Wealth Planning
The whole balance sheet.
One connected plan.
Complex wealth creates interconnected decisions. Cash flow, investments, taxes, estate planning, business interests, real estate, liabilities, and charitable goals all affect one another.
Cleros brings those decisions together in a wealth plan built around the client’s full financial life.
- Investments
- Business interests
- Real estate
- Cash & liquidity
- Trusts & estate
- Liabilities
- Philanthropy
- Taxes
What we deliver
A complete view of your
financial life
We bring investments, business interests, real estate, cash, liabilities, trusts, taxes, charitable goals, and other significant assets and obligations into one wealth plan.
That complete view helps us understand how decisions in one part of the balance sheet may affect another.
Cash-flow and liquidity
planning
We map income, spending, taxes, liabilities, capital calls, major purchases, and other expected uses of capital to determine how much liquidity should remain available and how the rest can be positioned for longer-term objectives.
Analysis of major financial
decisions
A business transaction, real estate purchase, private investment, significant gift, or borrowing decision can affect multiple parts of the wealth plan.
We model significant decisions before capital is committed to understand their potential effects on liquidity, investments, taxes, liabilities, and long-term objectives.
An investment strategy
connected to the wealth plan
The investment portfolio is managed within the context of the broader wealth plan.
Liquidity requirements, spending, business interests, real estate, liabilities, taxes, trusts, and future capital needs all help determine what the portfolio needs to accomplish.
Tax and estate coordination
Tax and estate decisions can have implications across the balance sheet.
We work alongside a client’s tax and legal professionals to connect investments, liquidity, business interests, charitable intentions, trusts, and wealth-transfer objectives.
An evolving wealth plan
A wealth plan should evolve as circumstances change.
We revisit assumptions and model different outcomes around markets, spending, business transactions, major purchases, liquidity events, and other significant changes so the plan continues to reflect the client’s financial life.
FAQs about wealth planning
The scope depends on the client. It can include cash flow, liquidity, investments, taxes, estate planning, liabilities, charitable giving, business interests, private investments, real estate, and other significant financial decisions. The important distinction is that those areas are considered together rather than independently.
No. We work alongside a client’s tax and legal professionals. Our role is to connect their specialized work with the broader wealth plan and help coordinate decisions that cross investment, tax, estate, and other disciplines.
Planning is ongoing. We revisit the plan as circumstances change, significant decisions arise, investments mature, businesses are bought or sold, families evolve, and priorities shift.
Yes. We can model how a significant commitment may affect liquidity, cash flow, taxes, investments, liabilities, and longer-term objectives before capital is committed.
The wealth plan helps establish what the portfolio needs to accomplish. Liquidity requirements, spending, taxes, liabilities, time horizon, future capital needs, and assets held elsewhere can all influence how the investment portfolio is constructed and managed.
Yes. We can work with accountants, attorneys, bankers, insurance professionals, and other advisors so that each discipline is considered within the broader wealth plan.
Cleros Wealth Partners works with a limited number of clients.
We are thoughtful about the clients we serve, seeking relationships where our approach can support their needs today and well into the future.
Clients looking for a highly personal advisory relationship are invited to write to us directly.
