Wealth Management Through Life’s Transitions
Some people search for a financial advisor because they want better investment performance.
Most people search because something changed.
At Apriem Advisors, we help individuals and families make smart financial decisions during life transitions, when the stakes are high and the path forward can feel unclear.
Whether you are preparing for retirement, navigating a divorce, receiving an inheritance, selling a business, or planning for the next generation, our team provides thoughtful wealth management and financial planning designed to support you through every transition.
Financial Planning and Wealth Management for Major Life Events
Life transitions often come with major financial decisions involving taxes, investments, retirement accounts, estate planning, and long term financial security.
During these moments, people are often searching for a financial advisor because they need help answering questions like:
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Can I retire now, and how do I create retirement income?
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What should I do after receiving an inheritance?
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How do I protect myself financially after divorce?
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How should I invest after selling a business?
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How do I plan for my children and grandchildren?
At Apriem Advisors, we provide thoughtful wealth management and financial planning built around real life events, not generic checklists.
Who We Work With
Below are some of the most common life transitions our clients experience.
Each page goes deeper into the planning strategies, tax considerations, and common mistakes to avoid, so you can make informed decisions and move forward with confidence.
taxation planning
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Retirement Planning and the Retirement Transition
Retirement is not just about saving enough. It is about turning savings into income, managing taxes, and creating a plan that supports your lifestyle for decades.
We work with individuals and couples who are asking questions like “Can I retire now?” and “How do I create reliable retirement income?”
Common areas of retirement planning include Social Security timing, tax efficient withdrawal strategies, investment risk management, healthcare and Medicare planning, and long term legacy planning.
Inheritance Planning and Sudden Wealth
Receiving an inheritance can be emotional and overwhelming. It can also create complex financial decisions involving taxes, investing, and estate planning.
We help clients who are searching for guidance on what to do after inheriting money, including how to invest inherited assets and how to handle inherited IRA rules.
Inheritance planning often includes tax planning, updating beneficiary designations, coordinating with estate attorneys, and building a long term strategy for the wealth you have received.
taxation planning
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Selling a Business and Liquidity Event Planning
Selling a business can create financial freedom, but it can also create major tax exposure, investment complexity, and long term planning questions.
We work with business owners and executives who want a plan for what happens after the sale, including how to invest proceeds, how to reduce taxes, and how to build a long term wealth strategy.
Liquidity event planning may include investment diversification, charitable giving strategies, retirement planning after a business sale, and estate planning to protect and transfer wealth.
Divorce Financial Planning
Divorce is a major personal transition and a major financial turning point. It often comes with complex decisions around assets, income, taxes, and long term financial security.
We support clients who are searching for a financial advisor during divorce or financial planning after divorce, especially when evaluating settlement options and understanding retirement account division.
Divorce financial planning often includes cash flow restructuring, investment planning, tax strategy, insurance review, and updating estate planning documents after the divorce is finalized.
taxation planning
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Financial Planning After the Loss of a Spouse
Losing a spouse is one of the most difficult transitions in life. It can also bring urgent financial decisions, sometimes at a time when you feel least prepared to make them.
We help surviving spouses and families navigate what to do financially after a spouse dies, including organizing accounts, updating financial plans, and understanding survivor benefits.
This type of planning often includes Social Security survivor benefit decisions, tax planning, investment and income planning, and long term financial strategy for the next chapter.
Generational Wealth Planning and Legacy Planning
For many families, the goal is not just financial security today. It is building a plan that supports children, grandchildren, and future generations.
We help families with generational wealth planning and legacy planning, including strategies for wealth transfer, estate planning coordination, and tax aware long term planning.
This often includes trust planning support, beneficiary strategy, charitable giving, and helping families create a thoughtful plan for how wealth is managed and passed forward.
taxation planning
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Career Changes, Income Growth, and Executive Financial Planning
A major income increase can create new opportunities, but it can also create new tax challenges and new planning decisions.
We work with professionals and executives who are searching for help with high income financial planning, tax planning, and building an investment strategy beyond retirement accounts.
Executive financial planning may include equity compensation strategy, concentrated stock risk, tax efficient investing, charitable planning, and building long term goals such as early retirement or work optional planning.