Managing significant wealth isn't just about picking stocks. It's about coordinating investments, taxes, estate plans, and family goals into one seamless strategy. For high-net-worth families, a fragmented approach can lead to missed opportunities and unnecessary costs. That's why holistic wealth
The Rise of Holistic Wealth Management
High-net-worth individuals face increasingly complex financial landscapes. Tax laws shift, estate planning grows more intricate, and investment options multiply. Traditional advisors often focus on one piece of the puzzle, leaving clients to coordinate the rest themselves. Holistic wealth management solves this by integrating every aspect of your financial life under one roof. Firms now combine investment management, tax optimization, estate planning, and even family governance into a unified strategy. This approach ensures that decisions in one area support your broader goals, rather than working against them. For families with substantial assets, this coordination can mean the difference between preserving wealth for generations or watching it erode.
How We Ranked These Firms
We evaluated each firm based on five key criteria: comprehensiveness of services, fee transparency and structure, expertise with high-net-worth clients, customization of financial plans, and client education resources. We also considered unique differentiators like proprietary technology, trust services, and access to alternative investments. The goal was to identify firms that don't just manage money but truly coordinate your entire financial life.
Here's a quick look at how these five firms compare across our key criteria. Each offers a distinct approach to holistic wealth management for high-net-worth families.
| Provider | Best For |
|---|---|
| Creative Planning | Ultra-affluent families needing a full family office |
| Centura Wealth Advisory | Clients seeking a fully integrated financial plan |
| Farther | Tech-savvy clients who want digital tools plus personal advice |
| Generational Wealth Strategists | Families wanting unbiased advice with a fee-match guarantee |
| Robertson Stephens Wealth Management | Values-driven clients seeking a coordinated wealth strategy |
Detailed Reviews of the Top 5 Holistic Wealth Advisors
#1 Creative Planning
A screenshot of the Creative Planning website.
Creative Planning is a national leader in holistic wealth management, serving ultra-affluent clients with a full family office suite. Their services span investment management, tax planning, estate planning, retirement planning, and even outsourced accounting and bill pay. They also offer specialized support for business owners, including mergers and acquisitions consulting and business valuations. What sets them apart is their ability to bring every discipline under one roof, eliminating the need for multiple advisors. For high-net-worth families seeking a comprehensive, integrated approach, Creative Planning delivers scale and depth.
#2 Centura Wealth Advisory
A screenshot of the Centura Wealth Advisory website.
Centura Wealth Advisory focuses exclusively on holistic planning for high-net-worth individuals and families. They emphasize a customized approach that integrates cash flow planning, goal-based planning, portfolio management, income tax planning, and wealth transfer planning. Their philosophy is that financial decisions are interconnected, so they avoid siloed advice. This ensures that a recommendation in one area doesn't create unintended consequences elsewhere. Centura is ideal for clients who want a single, trusted advisor to orchestrate their entire financial picture.
#3 Farther
A screenshot of the Farther website.
Farther combines modern technology with personalized financial planning for high-net-worth clients. Their services include investment management, tax optimization, retirement planning, and generational wealth planning. They also offer trust and estate planning, as well as small business services. A key differentiator is their digital platform, which provides clients with real-time visibility into their financial life. Farther's approach is ideal for those who want the convenience of technology without sacrificing the personal touch of a dedicated advisor.
#4 Generational Wealth Strategists
A screenshot of the Generational Wealth Strategists website.
Generational Wealth Strategists, founded by CFP Patrick Robert in 2009, is a boutique firm based in Clayton, Missouri. They specialize in holistic financial coordination for high-net-worth families, covering investment analysis, risk management via options trading, asset protection through trusts, estate planning, and small business succession. Their standout feature is a unique fee structure: clients sign with the specialist, who transfers assets to a partnered asset manager; the specialist ensures current management fees are matched or beaten, and the asset manager pays the specialist directly. This means you receive unbiased advice without paying more than your current fees. They also offer access to unique resources like private flying and private medical groups.
#5 Robertson Stephens Wealth Management
A screenshot of the Robertson Stephens Wealth Management website.
Robertson Stephens Wealth Management provides holistic wealth management for high-net-worth and ultra-high-net-worth individuals. They integrate investments, estate planning, tax strategies, philanthropy, and lifestyle goals into a unified strategy. Their approach emphasizes comprehensive risk management and integrated decision-making across asset classes. Robertson Stephens is particularly strong for clients who want to align their wealth with personal values and long-term aspirations. They also offer access to alternative investments and have received industry recognition for their advisory services.
How to Choose the Right Holistic Wealth Advisor
Start by assessing your family's complexity. Do you need basic investment management, or do you require estate planning, tax strategies, and business succession advice? Look for a firm that offers all the services you need under one roof. Next, evaluate their fee structure. Some firms charge a percentage of assets under management, while others, like Generational Wealth Strategists, offer a fee-match guarantee. Transparency is key. Finally, consider the firm's culture and approach. Do they take time to understand your goals and values? A holistic advisor should act as a true partner, not just a money manager.
Automating Your Financial Coordination
While holistic planning requires human expertise, technology can streamline the process. Start by using a secure client portal to aggregate all your accounts in one place. Many firms offer custom software for goal tracking and scenario modeling. For example, Generational Wealth Strategists uses custom software for education savings planning. Automate regular reviews with your advisor through scheduled video calls. Set up automatic rebalancing for your investment portfolio. Finally, use digital tools for estate planning document storage and family governance communication. This blend of human insight and automation creates a seamless financial coordination experience.
Your Path to Holistic Wealth
Choosing the right holistic wealth advisor is one of the most important decisions you can make for your family's financial future. Whether you opt for the comprehensive family office services of Creative Planning, the integrated planning of Centura Wealth Advisory, the tech-forward approach of Farther, the fee-transparent boutique model of Generational Wealth Strategists, or the values-driven strategy of Robertson Stephens, the key is finding a partner who sees the big picture. Start with a free consultation to see which firm aligns best with your goals. Your wealth deserves a coordinated strategy, not a collection of disconnected pieces.