High-Net-Worth Financial Planning and Wealth Management
Providing fiduciary financial services uniquely designed to meet your needs.
We understand that substantial wealth requires a highly customized approach. High‑net‑worth individuals often face complex financial decisions around concentrated stock positions, illiquid business interests, multi‑jurisdiction tax issues and multi‑generational wealth transfer. Our high-net-worth financial advisors specialize in wealth preservation, risk management, strategic tax planning and access to alternative investments. From asset and portfolio management to legacy and estate planning, our personalized approach to high-net-worth wealth management helps ensure your financial plan, risk management strategy and tax strategy are tailored to maximize, preserve and transfer your wealth.
What High-Net-Worth Financial Planning Really Means
At Creative Planning, we understand the distinctive financial challenges high-net-worth individuals face, including multi-generational wealth transfer, strategic asset allocation, family office support and advanced estate planning — as well as wealth preservation, asset protection and legacy planning. Standard plans often fall short for those with more wealth, more entities and more moving parts.
To solve for this, we take a planning-led approach, building a custom financial plan that coordinates investment management, retirement planning, tax planning, estate and trust strategies, risk management, and business planning around your specific financial goals. This commitment to your individual needs helps us advocate for what's most important to you, delivering wealth management for high‑net‑worth individuals that’s designed for your entire financial life.
Services for All Elements of Your Financial Life
~$700B
In combined assets under management or advisement by Creative Planning and its affiliates as of December 31, 2025*
3,400+
Clients with more than $5M in assets under management
50
States served nationwide
Personalized Asset and Portfolio Management
Each high-net-worth client deserves an investment strategy designed for their unique goals, level of complexity and priorities. Creative Planning doesn’t rely on preset allocations. We focus on portfolio diversification and dynamic asset allocation in our personalized asset and portfolio management strategies to balance growth with risk management, including evaluation of private market and alternative investment opportunities.
Our teams:
- Design strategic asset allocations across global equities, fixed income, cash and alternative investments
- Pay close attention to liquidity so that you maintain sufficient liquid assets for spending needs, opportunistic investments and contingency planning
- Help diversify concentrated stock or business positions using staged sales, hedging, charitable strategies and other customized approaches
- Coordinate investment strategy with your broader tax, estate and business planning
Public and Private Investments
Your custom portfolio will include a mix of public and private investments to provide growth opportunities while managing risk. Due to our size and negotiating power, Creative Planning is uniquely positioned to provide access to what we believe to be top-tier investments at exclusive pricing. We include options such as real estate, private equity and private credit to further diversify portfolios and pursue substantial growth, where appropriate for your risk profile and time horizon. We're highly selective of the firms we work with, only choosing those with significant experience and consistent results for high-net-worth and ultra-high-net-worth individuals.
Creating a Legacy
High-net-worth financial planning goes beyond managing today’s assets and looks to ensure your wealth supports the people and causes you care about for years to come. Creative Planning designs comprehensive strategies for wealth transfer and legacy and estate planning, including:
- Trust and estate structures tailored to your family, business and charitable goals
- Strategies for gifting to family, including multi‑generational wealth transfer and education funding
- Family governance frameworks that clarify decision‑making and help prepare heirs for future responsibilities
- Succession planning for family businesses and closely held entities
We also help minimize your tax exposure by exploring the tax-efficiency of asset location, charitable giving and estate tax strategies, with the goal of protecting your family’s wealth while passing down your values and leaving a lasting legacy.
Planning for Both Personal and Business Goals
For many affluent families and individuals, high-net-worth financial planning involves more than investment management. Protecting what you’ve built is vital too. Our advisors partner with you for:
- Business planning and succession strategies
- Liquidity events and exit planning for founders and partners
- Retirement planning that integrates business value, pensions, deferred compensation and other complex benefits
- Coordination of personal and business balance sheets, including entity structures, lending and cash‑flow planning
A Fiduciary for Your Best Interests
We serve as fiduciaries at all times in our relationship. That means our goals are always aligned with yours, and we make decisions based on your needs only. We:
- Are an independent, private wealth management firm
- Aren’t tied to a family of funds or other proprietary investment products
- Will only make recommendations that align with your financial goals and risk tolerance
- Provide transparent fees based on assets under management so that you know how we are compensated
Why Work With Creative Planning
Picking the right partner for high-net-worth wealth management means working with a firm that simplifies complexity while acting in your best interests. Creative Planning’s fiduciary advisors provide independent guidance bolstered by our multidisciplinary team in financial planning, investment management, tax, law, estate planning and family office services that includes CERTIFIED FINANCIAL PLANNER® professionals, Certified Public Accountants, estate planning attorneys and more.
Our planning‑led model helps you:
- Coordinate investment management, retirement planning, tax strategy and risk management under one team
- Access advanced services more commonly associated with family office support, when appropriate for your level of wealth and complexity
- Adjust your plan as markets, tax laws and your personal situation evolve over time
Frequently Asked Questions
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Creative Planning has advisors in just about every major metropolitan area. We look forward to getting to know you.
