Client Vault

Transferring Wealth

Many of our clients identify leaving a legacy as one of their most important life goals. Surprisingly though, research tells us that only about one-third of wealth transfers actually succeed. Those transactions that are successful depend largely upon good communication among family members. (Source: The Williams Group,

Our practice has the right resources in place to assist with financial management and to ensure that estate planning details are well prepared and clearly defined. In addition, we also offer guidance on the personal dynamics required for a successful multigenerational wealth transition.

At ALWM, we believe that the true value of philanthropy lies in the meaning it brings to those both giving and receiving. In addition, research shows that a pleasant by-product for a family engaged in charitable pursuits appears to be the value it adds to effective communication of family values among generations. (Source: The Williams Group,

There are many considerations and benefits when integrating philanthropic requests into a wealth strategy. Ongoing legislative reform, personal interests and various investment opportunities may afford existing and new opportunities for charitable giving to play an increasing role within your tax and wealth planning efforts. As part of our partnership, we carefully integrate it into your personal strategy and we keep up with the latest regulations in this area to add value to your charitable pursuits.

Many of your financial goals can span a lifetime, or even generations, so it’s important to prepare for uncertain events that could otherwise derail your overall strategy. Our role as your advisor is to not only define your long-term objectives, but to identify potential threats to your success, and implement protection against them.

Our approach to wealth protection is thoughtful, deliberate and highly individualized. Planning comes first: exploring concerns related to managing the effects of taxes, inflation and market fluctuations; privacy, security, and legal actions; property and casualty losses; business continuation; and legacy creation and protection. Next, we consider procedures, documents and similar techniques that can offer the protection required. As a final option, we might incorporate insurance or related tools — but only as required for clearly defined roles.


As a Registered Investment Advisor firm, we have a legal responsibility to always act in YOUR best interest — and we take that responsibility very seriously. Our approach is based on Modern Portfolio Theory, a Nobel Prize-winning, evidence-based investment approach that tailors your portfolio’s level of risk (and its expected returns) according to your personal preferences, goals and circumstances. In addition to seeking broad global diversification, we assist with appropriate asset location between taxable versus tax-advantaged accounts.

We construct portfolios in the most low-cost and tax-efficient manner possible and apply these techniques for individual investors, retirement plan sponsors and institutional client relationships.

©2024 Lucia Wealth