What is a family office?

A family office is a dedicated team that specializes in understanding the complexities surrounding wealthy families. These teams excel at developing and executing unique and often complex strategies designed to put wealthy families in the best possible position, for this generation and generations to come..This often includes investment and asset oversight, tax, estate, and legacy planning, and coordinating the work of these trusted professionals to carry out and pass down the mission and values of the family with legal and accounting professionals. At JNBA, we work closely with families to bring clarity and continuity to their financial lives.

What are the types of family offices?

There are typically two types of family offices: single-family offices and multi-family offices. Single-family offices are designed to serve a single family exclusively, often with in-house staff managing everything from investments to administrative tasks. Multi-family offices serve multiple families while offering the same high-touch, customized services. This structure allows families to benefit from deep expertise and comprehensive support, without the cost and complexity of building an internal team.

Do you need a family office?

You might benefit from a family office if your financial world is growing more complex and you’re seeking a more intentional, integrated approach to wealth management. This could involve managing a business, coordinating wealth across generations, or overseeing complex investments and planning needs. A family office provides structure and alignment, simplifying decision-making and supporting long-term goals.

What makes JNBA’s family office services different?

JNBA's family office services provide thoughtful, hands-on support through our dedicated advisory team. We coordinate the many aspects of your financial life, from investment management to estate planning, while working collaboratively with your existing professionals. Our approach is tailored to your family's unique financial planning needs and designed to help you make informed, confident decisions.

Ultra-High-Net-Worth Wealth Management

A Wealth Management Partner Worthy of What You’ve Built.

Your wealth is the result of decades of discipline, risk, and vision. At JNBA Financial Advisors, we work alongside ultra-high-net-worth individuals and families to provide comprehensive, fiduciary-led wealth management that is built around your life, not a template.

What Ultra-High-Net-Worth Means at JNBA

At JNBA, ultra-high-net-worth (UHNW) clients are individuals and families with $30 million or more in investable assets. This level of wealth is categorically different from high net worth, not just in scale, but in complexity. At this threshold, financial decisions ripple across generations, business entities, and family dynamics.

If your investable assets fall below the $30 million threshold, JNBA also works with high-net-worth individuals. Learn more about our services for individuals and families.

Services for Ultra-High-Net-Worth Individuals

JNBA offers a full suite of services designed specifically for the needs and intricacies that come with significant wealth. From protecting what you have built to ensuring it reaches the people and causes that matter most to you, our team handles every aspect of your financial life with expertise and care. Each service is delivered as part of a coordinated strategy rather than a standalone offering, so your investments, tax position, estate plans, and philanthropic strategies all work together to achieve your goals.

Charitable giving strategies
Legacy planning assistance
Tax strategies and tax professional collaboration
Personalized investment strategy
Wealth transfer planning
Risk management and asset protection
Family governance support
Business strategy
Real estate management
Bill pay support

Why UHNW Individuals Need a Unique Approach

When wealth reaches the UHNW level, the priorities shift. The primary goal is no longer accumulation; it is preservation, continuity, and intentional transfer.

The financial situation becomes far more intricate, often spanning multiple corporate entities, trust structures, generations, and business interests. This also often includes a team of professionals, including attorneys, accountants, insurance agents, real estate brokers, and trustees, who must all operate in alignment.

A generalized approach to investment management for high-net-worth individuals is not enough. UHNW clients need a financial advisory firm that understands the interconnections among their investment strategy, estate, philanthropic vision, and family’s long-term well-being. This is where family office services become essential, and where JNBA’s approach is purpose-built to deliver.

JNBA’s Approach as a UHNW Financial Advisor

JNBA provides a concierge-level service that addresses every dimension of your financial life, from high-level strategy to day-to-day implementation, with tailored fiduciary oversight at every step.

Our team brings direct experience working with C-level executives, business owners, and multigenerational families. We know that your time is finite and your privacy is non-negotiable. Our role is to simplify the complexity, coordinate the moving parts, and give you confidence that your family’s finances are being managed with precision and care.

We also integrate seamlessly into your existing network of professionals. Rather than operating in isolation, we work alongside your legal, tax, and insurance team to ensure a cohesive approach to every decision. JNBA also has a vast network of skilled professionals that we can connect you with if you’re in need of a change with your current team.

What Makes JNBA Different

JNBA was built to serve clients like you, and our track record reflects that commitment. Our 97% client retention rate (which we’ve maintained since tracking began in 2001) speaks for itself: when people choose JNBA, they stay. That is the result of a firm that works to treat client relationships as a lifelong partnership, not a transaction. By working with us, you’ll benefit from:

A lifetime partnership that helps you reach your goals and lifestyle
Fiduciary standard upheld at every stage of the planning and investment process
Personalized service with dedicated advisors who know your full financial situation
Coordination across legal, tax, estate, and investment professionals
A baseline of strict confidentiality and discretion

UHNW Wealth Management FAQs

What is ultra-high-net-worth wealth management?

Ultra-high-net-worth wealth management refers to the specialized financial planning and advisory services designed for individuals and families with $30 million or more in investable assets. Unlike traditional wealth management, which focuses on investment growth, UHNW wealth management takes a holistic view of a client's financial life. The scale of UHNW finances requires advisors with deep expertise, dedicated resources, accessibility, and a fiduciary commitment to acting in the client's best interest.

How do UHNW services differ from traditional investment and wealth management?

Traditional wealth management tends to focus on foundational financial planning recommendations and traditional investments, while UHNW services go significantly further. At this level, the work typically encompasses multi-generational estate planning, sophisticated tax strategies across multiple entities and generations, and full-scale family office support.

How to choose an ultra-high-net-worth management firm?

Choosing the right firm starts with understanding what you actually need. At the UHNW level, you should look for a firm that operates as a fiduciary, specializes in working with clients at your wealth tier, and offers truly integrated services rather than siloed products. Ask the firm questions, such as how they work with your existing legal and tax professionals. Find out what their client retention looks like and whether you will have a dedicated advisor who knows and supports all of your needs.

How often should UHNW clients review their wealth management strategy?

Given the complex number of moving parts involved at this level, UHNW investment management requires ongoing, frequent attention rather than periodic check-ins. Portfolios should be monitored regularly to stay aligned with market movement. Broader financial plans, on the other hand, should be reassessed whenever circumstances change, whether due to a major life event, a business transaction, or evolving priorities. At JNBA, our team reviews client portfolios on a 10-business-day review cycle so opportunities can be identified.