We help families, business owners, and professionals with assets from $5M - $125M manage legal, financial and tax matters with clarity and confidence.
Net worth greater than $8M demands institutional-grade wealth protection that typical estate planning cannot provide. We architect multi-generational structures that shield assets from litigation, minimize estate taxes, and create tax-efficient wealth transfer mechanisms. The difference between adequate and exceptional estate planning can be measured in millions—ensure your legacy survives intact.
High-consequence transactions require counsel that understands both sophisticated wealth structures and complex business operations within the context of a larger vision. From multi-million-dollar acquisitions to family office governance, we can provide strategic legal architecture that protects significant assets while enabling growth. Your challenges deserve counsel that supports your larger vision.
Significant wealth creates significant exposure. Our comprehensive risk assessment identifies vulnerabilities across your entire financial ecosystem—from asset protection gaps to operational blind spots—then implements institutional-grade solutions. The cost of inadequate risk management at your wealth level can be catastrophic. Don’t discover gaps too late.
Managing $5M to $100M+ requires more than investment selection—it demands custom portfolio architecture coordinated with sophisticated retirement and estate planning structures. We integrate tax-efficient investment strategies with estate vehicles that maximize the benefits of particular holdings across multiple family members and generations. Your wealth deserves personalized management that adapts as your life evolves while preserving and growing legacy capital.
High net worth portfolios require strategies beyond traditional asset allocation. We analyze and help construct sophisticated investment architectures using tax-efficient structures, purpose driven investment sleeves, and direct investment opportunities. Access the investment sophistication your wealth level deserves.
Whether scaling to nine figures or structuring succession, business owners at your level face decisions with multi-million-dollar implications. We provide strategic oversight and operational expertise that guides complex transactions, optimizes structures, and maximizes enterprise value. Your business success demands advisory sophistication that matches your achievement.
Multi-million-dollar real estate portfolios require structures that optimize tax efficiency, limit liability, and facilitate estate planning objectives. From strategies to offset capital gains outside 1031, to properly segregating costs, to avoiding depreciation recapture we architect real estate strategies that work within your broader wealth strategy. Structure your property investments like the significant assets they are.
Insurance as Strategic Wealth Architecture
For affluent families with $5-200M in assets, insurance isn’t just protection—it’s a strategic financial tool that preserves and enhances wealth across generations, capable of multiplier effects.
Estate Tax Liquidity: Life insurance creates immediate liquidity for estate taxes without forcing asset sales. A $50M estate facing 40% estate taxes needs $20M in liquidity—insurance can provide this at a fraction of the cost while preserving the full estate for heirs.
Business Continuity Protection: For business owners and executives, your enterprise represents the majority of your wealth. Key person insurance and buy-sell agreements protect against losing critical leadership. Without this protection, a $100M business could lose 60-80% of its value overnight.
Long-Term Care Risk Management: Extended care costs averaging $10, 000+ monthly can rapidly erode substantial portfolios. Asset-based long-term care insurance protects your legacy while ensuring premium care, preventing the need to liquidate appreciating assets during market downturns.
Tax-Advantaged Wealth Transfer: Properly structured insurance policies move significant assets out of taxable estates while providing income-tax-free death benefits to heirs—often achieving transfer ratios of 5:1 or better.
Guaranteed Income Floor: Even with substantial assets, market volatility can threaten retirement income. Guaranteed income products provide certainty, allowing the rest of your portfolio to pursue growth without income pressure, and preserve assets during market downturns.
Proper Insurance Structuring transforms a cost center to a strategic asset that enhances your portfolio’s risk-adjusted returns while providing the certainty needed for long-term wealth planning at your level.
Alternative assets can unlock institutional-grade strategies frequently reserved for endowments and pension funds.
Manager Access and Vetting: We may be able to secure reduced minimums, preferential fee structures, and allocation in capacity-constrained strategies that typically require $2M+ investments. We conduct institutional-level due diligence and ongoing performance monitoring for clients that may benefit from alternatives. Our expertise navigates complex structures, tax implications, and liquidity considerations that can trap less experienced investors.
Multi-Strategy Hedge Funds: Vetted managers pursuing flexible alpha-driven strategies, seeking higher performance than typical market returns while also targeting effective downside management.
Offshore Income Funds: Tax-efficient structures domiciled in favorable jurisdictions may provide income opportunities while potentially minimizing U.S. tax obligations through sophisticated international tax treaties and strategies.
Real Estate Funds: May provided uncorrelated income and appreciation without the liabilities that can accompany direct investment.
Midstream Master Limited Partnerships (MLPs): Energy infrastructure MLPs provide exposure to essential pipeline and storage assets with attractive tax-advantaged income characteristics and potential inflation hedging benefits.
Strategic Charitable Giving: Tax-Efficient Philanthropy
For families with $5-200M in assets, charitable giving transcends generosity—it becomes sophisticated tax and estate planning. Our expertise transforms philanthropic goals into powerful wealth preservation strategies. We work with you to select Advanced Giving Structures including Donor Advised Funds, Charitable Remainder Trusts, and private foundations designed to let you support your giving objectives while making your philanthropy part of your tax and estate planning architecture
Unified expertise means faster, smarter decisions without conflicting advice
Every move across taxes, investments, and legal structures is coordinated towards your success
Build resilient systems to protect your family, your business, and assets across generations
Our integrated teams of experts deliver coordinated, strategic solutions across every area of your business and financial life. Instead of fragmented advice from individual professionals working in isolation, you gain a united front of specialists – collaborating to achieve the strongest possible outcomes for you and your Legacy.
Tracy Miller began her career after attending San Diego State University, where she received her Bachelor’s Degree. She later received her Master’s from the University of the Rockies.
Tracy has taken her past experiences and evolved into her position as the Specialist Liaison. All the roles she has held have been client/people-forward, and she has helped to guide and investigate to problem-solve, which she continues to excel in.
She currently lives in Pasadena, CA. Outside of work, Tracy is a Yoga teacher (loves to teach and take classes), avid baker and cook, and enjoys a good book.
Tracy’s focus is facilitating the collaborative relationships between the Planning Teams members and the Specialist Community.
Born and raised in Southern California (don’t hold that against me), I’ve spent most of my career building, rebuilding, and breathing new life into businesses across a range of industries. In 2022, I decided to take a step back and “retire,” relocating to Texas for what I thought would be a well-earned break.
That experiment lasted six months.
Then reality became clear: my time and expertise are most valuable when applied to the challenges facing successful families and business owners. I get excited about helping people – I’m a relationship person that thrives on connection. Helping people shape their ideas into something real and lasting is energizing and rewarding.
But what I do isn’t simple relationship management – as part of the Fortress Planning Team and operations coordinator for ACI Wealth Advisors, I help families develop and implement their vision of wealth architecture, helping create a brighter future for themselves and the people in their lives.
I have over 30 years of senior management experience in diverse markets, products, and businesses, including management roles in two Fortune 500 companies and leadership of more than 5,000 employees. My specialization is in identifying and fixing management and operational problems in multiple phases of the business cycle. This background helps me provide operational and macro perspective, including business cycle impact, on the investments ACI makes for client portfolios. I enjoy being a consultant for ACI and believe doing so has a positive impact on ACI investment decisions.
I was also part of the decision to systemize specific risk strategies to allow ACI to build custom portfolios for every client using a mix of risk adjusted portfolios, giving the firm a service offering unlike other fiduciary investment advisors. The power of customized investment portfolios is something everyone can benefit from. ACI is making that possible.
As former Vice Chairman of a $3 billion mortgage company, advisor on four private equity restructurings since 2018, I’ve guided businesses through strategic repositioning, operational optimization, & succession planning while navigating institutional capital structures under pressure. I’ve been the Chief Market Strategist at ACI Wealth Advisors since 2011, and I’m the Portfolio Manager for the ACI Bull Harbor Fund so I understand the impact that the right or wrong decisions can have on the success (or failure) of companies in multiple industries under a wide spectrum of market conditions. These are the same complex challenges that define wealth management at scale.
A 1995 University of Virginia graduate and serial entrepreneur, I’ve founded multiple companies and walked the same business & personal growth journey as many of our clients. Having operated at the C-suite level while building businesses or restructuring businesses, I understand both the entrepreneurial mindset that creates significant wealth and the institutional frameworks required to preserve it.
This dual perspective—combining operational experience with strategic planning expertise—proves invaluable when coordinating the moving parts of $5M to $100M+ family wealth. The same skills that guide complex corporate restructurings now architect comprehensive wealth strategies that can transform accumulated assets into lasting legacy.