Coordinating planning around fiduciary roles, successor trustees, and estate settlement considerations to support continuity and preparedness
Professional Advisor Coordination
Professional advisor coordination strengthens the client experience. By aligning conversations across advisors, decisions are better informed, better timed, and more fully integrated.
- Review and coordination of estate plans, asset flow, and beneficiary considerations
- Multi generational planning conversations focused on clarity, education, and long-term intent
- Estate planning aligned with philanthropy, tax considerations, and family goals
Advanced Planning
Advanced Financial Planning is a structured, life‑centered approach that helps high‑ and ultra‑high‑net‑worth clients navigate complex financial decisions through investment alignment, integrated financial planning, and ongoing relationship support with a dedicated advisory team.
Building a Roadmap to Financial Wellness
Structure for complex financial lives: Advanced Financial Planning is delivered through a thoughtfully designed roadmap that brings clarity and coordination to interconnected financial decisions
Ten integrated planning pillars considered together: Investing, cash flow, tax planning, risk management, legacy, and long‑term priorities are addressed as part of a unified framework — not in isolation
Guidance that evolves as life does: Through ongoing dialogue and relationship continuity, the roadmap adapts over time — helping decisions remain aligned and supporting long‑term financial wellness
Plaza at Five Points
50 Central Avenue, Suite 930
Sarasota, FL 34236
Office: (941) 203-7200
Fax: (941) 296-8535
Toll free: (888) 584-9643
Legal & Privacy | Web Accessibility Policy
Form Client Relationship Summary ("Form CRS") is a brief summary of the brokerage and advisor services we offer.
HTA Client Relationship Summary
HTS Client Relationship Summary
Hightower Advisors, LLC is an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Securities offered through Hightower Securities, LLC, Member FINRA/SIPC. brokercheck.finra.org
©2026 Hightower Advisors. All Rights Reserved.
About Us
Our Team
Our Client Experience
Giving Back
Hightower Partnership
Who We Serve
Who We Serve
How We Work for You
Our Services & Solutions
Advanced Financial Planning
Financial Wellness Roadmap
Second Opinion Service
For Clients and Prospects
Professional Advisor Network