Wealth Management for Those Who Expect More Than Average Returns
Institutional-grade investment strategies, tax optimization, and estate planning for portfolios exceeding $1M. Because your wealth demands more than a retail brokerage account.
You've Worked Hard to Build Significant Wealth. You Deserve Better.
Traditional financial advisors offer the same mutual funds and ETFs they sell to everyone else. You're stuck paying retail fees for retail strategies while your tax bill eats into your returns and your estate planning sits in a drawer, untouched for years.
"At Latifi, we provide the sophisticated wealth management services typically reserved for family offices and institutional investors—customized for your unique situation."
Stop settling for cookie-cutter portfolios. Access institutional-grade opportunities, comprehensive tax optimization, and proactive estate planning that high-net-worth families demand.
For Investors with $1M+ in Investable Assets
Private Portfolio Management
Your wealth has grown beyond what retail brokerages can effectively manage. You need sophisticated strategies that account for your complete financial picture, not just isolated investment recommendations from commission-driven advisors.
Personalized Investment Strategy
Custom portfolio design aligned with your specific goals, risk tolerance, and timeline. No cookie-cutter model portfolios—every recommendation tailored to your situation.
Active Portfolio Management
Quarterly rebalancing and tactical adjustments based on market conditions. We actively monitor and optimize your portfolio—not set-it-and-forget-it passive management.
Alternative Investment Access
Gain exposure to private equity, hedge funds, real estate syndications, and other opportunities typically requiring $5M+ minimums through our institutional relationships.
Direct Indexing Benefits
Tax-loss harvesting at the individual security level, potentially saving tens of thousands annually compared to traditional index funds.
Dedicated Portfolio Manager
Direct access to experienced managers who know your complete financial picture. No call centers, no junior advisors—consistent expertise you can trust.
Transparent Performance Reporting
Monthly statements with complete transparency. Track performance against benchmarks, understand every fee, see exactly where you stand.
Real Client Success: Executive Portfolio Optimization
The Challenge
Tech executive with $3M portfolio spread across multiple retail accounts. High tax burden, fragmented management, no cohesive strategy.
The Results
$87K
Annual tax savings through strategic restructuring
+2.1%
Net return improvement annually
Our Solution
Consolidated to institutional platform with direct indexing, implemented tax-loss harvesting, restructured asset location for tax efficiency, coordinated with CPA.
Minimize Your Tax Burden Legally
Tax Optimization Strategies
Most investors leave 20-40% of their returns on the table through tax inefficiency. While you can't avoid taxes entirely, strategic planning can dramatically reduce your annual tax burden—legally and ethically.
CPA Coordination
We work directly with your tax professional to ensure investment decisions complement your overall tax strategy—no more disconnected advice.
Charitable Giving Strategies
Donor-advised funds, qualified charitable distributions, and appreciated security donations that maximize tax benefits while supporting causes you care about.
Business Owner Optimization
Specialized strategies for entrepreneurs including retirement plan maximization, business structure optimization, and succession planning coordination.
Qualified Opportunity Zones
Defer and potentially eliminate capital gains taxes through strategic QOZ investments aligned with your portfolio strategy.
Strategic Asset Location
Optimize which investments belong in taxable vs. tax-deferred accounts. Proper placement can save thousands annually in unnecessary taxes.
Year-Round Tax-Loss Harvesting
Continuously identify opportunities to offset gains throughout the year—not just in December. Systematic approach captures value others miss.
"Tax optimization isn't about aggressive schemes—it's about intelligently using every legal strategy available to keep more of what you've earned."
Retirement Income Planning
You've spent decades accumulating wealth. Now comes the complex challenge: converting that wealth into sustainable income without running out of money or leaving opportunities on the table.
Social Security Optimization
Claiming strategy analysis that can increase lifetime benefits by $100,000+ through strategic timing and spousal coordination.
Pension Maximization
For those with pension options, analysis of lump-sum vs. annuity decisions that can impact your wealth by hundreds of thousands.
Convert Wealth to Reliable Lifetime Income
Sustainable Withdrawal Analysis
Determine safe withdrawal rates based on your specific portfolio, timeline, and goals. Monte Carlo simulations testing thousands of scenarios for confidence.
Inflation Protection
Portfolio construction that maintains purchasing power over 30+ year retirements, accounting for healthcare inflation and lifestyle needs.
Healthcare & Long-Term Care
Medicare strategy, supplemental coverage analysis, and long-term care planning to protect assets from catastrophic health expenses.
Tax-Efficient Distribution
Strategic sequencing of withdrawals from taxable, tax-deferred, and tax-free accounts to minimize lifetime tax burden.
Estate Planning & Wealth Transfer
Without proper planning, your heirs could lose 40%+ of your estate to taxes and probate. Strategic estate planning ensures your wealth transfers efficiently to the people and causes you care about—not the government
Trust Funding & Optimization
Ensure revocable trusts, irrevocable trusts, and charitable trusts are properly funded and structured for maximum benefit.
Beneficiary Strategy
Optimize IRA beneficiary designations, account titling, and transfer-on-death provisions to minimize taxes and probate.
Preserve Your Legacy Across Generations
Estate Attorney Coordination
We work directly with your estate attorney (or connect you with specialists) to ensure legal documents align with financial strategy.
Business Succession Integration
For business owners, coordinate business transition with personal estate plan ensuring smooth transfer and family harmony.
Charitable Legacy Design
Create lasting impact through charitable trusts, private foundations, and donor-advised funds while reducing estate tax burden.
Multi-Generational Planning
Dynasty trusts, generation-skipping strategies, and wealth transfer techniques that benefit children, grandchildren, and beyond.
Real Impact: Family Wealth Transfer
Our Strategy
Updated estate plan with properly funded revocable trust, strategic gifting program, life insurance trust, charitable remainder trust.
The Outcome
$1.7M
Estate tax savings through proper planning
100%
Probate avoided through trust funding
The Situation
$8M estate with outdated documents, no trust funding, inefficient beneficiary designations. Projected estate tax: $2.1M.
Why Our Wealth Management Is Different
Institutional Access
We provide investment opportunities typically requiring $5M+ minimums through our institutional relationships. Access private equity, hedge funds, and real estate syndications previously unavailable to you.
Integrated Approach
Your investment strategy works in harmony with your insurance protection and legal structure—not in isolation. Every recommendation considers your complete financial picture.
Proactive Management
We don't wait for year-end or annual reviews. Quarterly strategic sessions keep you ahead of market changes, tax law updates, and planning opportunities.
Transparent Fee Structure
No hidden commissions. No product sales quotas. No conflicts of interest. Just straightforward fee-based advice aligned with your success—we only win when you win.
Is Our Wealth Management Right for You?
We're selective about who we work with. Our services are designed for specific situations where we can deliver exceptional value.
Ideal Clients
Investable assets of $1M or more
Business owners with complex compensation
Executives with stock options and deferred comp
Families planning multi-generational wealth transfer
Individuals seeking institutional-grade access
Those frustrated with fragmented advisory relationships
People who value proactive, comprehensive service
Not a Good Fit
Looking for DIY tools and self-directed platforms
Wanting robo-advisor pricing with personal service
Portfolios under $1M in investable assets
Seeking get-rich-quick schemes or day trading
Not willing to provide complete financial transparency
Preferring transactional relationships over partnerships
Expecting instant results from long-term strategies