Private Wealth Management

The financial decisions you make today have an indelible impact on your future

When your business, professional and private interests grow, so do your risks. Suddenly, you’re dealing with complex financial issues that require the assistance of seasoned specialists in private wealth management, retirement, insurance and risk management.

HUB’s private wealth management services are designed to help you make informed choices, set you on a positive path toward your long-term goals, and let you get on with what you want to do with your time. Our mission is to give you the resources you need to manage your financial life and pursue your goals — whether you’re planning for retirement or your next adventure!

What Is Private Wealth Management?

Private wealth management is a form of investment advisor service and it's tailored to meet the unique needs of each client. This practice is part of the financial planning services offered to high-net-worth clients.

Who we serve

Private wealth management is not a one-size-fits-all service. HUB's private wealth management advisors work with a range of high-net-worth individuals and families, including:

• Business owners — Those navigating the intersection of personal and business wealth, from ongoing cash flow management to long-term exit and succession planning. HUB private wealth advisors work with business owners at every stage from building personal wealth alongside a growing business, to planning for an eventual sale or succession, to managing the personal financial complexity that follows a liquidity event. Our goal is to make sure that the wealth you build through your business translates into lasting personal financial security and that the risks inherent in business ownership do not undermine what you have worked to create.

• Corporate executives — Professionals managing concentrated stock positions, deferred compensation, equity awards and complex tax situations that require coordinated planning.

• Multigenerational families — Families focused on preserving and transferring wealth across generations while maintaining shared values and family cohesion. HUB's private wealth advisors work with clients to develop multigenerational wealth strategies that address both the financial and human dimensions of wealth transfer. On the financial side, this includes estate planning, trust structures, charitable giving strategies and life insurance used as a wealth transfer tool. On the human side, it involves helping families think through governance, communication and the education of younger family members about financial responsibility.Wealth transfer planning works best when it starts early and evolves over time. A HUB private wealth advisor can help you understand your options and build a plan that reflects your intentions.

• Individuals approaching or in retirement — Those transitioning from wealth accumulation to income distribution, seeking strategies that sustain their lifestyle over the long term.

• Inheritors and recipients of significant wealth — Individuals navigating a sudden or planned influx of assets who need guidance on investing, tax planning and asset protection.

• Professionals in high-liability fields — Physicians, attorneys and other licensed professionals who face unique personal liability exposure alongside complex compensation structures.

• HUB private wealth advisors work as a central point of coordination for clients with this level of complexity, connecting the right specialists at the right time and making sure every element of a client's financial life is working toward the same objectives.

If your financial life has grown beyond the scope of standard financial planning, a HUB private wealth advisor can help you bring clarity and strategy to the full picture.

How Does Private Wealth Management Work?

Private wealth management experts offer financial planning and investment strategies to help clients manage their wealth and achieve their goals. Read more to learn how HUB private wealth management services can help you.

What to expect from your HUB advisor

Working with a HUB private wealth advisor means having a single, dedicated point of contact who coordinates every aspect of your financial life.

Your advisor takes time to understand not just your financial position but your priorities: what you are building toward, what you want to protect and what you hope to leave behind. From that foundation, your advisor develops a personalized wealth plan and works alongside you as your circumstances evolve.

Whether you are navigating a major life event, responding to market changes or reassessing your goals, your HUB advisor is a consistent partner who understands the full context of your situation. That continuity of relationship is one of the most meaningful advantages private wealth management offers.

Scenarios demonstrating the value of private wealth management

Private wealth management becomes most valuable at inflection pointsthe moments when financial decisions carry the highest stakes and the consequences of a misstep are most significant. Some of the most common situations include:

• Selling a business — A liquidity event creates an immediate need for tax planning, investment strategy and liability protection. The decisions made in the months before and after a sale can have a lasting impact on how much wealth is preserved.

• Receiving an inheritance — A sudden influx of assets brings complexity alongside opportunity. Advisors help clients integrate inherited wealth into an existing plan while addressing tax implications and family dynamics.

• Approaching retirement — The transition from accumulation to income distribution requires a fundamentally different strategy. Clients need a plan that sustains their lifestyle, addresses healthcare costs and optimizes Social Security and tax outcomes.

• Navigating divorce — The division of assets, restructuring of insurance coverage and revision of estate planning documents all require careful coordination during one of the most financially significant life transitions.

• International relocation — Moving across borders introduces cross-border tax obligations, currency risk and changes to insurance and estate planning requirements that need proactive management.

• Significant compensation events — Executives receiving large equity grants, restricted stock units or deferred compensation awards need coordinated planning to manage concentration risk and tax exposure.

If you are approaching one of these moments or working through its aftermath, a HUB private wealth advisor can help you make decisions with clarity and confidence.

HUB Retirement and Private Wealth employees are Registered Representatives of and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisors, which may or may not be affiliated with HUB International. Insurance services are offered through HUB International, an affiliate.

HUB International does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Hub International cannot guarantee that the information herein is accurate, complete, or timely. Consult an attorney or tax professional regarding your specific situation. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Investors should carefully consider investment objectives, risks, charges and expenses.