Family financial stewardship
Are your children prepared for the family wealth that will one day be theirs? Our team has the knowledge and experience to help you build a comprehensive estate planning strategy to help protect all you've achieved and comfortably transition those assets to future generations.

Our planning process begins with deep discovery conversations that will fully identify your priorities, goals, concerns and values—all factors that can help prepare the next generation for the responsibilities of carrying on your legacy—and building their own. We'll include your trusted tax and legal advisors to ensure the plan is tailored to your wishes and our recommendations are aligned.

Because family matters most to our clients, we can also work together to facilitate important family meetings where sensitive planning conversations can take place. First and foremost, you’ll find that our advice is based on much more than assets, but on people and how we can work together to help them take care of those they love.

Building confidence during and after divorce
Do I have enough to maintain my lifestyle—and for how long? How will our childrens lives be affected? What happens to their financial future? To our team, one thing is certain: Life begins again after divorce. We'll be by your side every step of that journey, but our first priority is helping you take control of your wealth and build a solid financial infrastructure that eases worry and instills confidence for the road ahead.

With longer life expectancies, couples are divorcing later than ever, putting women who haven’t been involved in financial decisions even further behind in preparing for solo financial life. Whatever your age, no matter how challenging divorce may be, don't underestimate the power of knowledge, advice and a team that is on your side. Working with us, you will have the resources you need to make a fresh start.

Property and assets
We'll help you sort through the many planning issues that may arise as you make these important decisions.

Retirement funds
It's likely that your most substantial asset, besides your home or business, is your retirement fund. Money in either spouse's 401(k) or pension plan may legally be divided during a divorce. We'll help you clarify ownership of those assets and align the best strategy for your long-term goals.

Your balance sheet
We'll look at both sides of your balance sheet, what you own and what you owe, to help you make long-term planning decisions.

The family business
A family business tends to be the most valuable asset of a marriage. Typically, it is also inherently illiquid. That means that it is difficult to divide in a divorce. Up to 90% of businesses in the United States are family businesses.¹ With divorce rates so high, it should be no surprise that if protective steps are not taken in advance, divorce can result in not just the breakup of the family but also of the family business.

Estate planning strategies
Be sure to review your will and all of your beneficiary designations, including life insurance, retirement account and other documents. We'll work with you and your estate planning attorney to review estate tax laws and amend your estate planning strategy accordingly.

¹ “Economic Impact of Family Businesses—A Compilation of Facts,” Tharawat Magazine, Issue May 22, 2016 (cited in Family Firm Institute, Inc., Global Data Points, www.ffi.org/page/globaldatapoints).

Exit strategies and liquidity planning
Should I sell or pass it on? Do our children even want the business? The decision to step back from your business or to exit completely is rarely simple. It’s never too soon to get advice from those who understand the issues you’re facing and can guide you each step of the way.

Every day we work with business owners and their families as they take their companies through transition events—whether through succession or sale. Our early involvement in your transaction enables us to engage all of the resources needed to prepare your business, maximize the value of the event, but also help you prepare the next generation for taking the reins. Our focus is to help you confidently pursue your life’s goals post-sale. To help inform our recommendations about deal structure, valuation opportunities and tax considerations, we’ll coordinate with our network of both third-party and UBS experts in:

• Estate planning
• Tax management
• M&A advisory services
• Private equity and debt financing
• Risk management

Charles Day In the Media

• Financial Planner—“Advisors find new routines and coworkers during coronavirus” (May 2020)
• Bloomberg —“Clients should leave stock bubbles to day traders” (June 2020)
• Financial Planner—“Rich clients should leave stock bubbles to day traders” (June 2020)
• Bloomberg|Quint—“Wall street frets over investing 101 as hedging gets dangerous” (June 2020)
• Reuters—“USA stocks weekahead/wall st week ahead investors raise cash as us recovery wobbles options strategists profit” (July 2020)
• Reuters—“Stock market live updates futures dip jobless claims ahead” (July 2020)
• ReutersCNN—“Blue chips get all the attention. But small stocks are rising, too” (August 2020)
• LA Times—“Apple’s stock split will curtail its huge influence on the Dow ” (August 2020)
• CNBC—“Five-day win streak, Gold new high, Nasdaq record close” (August 2020)
• Business Insider—“Gold's rally may have paused, but the world's biggest wealth manager still thinks a 10% allocation to bullion is 'not a bad move right now'” (September 2020)
• Wall Street Journal—“Dow Rallies Above 29000; S&P 500, Nasdaq Hit Fresh Records ” (September 2020)