Support | Resources | Blog | Need help? 720.792.3003 or Book a Call
Integrated Wealth & Tax Planning
Comprehensive Wealth and Tax Services for High-Net-Worth Families
Explore Heirloom Wealth’s integrated wealth management and tax planning services for high-net-worth families, from investments and retirement income to estate, tax, and legacy.
One Firm for “Everything Your Money Touches”
Wealth Services
Wealth Management
Financial Planning
Planning sits at the core of every relationship. Heirloom develops a comprehensive financial plan that typically includes Detailed cash-flow modeling (current and projected), Goal planning (retirement, education, property, philanthropy, legacy), Liquidity analysis and reserve planning, Scenario testing (retirement ages, spending levels, sale of a business, etc.)
This plan serves as the blueprint for investment strategy, tax decisions, and estate planning updates. It is a living document, updated as your life, business interests, and markets change.
Insurance and Risk Management
Heirloom reviews existing insurance coverage and broader risk exposure as part of the planning process. This may include:
Life insurance
Disability coverage
Long-term care considerations
Property and casualty coverage at a high level
The firm does not lead with product recommendations. Instead, it evaluates whether your current coverage is aligned with your plan and coordinates with your existing insurance professionals when changes are appropriate.
Debt Management & Cash Flow
For many high-net-worth families, debt is a strategic tool—mortgages, lines of credit, margin, and business or investment lending. Heirloom helps you evaluate:
How debt fits into your overall balance sheet
Whether repayment, refinancing, or restructuring may be beneficial
The interaction between borrowing decisions, investments, and taxes
On the cash-flow side, the firm helps build and maintain a clear picture of where money is coming from and where it is going, so you can make spending and saving decisions with confidence.
Retirement Income Planning
For clients approaching or in retirement, Heirloom designs retirement income strategies that connect:
Portfolio withdrawals
Social Security and pension decisions
Required minimum distributions
Tax-aware account sequencing (which accounts to draw from and when)
The intent is to create a spending plan that is both sustainable and understandable—so you know how much you can reasonably spend, how your income will be generated, and how that ties back to your long-term projections. While no plan can eliminate uncertainty, a thoughtful structure may reduce the likelihood of unpleasant surprises.
Charitable Planning
Philanthropy is an important part of many clients’ lives. Heirloom helps integrate charitable intent into the wealth plan by:
Clarifying your giving goals and time horizons
Evaluating structures such as donor-advised funds or private foundations (where appropriate)
Coordinating charitable giving with investment and tax strategies
The aim is to help you give in a way that is meaningful to you and consistent with your broader financial picture.
Estate & Legacy Planning
Heirloom works alongside your estate attorney to ensure your estate plan reflects your current goals and is coordinated with your investment and tax strategies. This often involves:
Reviewing existing wills, trusts, and titling
Aligning beneficiary designations with the overall plan
Planning for future liquidity needs (estate taxes, buyouts, etc.)
Structuring accounts and entities to support multi-generational goals
The firm does not draft legal documents but helps you and your attorney translate planning ideas into actionable next steps, and ensures your financial structure reflects what your estate documents are designed to accomplish.
College & Education Planning
For families funding education for children or grandchildren, Heirloom incorporates college and education planning into the broader strategy, including:
Determining appropriate savings levels and vehicles
Coordinating 529 plans and other accounts with the overall portfolio
Evaluating the impact of education goals on retirement and legacy plans
Business Succession Planning
For business owners and entrepreneurs, Heirloom assists with the financial side of succession planning and potential liquidity events by:
Modeling different exit scenarios and timing
Planning for cash-flow needs before and after a sale
Coordinating with your tax, legal, and transaction advisors
Integrating proceeds into your long-term investment and estate strategy
Tax Planning
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Client Education
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Cash Flow Statement
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Net Worth Statement
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Investment Management
Heirloom builds and manages globally diversified, risk-aware portfolios tailored to each client’s plan and comfort with volatility. Portfolios typically include a mix of Equities (U.S. and international), Fixed income and cash equivalents, Carefully selected alternative asset classes where appropriate.
The goal is not to “chase the hottest idea,” but to construct institution-style portfolios that seek sensible, risk-adjusted outcomes aligned with your long-term objectives. Asset allocation, manager selection, and rebalancing are all handled for you, with clear reporting so you can see performance and fees over time.
Portfolio and Risk Analysis
Many prospective clients arrive with portfolios built over years—layered accounts, legacy positions, and strategies assembled by multiple advisors or institutions. Heirloom conducts a detailed portfolio and risk analysis to help answer questions such as:
How much risk are you actually taking today?
Are you concentrated in certain sectors, securities, or strategies?
Do your current holdings work together as a cohesive portfolio?
Are there hidden costs or inefficiencies?
From there, the firm can recommend changes to better align risk with your plan, improve diversification, and simplify the structure while being mindful of taxes when repositioning.
Tax Service
Tax Solutions
Tax Services
Taxes touch nearly every financial decision. Rather than treating tax as a once-a-year exercise, Heirloom incorporates tax considerations throughout the planning and investment process.
Income tax Preparation and Planning
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Tax Problem Resolution
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Bookkeeping
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Quickbooks Setup
dsadsadsa dsa dsad sad asd sad sad sad sad sad sad sadsdsadsadsadsa
Integration Benefits
Why Having It All Under One Roof Matters
Many high-net-worth investors already have an investment advisor, a CPA, and an estate attorney. The challenge is that those professionals often work in parallel rather than as a unified team.
Heirloom was designed to close that gap.
By integrating wealth management and tax planning—and coordinating with your legal and other advisors—the firm seeks to provide:
Clearer Decisions
Because investment, tax, and estate considerations are evaluated together, you can see trade-offs more clearly:
How a change in portfolio risk might affect your future spending
How a potential sale, exercise, or gift may affect your tax picture
How a new goal (a property, a venture, a legacy commitment) fits into the plan
This can make it easier to choose a path with eyes wide open.
Fewer Surprises
When professionals communicate and share a unified plan, there is less room for misalignment. While no strategy can eliminate uncertainty, integrated planning may help:
Reduce the risk of unexpected tax outcomes from major financial moves
Avoid strategies that work in isolation but conflict with other parts of your plan
Keep your estate, tax, and investment structures aligned over time
A Simpler Experience
Instead of managing multiple relationships and trying to translate between them, you have:
One primary team overseeing your holistic plan
A consistent process and meeting cadence
Reporting that pulls the pieces together in a straightforward way
For many clients—especially those already working with an advisor they are considering leaving—this integration and clarity are what they felt was missing.
If you are looking for a more cohesive way to manage your financial life, Heirloom can help you evaluate your options.
Book a Strategy Call Now
who feel that insurance and real-world risks are not being addressed with the same rigor as investments.
Book a Strategy Call Now
who feel that insurance and real-world risks are not being addressed with the same rigor as investments.
Our Services
Wealth Management
Your Paragraph text goes Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id.
Tax Solutions
Your Paragraph text goes Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id.
Services
Wealth Management
Tax Solutions
Solutions for
Retirees