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3 Major Financial Challenges of High-Net-Worth Individuals


High-net-worth individuals face unique financial challenges. Here are the three of the biggest we typically encounter.

Wealth Transition

You want to pass on your wealth to the people and causes of your choosing, not to the government. This requires ample preplanning with your advisors, attorneys, and insurance providers.

Tax Complexities

Reducing your tax bill during your lifetime is another challenge. The way you structure your businesses, real estate holdings, and investments all have an impact. Once again, it’s important to work with a team of experts.

Risk Management

With greater wealth comes increased exposure to risk. You have greater loss potential than the average policyholder, so traditional insurance coverage may neglect certain liabilities, assets, or properties that are more difficult to insure.

Are there other challenges? Absolutely, but these are three we see on a regular basis.

If these challenges resonate with you, you should work with a financial advisor, seasoned in high-net-worth financial planning strategies.

We can integrate all aspects of your finances and life goals. Click here to speak with an advisor about how we can help you with all the important retirement planning areas.

If you are approaching retirement, you may want to download our retirement checklist to see how prepared you are.


This content is provided for informational purposes only. It is not a guarantee of future success, is subject to change, and is not intended to serve as the basis for an individual’s financial decisions. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Strategy Financial Group does not provide specific legal or tax advice. Please consult with a qualified professional for guidance on your individual situation. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.