The Harmony Family Office

Many companies are staying private longer, which means value may be created before shares are available in the public markets. We can help evaluate private market opportunities and provide access to Morgan Stanley's broader private markets platform.

Our portfolio management team builds customized investment strategies designed around each family's goals, risk profile, income needs, liquidity requirements, tax considerations, and time horizon. We draw on Morgan Stanley's global research and investment resources while tailoring recommendations to the realities of each client's financial life.

Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Advanced tax planning considers much more than just your portfolio; it includes coordination with your entire estate. We analyze your entire estate alongside your CPA to uncover potential tax-reducing opportunities.

For qualified investors, alternative investments may help broaden opportunity and diversify risk. We can help evaluate strategies across private equity, commodities, hedge funds, real estate, exchange funds, limited partnerships, and other nontraditional investments based on each client's objectives, liquidity needs, and risk tolerance.

Significant wealth often requires careful coordination across generations, trusts, entities, real estate, business interests, and charitable goals. Working with a family's attorneys and tax advisors, we help unlock and organize the planning process and evaluate strategies such as GRATs, SLATs, CLATs, family partnerships, and other trust and estate structures.

We help families turn charitable intent into a thoughtful giving strategy. This may include donor advised funds, charitable trusts, family foundations, gifting of appreciated assets, and family conversations around mission, values, and impact.

We help manage the details that often come with significant wealth, from coordinating advisors and planning meetings to helping organize records, track action items, and support family decision-making. Our goal is to make the family's financial life feel more seamless through our service.

Liquidity planning is often where strategy becomes real life. We help families think through cash flow, borrowing, large purchases, business needs, real estate goals, and short-term liquidity so decisions can be made thoughtfully and without unnecessary disruption to the broader plan.

For business owners, the company is often both a life's work and a major part of the family's wealth. We help clients think through the full lifecycle of ownership, from growth and liquidity planning to succession, sale, family transition, and life after the business.

We can help coordinate investment strategy, lending, estate planning, tax-aware planning, insurance, charitable goals, and family governance alongside the clients' outside advisors.

Wealth transfer is not only about assets. It is also about education, communication, responsibility, and values. We help families prepare the next generation through planning conversations, family meetings, financial education, governance support, and coordination with trustees and other advisors.

Our goal is to help heirs understand the wealth they may one day steward and the responsibilities that come with it.

A liquidity event can be one of the most important financial moments in a family's life. Whether it involves selling a business, monetizing stock, receiving an inheritance, or preparing for an IPO, we help clients build a clear plan before decisions need to be made.

That plan may include managing taxes, diversifying risk, creating liquidity, evaluating estate planning strategies, preparing family members, and determining how the proceeds should support long-term goals.

Executives often have compensation and planning needs that require close attention. We help clients navigate equity compensation, concentrated stock, vesting schedules, insider trading rules, retirement planning, liquidity needs, and long-term diversification.

Common areas include:
•Non-qualified stock options
•Restricted stock units
•Performance stock units
•Restricted stock awards
•Deferred compensation
•10b5-1 planning

Ultra-high-net-worth families often have wealth spread across many areas: investment accounts, trusts, family partnerships, operating businesses, real estate, charitable vehicles, and private investments. We help organize these pieces into a coordinated plan.

Our work often includes portfolio management, lending, estate and trust coordination, family governance, philanthropic planning, and ongoing support for the day-to-day details of a complex financial life.

For highly compensated employees, wealth may build through several forms of compensation beyond salary. We help clients understand and manage RSUs, ESPPs, deferred compensation, incentive stock options, non-qualified stock options, stock appreciation rights, and other benefits.

We focus on helping clients make informed decisions around taxes, concentration risk, liquidity, diversification, and long-term planning.