Keel Point Horizon Services

Keel Point Horizon is for people with substantial, multi-generational wealth in need of a more tailored approach to managing life and wealth. We provide educated counsel, unwavering capability, and highly personal service to help our clients leave an indelible impact.

Life Planning

Significant wealth requires a shared purpose to unite generations and direct financial and non-financial decisions. We guide our Horizon families through a collaborative process that builds clarity and consensus around their challenges, opportunities, and intentions. With this purpose in place, we then help families design and drive a unique plan of their own.
Read about the planning process that reveals your Keel Point >

For all Keel Point families, our goal is to provide peace of mind by adding value to clients’ lives through conscientious stewardship.

1) Organize

  • Financial Position Statement
  • Asset / liability consolidation
  • Cash flow summary
2) Planning

  • Define goals and objectives
  • Review risk tolerance
  • Financial statement optimization
  • Establish professional team
3) Implement

  • Execute course of action for goals
  • Construct recommended portfolio
  • Maximize tax efficiencies
  • Risk management strategy
4) Monitor

  • Retest financial plan for success
  • Update financial statement
  • Portfolio rebalancing
  • Review life & goal changes

Wealth Planning

Multi-generational wealth demands capabilities to ensure that all generations are well-served throughout the design process. Keel Point Horizon offers both the depth and breadth of experience to make certain that the many facets of a family’s worth are thoughtfully considered, and that every plan and action is aligned with the family’s purpose.

Investment Management

Managing a substantial investment portfolio requires a sophisticated, hands-on approach, one that protects principal yet also capitalizes on opportunities for growth in a way that makes sense for each family. Keel Point Horizon will create a unique, world-class investment strategy and continually monitor performance, recalibrating along the way as circumstances dictate.
Discover How Our Investment Philosophy Aligns with Your Keel Point >

Investment Philosophy

  • Driven by client mission, vision, values, and goals
  • Substantial depth of knowledge and leveraged thinking
  • Global perspective
  • Diversification through use of public, private, traditional and alternative investments
  • Tactical recognition of current investment environment
  • Team-based investment process
  • Investment portfolios reflect client character and realities

Personal Keel Point

Understand client mission, vision, values and goals

Confirm Client

  • Objectives
  • Desired experience
  • Expectations

Strategic Views

Global Perspective

Define Expectations

  • Return
  • Risk
  • Correlations

Alternative Investments

Tactical Views

Macro-economics

Market Scenario Evaluations

Potential Outcomes

  • Opportunities
  • Risks
  • Downside Avoidance

Enduring Portfolios

Reflect changes in life and outlook

Consider economic and market dynamics

Re-evaluate managers and strategies

Guidance on Giving

Giving to people, organizations and issues that are near and dear to one’s heart can reap a return well in excess of the money invested. Keel Point can help create new giving platforms, paired with existing opportunities, aligning with a family’s intentions to realize the most meaningful impact.

Family Management Services

Significant wealth often means the need for a variety of personalized, specialty services—from the management of non-cash assets to next generation education and mentoring. Keel Point Horizon offers a wide range of financial and non-financial capabilities tailored to meet a family’s unique needs across multiple generations.

Meaningful Impact. Multiple Generations.

Significant wealth brings great possibilities yet also great responsibility. Separating the self-worth from the balance sheet can be challenging, stirring emotions and straining relationships.
Keel Point Horizon comes together with families to discover, articulate, and build consensus around a family’s shared purpose. We then design and deliver a customized strategy, allowing families to invest with more confidence, give with more conviction, and create a meaningful legacy that will guide generations to come.
Service Offerings

Below, you’ll find a partial list of the wealth management services we provide at Keel Point. We understand every client’s needs and opportunities are unique, so we’ve assembled a diverse team of experts and partners to deliver the service that serves you most.

Wealth Design Services

  • Produce their customized Family Office Pro Forma
  • Draft their Personal Keel Point
  • Review estate documents to determine necessary changes in light of their Personal Keel Point
  • Diagram current estate plan
  • Design and implement revised estate plan
  • Transaction advice and succession planning
Estate Settlement Services

  • Coordinate work between the other professional teams
  • Facilitate the process of obtaining valuations of assets
  • Advocate for client during this process
  • Engage the team in recommendations of estate settlement decisions
  • Manage the process of distribution of assets including basis information
  • Facilitate the filing of required tax returns
Trust Administration Services

  • Perform search for trust company that best serves the family’s needs
  • Determine the liquidity requirements for the trust
  • Develop and implement a plan to meet the distribution requirements
  • Facilitate tax planning process
Lifestyle Management

  • Gather expense data and analyze monthly budget to actual expenses
  • Prepare monthly reporting on budget variances, cash flow and net worth
  • Cash Management Services
    • Conduct cash flow analysis
    • Develop and implement a plan to meet cash flow needs
Investments

  • Design and implement an investment family limited partnership
  • Review investments and entities; identify where investment strategies are not integrated
  • Design and implement optimal integration from an investment, tax efficiency, and family’s goals perspective
Private Investments

  • Review current private investments including historical activity, tax basis, future cash impact, estimated value, etc.
  • Provide counsel and advice as necessary related to troubled private investments
  • Determine allocation for additional private investments
  • Perform due diligence and recommendation on specific offer to invest in private deal
  • Unique asset services including airplanes, private art collections and historic collections, non-primary residences, horse farms, etc.
Family Education, Coaching and Mentoring

  • Counsel on family matters
  • Conduct individual interviews with family members
  • Determine three-year family learning goals
  • Develop and implement curriculum to meet goals
  • Develop an age-appropriate communication plan within the family
  • Plan and lead family meetings
  • Encourage and moderate family philanthropic discussions
Philanthropic Services

  • Develop family philanthropic vision statement
  • Facilitate annual meetings
  • Facilitate annual Form 990 tax filings
  • Develop and implement process for making required distributions
  • Work with charities on required information regarding gifting; including foreign charities
  • Provide donor due diligence for grant requests
  • Provide oversight on grants made
  • Track grant requests, maintain giving history and pledge fulfillment
Tax Services

  • Overall tax coordination with tax accounting, including tax projections and analyses
  • Work with accounting firm to identify planning opportunities
  • Inform accounting firm of actions which impact income tax filings, i.e., charitable contributions, purchases and sales, etc.
  • Determine liquidity and process estimated tax payments
  • Facilitate the filing on income tax returns
Insurance Services

  • Review of life insurance coverage
    • Determine adequate life insurance coverage
    • Identify and address any issues with the life insurance policy
    • Is it owned by an Irrevocable Life Insurance Trust (ILIT)? Should it be owned by an ILIT?
    • Plan and implement premium payment plan
    • Facilitate Crummey power notices
  • Review property and casualty, auto, home and umbrella policies to determine if adequate coverage
    • Inform professionals of changes that impact coverage
  • Health, disability, long-term care review and advice
  • Assist in administering medical and insurance convenience account
Strategic Relationships

At certain levels of affluence, a single firm can not be all things to all families across all financial and legal arenas.

For those key disciplines in which we do not possess in-house expertise, we have a hand-selected network of strategic partners whose integrity, expertise and quality have been researched and thoroughly tested.

Our Strategic Relationships include:

 

  • Estate and Trust Attorneys
  • Real Estate Attorneys
  • Corporate Transaction Attorneys
  • Certified Public Accountants
  • Philanthropic Advisors
  • Real Estate Development Companies
  • Traditional Investment Managers
  • Non-traditional Investment Managers
  • Private Equity Firms
  • Advanced Insurance Design Firms
  • Health Advocates
  • Property & Casualty Insurance
  • International travel – security, medical and emergency evacuation services
  • New relationships are formed as needed to meet each family’s unique needs

Regardless of where you live or work, we provide access to some of the best minds in the business. You gain access to the kind of talent and expertise available in a large metropolitan area without ever having to leave home.