A multi-family office brings investment management, tax planning, estate planning, and business advisory under one roof for a limited group of high-net-worth families. A traditional wealth manager typically focuses on investments, with tax and estate work handled by separate advisors you coordinate yourself. For business owners, that separation is where opportunities get missed.

Most owners we work with are generating $5M+ in annual revenue, or they're 3–5 years out from a potential liquidity event. Engaging early tends to matter more than people expect — entity structure, QSBS eligibility, and succession design all become harder to change closer to a transaction.

We work with them. Our role is coordination — making sure tax, legal, and investment decisions are built around the same plan. If a specialist is needed for a specific situation, we'll recommend one, but your existing team typically stays in place.

Entity structure, QSBS, Qualified Opportunity Zones, installment sales, charitable planning, and timing of income recognition are common areas we review. The right approach depends entirely on your business, your exit plans, and your long-term goals. We don't prescribe strategies in isolation.

Succession involves ownership transfer, leadership transition, and tax-efficient wealth transfer. Tools can include buy-sell agreements, family trusts, ESOPs, GRATs, and installment sales to grantor trusts. Which tools fit depends on family dynamics, business value, and your goals for what comes next.

XWEALTH is a fee-based California-registered investment adviser. We do not receive product commissions. Specific fee details, including calculation methods and schedules, are disclosed in our Form ADV Part 2A, available on the SEC's IAPD system and provided in full before engagement.