Wealth well orchestrated.
Advice built around your life.
What We Do.
Managing wealth is complicated, time-consuming, and burdensome. We do the hard work of integrating every aspect of your financial world while aligning it with what you actually care about. Beyond your investments and financial plan, we coordinate with your CPAs, estate attorneys, and specialists so your complexity is reduced to one call.
Acting in your best interest. Always.
As strict fiduciary investment managers, we hold to standards of transparency and conflict-free advice – built solely around your goals, never company production targets.
Built for your goals, not company goals.
We created Downtown Wealth Studios so that "putting the client first" would be the actual structure of the firm – not a slogan hung on the wall of a sales floor.
One integrated plan. One team.
We coordinate and collaborate across your advisors, attorneys, and accountants so that every part of your financial life pulls in the same direction.
Genesis II · Cleveland Museum of Art
Keeping your assets safe.
All client assets are held and custodied at BNY, America's oldest bank, with $59 trillion in assets under custody or administration. Your money never touches our accounts.
- ·Your assets held at BNY, not with us. We advise, they custody
- ·SIPC protection up to $500,000 per account
- ·Every trade executed and cleared through BNY's institutional infrastructure
- ·See everything, anytime, with 24/7 online access and reporting
- ·A bank built for custody: no investment banking, no proprietary trading
Kandinsky · Composition 6
Growing your wealth.
Custom portfolios built around your real risk tolerance, time horizon, and life goals. Tax-aware at every step. No product commissions, ever.
- ·Portfolios free to go wherever opportunity is, not confined to a model, product menu, or benchmark
- ·Own the index directly, stock by stock, so we can harvest tax losses and customize around positions you already hold
- ·Too much wealth in one stock? Structured plans to reduce the risk without a painful tax bill, including restricted stock (Rule 144, 10b5-1)
- ·Private equity, private credit, hedge funds, special opportunities such as sports franchises, with access typically reserved for institutions
- ·Legacy holdings transitioned into your plan tax-efficiently, not liquidated
Klimt · Allee vor Schloss Kammer
Increasing your income.
High-income strategies built around your tax situation, not a generic yield target.
- ·High monthly income from professionally managed funds, bought when they trade below their real value
- ·Federally tax-free income from municipal bonds, built for high earners
- ·Custom bond portfolios matched to your actual cash flow needs
- ·Cash that earns, through institutional money market funds, Treasury bills, and CDs, with daily access
- ·Structured notes that trade some upside for defined income or built-in downside buffers
Cézanne · Mont Sainte-Victoire
Reducing your taxes.
Tax strategy runs through every investment decision we make, not just at year-end. We coordinate directly with your CPA all year so nothing falls through the gap.
- ·Losses harvested systematically across every account, position by position, all year
- ·The right investments in the right accounts, so tax-inefficient assets stay sheltered
- ·Equity comp handled right: when to exercise options, sell RSUs, or make an 83(b) election
- ·Roth conversions timed to your tax bracket, not the calendar
- ·Gifting and charitable giving structured for maximum tax impact
- ·Year-round CPA coordination, no hand-off at tax season
Kandinsky · Autumn II
Life Goals & Planning.
Financial planning built around your life, not a retirement calculator. Home purchase, business exit, inheritance, education, legacy. Every major decision deserves a real plan.
- ·A complete financial plan, stress-tested against thousands of market scenarios so you can compare paths before committing to one
- ·Retirement income planning that accounts for inflation, taxes, and healthcare costs, with Social Security timed right
- ·Home purchases and real estate decisions made with real numbers, not rules of thumb
- ·Education funding for children and grandchildren
- ·Business exits and liquidity events planned years ahead, not after the term sheet
- ·How your wealth is held: trusts, LLCs, partnerships, and account titling that fit your tax picture and protect what you've built
- ·Legacy and wealth transfer: what you pass on, to whom, and how, with the next generation prepared, not just provided for
Van Gogh · Wheat Field with Crows
Managing all the stuff.
Your financial life is more than your portfolio. Real estate, outside accounts, private investments, foreign assets. We track and coordinate the full picture.
- ·Everything you own in one view, including accounts we don't manage: 401(k)s, outside brokerage, old plans
- ·Real estate tracked and supported, from financing decisions to buy-or-sell analysis
- ·Private investments monitored and reported, including capital calls and distributions, so nothing gets missed
- ·Foreign currency held, converted, and moved at institutional rates
- ·Insurance reviewed across life, disability, and liability, so you're neither exposed nor overpaying
- ·The stuff that never fits on a statement: stock options, collectibles, business interests
Pollock Style · Color Abstract
Managing all the people.
Most clients come to us with a CPA, an estate attorney, maybe a business attorney, all working independently. We quarterback the whole team so your complexity is reduced to one call.
- ·Your CPA, looped in year-round rather than handed a pile of forms in April
- ·Your estate attorney, coordinated on beneficiaries, trusts, and entities
- ·Your business attorney, aligned on equity, cap tables, and operating agreements
- ·Insurance professionals, bankers, agents, and property managers, all kept on the same page
- ·And if you're missing someone on the team, we make the introduction
Monet · Impression, Soleil Levant
Putting your wealth to work.
Sometimes the smartest move isn't selling. Institutional banking and lending, built into your portfolio through BNY.
- ·Borrow against your portfolio at institutional rates instead of selling and triggering taxes
- ·Custom lending for situations banks won't touch: concentrated stock, art, aircraft, commercial real estate
- ·Private mortgages and lines of credit with white glove execution
- ·Full banking built in: checking, bill pay, and zero-cost domestic and international wires
- ·Hold and convert 48+ currencies for cross-border lives and businesses
The family office model
vs. the traditional advisor
Most advisory firms are built to serve as many clients as possible. We're built to serve as few as necessary – so we can serve each one exceptionally well.
Small, curated client base – high attention by design
Large client base per advisor
Institutional-level products & bespoke service
Retail-level products & service
Sophisticated, customized allocation with integrated tax analysis
Pre-packaged asset allocation models
Rigorous investment selection fitted to your life, goals & tax situation
Standardized programs with add-on wrap fees
Full centralization of family legal, financial, and tax issues
Product-focused service model
Wide range of alternatives & non-traditional strategies
Limited alternative investment access
Your assets held at America's oldest bank.
All client assets are held and custodied at BNY. Founded by Alexander Hamilton, BNY currently custodies or administers over $59 trillion in client assets worldwide. We hold the safety of your assets as the most critical element of our service.
You don't need to have
it all figured out.
Tell us where you are – what you're earning, what's keeping you up at night, and what you'd hand off if you could. We'll take it from there.
Get In Touch → ✻ Invest Beautifully ✻