Serving Emerging Affluent and Affluent Individuals and Families…

We work to gain a comprehensive understanding of their goals and dreams by digging deeper to determine how they see success and define a meaningful life. We know through our experience that what constitutes success means different things to different people and its definition varies based on individualized values, priorities, and life stages. It is always our goal to seek deep understanding and illuminate how different generations, wealth levels and genders perceive and prioritize success as they define it.

In families, we work diligently to encourage shared financial responsibility for the wealth created. This results in family members being empowered no matter what happens in life. We also possess a deep understanding of family dynamics and the influence that wealth can have on children, young adults, and even grown-up adults whose parents are a senior generation. Ultimately, our work leads to clients owning clarity, confidence, and control over their financial lives.

Serving Successful Middle Market Businesses…

We tend to the complex and dynamic needs of the “job-creators”, the “innovators”, the “impresarios”, and the successful individuals and families that took a Good Concept and made it into a Great Business. Our clients are middle market business owners, successful firms with revenues that range between 10 million and 1 billion. In the USA, there are about 200,000 firms like these spread nationwide.₁

Our Expertise and Understanding of Middle Market Businesses…

We understand the needs of our clients, the needs of the generations before them, and the needs of the legacy ahead of them. Our Multigenerational approach to Wealth Preservation and Accumulation allows us to give a unique client experience. After all, it is not easy being Middle Market Business Owners, who are responsible for about 30 million jobs and compromise a third of the 30 trillion dollars of the gross receipts in the US Private Sector.₂

The Middle Market is a critical part of the American Economy and a key engine of job creation, accounting for most new U.S. jobs since 2008. A lot of the companies in this demographic are strongly concentrated in service-orientated activities such as B2B services, educational services, and health services. Other fields with a high concentration of Middle Market companies are retail and/or wholesale trade, manufacturing, or construction-related enterprises.

Our Middle Market Business Clients…

Many of our clients are multigenerational family businesses. Many wishes to continue the family enterprise on into the next generations as a legacy company as part of a monumental shift of wealth currently occurring in the United States of America. Our understanding of how to create the unique intertwined framework of personal wealth and business equity wealth has developed out of keen interest to help these businesses be successful multi-generationally.

We recognize not every financial advisory firm is well-suited to serve business-owning families. Entrepreneurs represent a distinct segment of our country that intertwines their personal and business finances, making their financial situations more complex than clients with more traditional income streams. Middle-market entrepreneurs face unique risks and stressors, such as the potential for business failure, higher taxation, litigation, and employee matters that can directly affect their financial health.

We have developed a deep understanding of business cycles, tax implications of business ownership, and strategies for business growth and succession planning. We stress-test businesses to minimize risk and increase tax efficiency. We proactively anticipate the needs of our entrepreneurial clients, often advising on matters before the client recognizes the need themselves.

Our Lower End of Middle Market and Middle Market clients are a critical part of the American Economy and a key engine of job creation, accounting for most new U.S. jobs since 2008. These companies in this demographic are strongly concentrated in service-orientated activities such as B2B services, educational services, and health services. Other fields with a high concentration of Middle Market companies are retail and/or wholesale trade, manufacturing, distribution, or construction-related enterprises.

If all the Middle Market firms banded together and decided to create their own country, said, the country would have the fourteenth largest Gross Domestic Product.₃

Middle Market Characteristics…

If you look up Middle Market in the dictionary, you will find that there is no official definition for that word. It’s a business term that colloquially refers to those firms that are not billion-dollar institutions that come to mind when we think of Corporate America, but at the same time, they are not your more prevalent lifestyle businesses that have revenues under a million dollars.

We break it down into four (4) subsets:

  • Small Businesses – Revenues range from $1M to $5M.
  • Lower End Middle Market Business – Revenues range $5M to $50M
  • Middle Market Business – Revenues range from $50M to $500M
  • Upper Middle Market Business – Revenues range from $500M to $1B.

The U.S. Middle Market generated about $10 trillion in combined revenues in 2021. If the U.S. Middle Market were a country, it would have the third-highest GDP in the world (Ref 1 & 2) The American dream of entrepreneurship is reflected in the Middle Market, as it is a diverse segment of the economy that is spread across all market sectors and includes publicly and privately held firms, family-owned companies, partnerships, and sole proprietorship.