How Apriem Coordinates Investment, Tax, and Estate Planning as One Team

Apriem’s wealth management and financial advisory services coordinate investment management, tax planning, and estate planning as one ongoing relationship, rather than as separate, disconnected pieces. Most financial decisions don’t actually happen in isolation, even when they’re handled that way. A decision about when to sell an investment has tax consequences. A decision about how to title an account affects how it passes to heirs. A decision made in an estate plan can change what makes sense in a portfolio. At Apriem, we take a holistic approach, one that tends to a client’s entire financial picture as a connected whole.

Why financial decisions don’t work well in separate silos

When investment management, tax planning, and estate planning are handled by professionals who aren’t talking to each other, the client becomes the one responsible for making sure the pieces fit. That’s a real burden, and it’s an easy place for something to fall through the cracks, a beneficiary designation that no longer matches a will, a tax-loss harvesting opportunity nobody flagged before year-end, an investment allocation that doesn’t account for a trust’s distribution requirements.

Coordinating these disciplines as one team doesn’t mean one person is expert in everything. It means the people who are experts in each piece are working from the same complete picture of the client, and are actually communicating with each other about it.

What a holistic approach actually looks like in practice

For Apriem, holistic planning means a client’s investment strategy, tax situation, and estate plan are reviewed together, not on separate schedules by separate teams. Changes in one area are considered in the context of the others, as applicable. A recommendation about a Roth conversion, for example, gets evaluated for its tax impact this year, its effect on the portfolio’s overall allocation, and how it fits into the client’s broader estate and legacy goals, not just whether it makes sense on its own.

Investment management, supported by an in-house Investment Team

Investment management is handled by Apriem’s in-house Investment Team, which works alongside our Wealth Management and Financial Planning teams. Rather than treating the portfolio as a standalone piece, the Investment Team can consider the client’s financial plan, tax circumstances, cash flow needs, risk tolerance, time horizon, and estate planning goals when managing the portfolio. This team-based structure allows investment decisions to be coordinated with the broader planning work being done for the client.

Investment management at Apriem isn’t handled as a standalone function. Decisions about rebalancing, tax-loss harvesting, and account location (which assets sit in which account types) are made with a client’s full tax picture and estate plan in view, not just their risk tolerance and time horizon.

Tax planning, in coordination with your CPA*

Tax planning is part of Apriem’s financial planning process, where our Financial Planning team considers tax implications as part of a client’s broader financial plan, while our Investment Team incorporates tax-aware strategies into portfolio management, including considerations such as tax-loss harvesting, asset location, and the timing of investment transactions where appropriate. 

When a planning decision requires coordination with a client’s CPA or other tax professional, Apriem can work directly with them, with the client’s permission. The goal is to coordinate the financial planning and investment decisions we make with the client’s broader tax situation, while the client’s tax professional continues to provide tax advice and tax preparation services as applicable.

Estate planning, in partnership with Wealth.com**

Holistic planning works best when Apriem has current and complete information about a client’s financial life. Our analysis and recommendations are based on the information clients provide to us, including information about income, investments, taxes, estate plans, financial needs, goals, and other relevant circumstances.

Clients are responsible for keeping Apriem informed as their situation, needs, and goals change. With a client’s permission, Apriem may also coordinate with and obtain relevant financial information from the client’s accountant, attorney, and other professional advisors. The more complete and current the information available to us, the more effectively we can consider the different pieces of a client’s financial picture together.

What this coordination looks like day to day

In practice, this means a client doesn’t have to be the one relaying information between their investment manager, their CPA, and their estate attorney. Apriem’s team works directly with those outside professionals where appropriate, so decisions get made with full context rather than in isolation.

---