Boutique Wealth Management for High Net Worth Families
Independent fiduciary advisors delivering institutional-level investment management, advanced planning, and multi-generational office coordination for high net worth families.
Our Mission
We empower successful individuals to honor the promises they’ve made to themselves and to the people who matter most.
HighWater Wealth was built for individuals and families who have outgrown traditional private banks.
We provide integrated wealth management — combining institutional-quality investment strategies, advanced tax-aware planning, estate coordination, and multi-generational office oversight into one aligned relationship.
We provide integrated wealth management — combining institutional-quality investment strategies, advanced tax-aware planning, estate coordination, and multi-generational office oversight into one aligned relationship.
We do not sell products.
We do not manufacture proprietary solutions.
We advocate for your entire financial life.
As independent fiduciaries, we are legally and ethically obligated to act in your best interest always.
our Investment Philosophy
Best-in-Class. Open Architecture. Fully Aligned.
Investment excellence comes first. We deploy both passive and active strategies — guided by our Selective Alpha approach.
Our objective is clear
True open architecture - no proprietary products, no hidden incentives
Institutional-quality portfolio construction
Focus on quality compounders through full market cycles
WHAT WE DO
Comprehensive Private Wealth Management
We provide integrated solutions for complex financial lives.
Investment Management
Institutional portfolios tailored to your long-term objectives and risk tolerance.
• Open-architecture portfolio construction
• Quality dividend and growth strategies
• Tactical asset allocation
• Fixed income and structured solutions
• Select private investments
• Portable alpha strategies
• Quality dividend and growth strategies
• Tactical asset allocation
• Fixed income and structured solutions
• Select private investments
• Portable alpha strategies
Schedule a Consultation
Advanced Wealth Planning
Strategic integration across investments, tax planning, estate coordination, liquidity strategy, and income design.
• Comprehensive financial planning
• Tax-aware structuring
• Cash flow modeling
• Liquidity and exit planning
• Estate planning coordination
• Tax-aware structuring
• Cash flow modeling
• Liquidity and exit planning
• Estate planning coordination
Schedule a Consultation
Multi-Generational Office Services
Concierge-level coordination for high-net-worth families requiring comprehensive oversight.
• Multi-generational planning
• Trust reviews
• Coordination with attorneys and CPAs
• Philanthropic strategy
• Complex asset oversight
• Legacy transfer design
• Trust reviews
• Coordination with attorneys and CPAs
• Philanthropic strategy
• Complex asset oversight
• Legacy transfer design
Schedule a Consultation
Additional capabilities include
Tax-efficient portfolio design
Structuring and managing investments to maximize after-tax returns by minimizing, deferring, or eliminating tax liabilities. The focus is on what you keep rather than just what you earn. Utilizing strategies like tax-loss harvesting, smart asset location, and tax-advantaged vehicles is paramount to accomplish this goal.
Estate and trust coordination
Aligning all legal documents with desired asset ownership to ensure a seamless wealth transfer, minimize taxes, and avoid probate. Aligning, funding, and updating all personal assets and business interests so they work together as a unified strategy. This way you can rest ensured your assets are distributed exactly as intended.
Liquidity event planning
Timely preparation for a significant financial exit in the form of a business sale or business transition. It is essential to coordinate business and personal finances in order to maximize the net proceeds from the event while minimizing taxes from capital gains and legal risks from due diligence failures.
Retirement and income modeling
Performing sophisticated financial planning processes that simulates future financial circumstances to determine current and future assets can support the desired lifestyle throughout retirement. The key discipline is to map out a detailed year-by-year operational cash flow blueprint under different capital markets environments.
Structured credit and lending solutions
Establishing highly customized loans for high-net-worth individuals or corporations with non-traditional collateral with the attempt to provide liquidity without selling assets. Often these are tailored credit facilities designed for borrowers whose needs exceed the limits of standard banking products.
Multi-generational wealth strategy
Developing a long-term plan designed to preserve, grow, and transition assets across multiple generations. It is tailored around creating a sustainable family legacy that survives the common "shirtsleeves to shirtsleeves in three generations“ phenomenon by addressing legal, financial, and human elements of a family.
Philanthropic planning
Integrating charitable giving strategies into the overall wealth and estate plan by utilizing a structured, long-term donation approach. This way the personal financial resources are aligned with values and legacy goals.
Structuring and managing investments to maximize after-tax returns by minimizing, deferring, or eliminating tax liabilities. The focus is on what you keep rather than just what you earn. Utilizing strategies like tax-loss harvesting, smart asset location, and tax-advantaged vehicles is paramount to accomplish this goal.
Aligning all legal documents with desired asset ownership to ensure a seamless wealth transfer, minimize taxes, and avoid probate. Aligning, funding, and updating all personal assets and business interests so they work together as a unified strategy. This way you can rest ensured your assets are distributed exactly as intended.
Timely preparation for a significant financial exit in the form of a business sale or business transition. It is essential to coordinate business and personal finances in order to maximize the net proceeds from the event while minimizing taxes from capital gains and legal risks from due diligence failures.
Performing sophisticated financial planning processes that simulates future financial circumstances to determine current and future assets can support the desired lifestyle throughout retirement. The key discipline is to map out a detailed year-by-year operational cash flow blueprint under different capital markets environments.
Establishing highly customized loans for high-net-worth individuals or corporations with non-traditional collateral with the attempt to provide liquidity without selling assets. Often these are tailored credit facilities designed for borrowers whose needs exceed the limits of standard banking products.
Developing a long-term plan designed to preserve, grow, and transition assets across multiple generations. It is tailored around creating a sustainable family legacy that survives the common "shirtsleeves to shirtsleeves in three generations“ phenomenon by addressing legal, financial, and human elements of a family.
Integrating charitable giving strategies into the overall wealth and estate plan by utilizing a structured, long-term donation approach. This way the personal financial resources are aligned with values and legacy goals.
Tax-efficient portfolio design
Estate and trust coordination
Liquidity event planning
Retirement and income modeling
Structured credit and lending solutions
Multi-generational wealth strategy
Philanthropic planning
WHO WE SERVE
We specialize in serving
Our clients typically share one thing in common:
They have outgrown transactional advisory relationships and are seeking a more strategic, aligned partnership.
They have outgrown transactional advisory relationships and are seeking a more strategic, aligned partnership.
Entrepreneurs and business owners
Corporate executives and professionals
Multi-generational families
Individuals with $10M–$30M+ in investable assets
Institutions seeking independent fiduciary oversight
PROCESS PAGE
Our Advisory Process
Investment excellence comes first. We deploy both passive and active strategies — guided by our Selective Alpha approach.
1
Discovery & Financial Clarity
We evaluate your entire financial landscape — assets, liabilities, goals, risks, and long-term aspirations.
2
Strategic Wealth Design
We design an integrated strategy across investments, tax planning, estate coordination, and liquidity management.
3
Implementation & Coordination
We execute across custodians, legal advisors, CPAs, and external specialists.
4
Ongoing Optimization
We continuously refine your strategy as markets evolve, tax laws shift, and life transitions occur.
WHAT OUR CLIENTS SAY
Built on Discipline. Measured by Results.
The relationships we build speak louder than the portfolios we manage.
"After selling my business, I realized my wirehouse advisor was managing products — not my financial life. HighWater brought everything together under one aligned strategy. For the first time, I feel truly protected."
"As a surgeon, I had zero time to oversee investments. HighWater's fiduciary approach meant I finally had someone genuinely in my corner."
"We each brought children, assets, and complexity to our marriage. HighWater helped us design a plan that honored both our families."
"We left a large private bank expecting to lose sophistication. Instead, we gained transparency, better performance, and a team that actually knows our name."
"The tax savings alone justified the move. But what keeps us here is the planning — every piece of our financial life is finally coordinated."
"I interviewed four firms after my liquidity event. HighWater was the only one that didn't lead with their products. They led with questions about my family, my goals, and my legacy."
$1.6B
Assets Under Advisement
125 yrs+
Combined Advisement Experience
100%
Independent & Fiduciary
Highwater difference
Why Boutique Wealth Management
Many high-net-worth families are transitioning away from large banks and wirehouses.
Flexibility and customization
True fiduciary alignment
Greater transparency
Open-architecture solutions
Personalized,
high-touch service
high-touch service
Vetted private capital/ private debt / hedge funds
HighWater Wealth delivers institutional capability without institutional conflict.
Sophistication
without bureaucracy.
Structure
without rigidity.
Alignment
without compromise.
CONTACT PAGE
Begin a Strategic
Conversation
If you seek a fiduciary wealth advisor aligned with your long-term interests, we invite you to connect.
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Important Information
Alpha measures the difference between a portfolio’s actual returns and its expected performance, given its level of risk as measured by Beta, which measures volatility relative to its benchmark. A positive (negative) Alpha indicates the portfolio has performed better (worse) than its Beta would predict.
Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.
No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments. All investments involve risk, including potential loss of principal.
An asset allocation strategy does not ensure a profit or protect against loss.
Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.
No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments. All investments involve risk, including potential loss of principal.
An asset allocation strategy does not ensure a profit or protect against loss.
Alternative Investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.
No client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from High Water Wealth or from any other investment professional.
Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.
LPL Financial Form CRS
No client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from High Water Wealth or from any other investment professional.
Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.
LPL Financial Form CRS
