You've worked hard to create a legacy for your family. Will your estate plan work just as hard to protect it? Convergent knows that picking the right structures for your investments can be as vital as picking the right investments themselves — particularly in today's unpredictable and ever-changing tax and legal climate.
 
We'll conduct an independent review of your current estate plan. Do you have the right documents in place? Would new planning methods work more effectively to achieve your goals? As a specialist exclusively focused on ultra-high net worth portfolios, Convergent keeps on top of the most current and cutting-edge strategies for investors like you. We work with your attorneys and the appropriate corporate or administrative trust services to ensure seamless implementation.

This includes asset location. By strategically dividing your investments among taxable and tax-deferred accounts and other vehicles that may avoid estate tax at your generation, we'll find the right repositories to generate optimal after-tax returns.
 

How much you make is only part of the wealth management story. How much you keep is another.

Ultra-high net worth investors may stand to lose more than others to the IRS. As a specialist serving investors like you, Convergent knows how to incorporate tax-savvy decisions throughout the investment process to protect your portfolio.

We know how to strategically incorporate into your portfolio tax-enhanced index funds, tax-deferred entities and investments managed by professionals who believe in holding concentrated portfolios and/or low portfolio turnover. We also take into account tax implications when recommending any investment strategies.

To further increase your portfolio's tax effectiveness, we'll continually look for tax-loss harvesting opportunities, knowing that the sale of certain securities at a loss often offsets the liability of a capital gains tax, particularly given the higher tax rates levied on short-term capital gains.

Convergent places your investments into the appropriate entities for estate planning and wealth transfer, to ensure that you pass along as much of your irreplaceable capital to your family or your charity, not Uncle Sam.

Of course, these tools and techniques work in tandem with your Investment Policy Statement and our asset allocation and location strategies for maximum value.