Financial Planning for High-Net-Worth Individuals & Beyond
A coordinated financial plan connects every part of your financial life — investments, estate strategy, tax positioning, cash flow, and life transitions — into a single, coherent picture. Stone Loft builds that plan and manages it over time, so nothing drifts and nothing falls through the gaps.
What Planning Actually Means
Most people who come to Stone Loft have investments. What they don't have is a plan — a structured, integrated strategy that ties those investments to their actual goals, coordinates with their estate documents, accounts for their tax position, and gets updated when their life changes.
Financial planning for high-net-worth individuals encompasses far more than asset allocation. It is the architecture that makes every other financial decision more effective. A well-built plan doesn't just manage wealth — it directs it.
Every Dimension of Your Financial Life, Addressed Together
- Goals and Cash Flow Planning
We start with where you are and where you want to go — income, spending, savings rate, and the specific financial milestones that matter to you. For high-net-worth clients, this often includes managing multiple income streams, liquidity needs, and the transition between accumulation and distribution phases. - Tax-Efficient Financial Strategy
Taxes are one of the largest drags on long-term wealth. We coordinate with your tax advisors to build strategies that reduce your taxable exposure across investment decisions, distributions, charitable giving, and estate transfers — without compromising your investment discipline. - Estate Coordination
A financial plan without an estate plan is incomplete. We work alongside your estate attorney to ensure your investment strategy, beneficiary designations, trust structures, and gifting programs are aligned — and stay aligned as laws and circumstances change. - Life Transition Planning
Divorce, business sale, inheritance, death of a spouse, a major liquidity event — each creates a decision-dense moment where poor coordination is costly. We provide structured planning support through transitions, not just steady-state management.
Stone Loft's financial planning relationships are built around clients whose situations require more than generalist advice. We serve:
- Corporate executives and C-suite professionals coordinating equity compensation, deferred income, and concentrated stock positions alongside a broader financial plan
- Business owners and entrepreneurs managing personal wealth alongside business interests, succession considerations, and liquidity planning
- Ultra-high-net-worth families with multi-generational estate complexity, philanthropic goals, and significant tax exposure
- Medical professionals — physicians, dentists, and specialists — navigating high income, practice ownership, and late-start retirement planning
- Active traders who need a planner fluent in portfolio construction and position-level tax strategy
- Women managing significant wealth independently, through divorce, inheritance, or long-term accumulation in dual-income households
What Does Comprehensive Financial Planning Include?
What does comprehensive financial planning include for wealthy families?
Comprehensive financial planning for high-net-worth families covers investment strategy, tax planning, estate coordination, cash flow management, insurance review, retirement distribution planning, and support through major life transitions. The goal is a single, integrated plan — not a collection of unconnected accounts and documents.
What's the difference between financial planning and wealth management?
Wealth management is a broad term that typically refers to investment management plus some planning services. Financial planning is the underlying framework — the goals, strategy, and coordination that give investment decisions their context. At Stone Loft, financial planning and investment management are delivered together under a single fee, not treated as separate services.
How do I find a fee-only financial planner for high-net-worth individuals?
Look for a CFP-designated advisor registered as a fee-only RIA with a fiduciary obligation. Fee-only means no commissions — the advisor earns nothing from product recommendations. You can verify registration, credentials, and disclosure history on FINRA BrokerCheck before reaching out.
How much does financial planning cost at Stone Loft?
Stone Loft charges an AUM-based fee starting at 0.30% annually — which covers both financial planning and investment management. There are no separate planning fees or hourly charges. The full fee schedule is posted publicly on our fees page.
What does a CFP do differently than a standard financial advisor?
A Certified Financial Planner is trained across the full scope of financial planning — investments, taxes, estate, insurance, and retirement — and is held to a fiduciary standard. Many financial advisors hold only sales licenses. A CFP credential signals planning competence, not just product authorization.