Personal Financial Strategies

  • Concentration poses an unequivocal risk to long-term wealth. Investment concentration refers to the level of exposure to a particular business, investment, market, or industry. However, concentration is often an unavoidable aspect of wealth creation. We recognize this reality and take a comprehensive approach, advising on strategies to manage concentration and hedge associated risks.

  • Our team takes a proactive approach to tax planning, seeking opportunities to enhance tax efficiency across all aspects of your financial life. We focus on optimizing tax outcomes in investments, income management, and estate planning, helping you preserve more of your wealth for the future.

  • Estate planning is essential for preserving your legacy and ensuring your loved ones are cared for. We utilize advanced software to plan, model, and forecast for the most important aspects of estate planning, including:

    • Minimizing taxes

    • Asset distribution

    • Protecting beneficiaries

    • Providing for dependents

    • Avoiding probate delays and costs

    • Maintaining privacy

    • Business succession planning

    • Healthcare directives

    Our goal is to help you make informed decisions and provide peace of mind for you and your family.

  • Philanthropic giving is an important part of many wealth plans, offering the opportunity to make a positive impact on the causes you care about. We advise on charitable giving strategies that not only align with your values but also offer significant tax benefits.

  • We aggregate all of your assets—not just traditional investments—to create a customized balance sheet tailored to your needs. At Athos, we believe that truly comprehensive advice starts with a clear understanding of your entire financial picture.

  • Planning and forecasting liquidity is a vital part of effective wealth management. We use a variety of methods, models, and banking relationships to provide comprehensive guidance on the liability side of your balance sheet. Our approach includes cash flow forecasting, evaluating lending solutions, and ensuring you have access to liquidity when needed—all to help you maintain flexibility and meet your financial goals.

  • Whether you’re raising your first round of funding or navigating the complexities of an IPO, we have the expertise to guide you every step of the way. Our team understands the unique challenges founders face and provides tailored advice to help you make informed decisions at every stage of your company’s growth.

  • We help take the uncertainty out of your next big decision—whether it’s a career move, purchasing a home or major asset, or any other important milestone. Our decision modeling process provides clarity and confidence, so you can move forward with peace of mind.

  • We view financial planning as a pathway to define your life goals, assess your risk tolerance, and evaluate your current and future resources. This holistic approach helps guide your decisions and supports your financial objectives, ensuring that each step you take is aligned with your long-term vision.

  • We maintain strong connections with a broad network of trusted professional advisors. While these experts are not part of our in-house team, we can introduce you to specialists in legal, tax, and other fields as needed, ensuring you have access to well-rounded advice and support for your financial goals.

  • Our team brings vast international experience to help you navigate the complexities of global wealth management. We offer guidance tailored to your unique cross-border needs and speak multiple languages, including Portuguese, Spanish, Japanese, and Mandarin, to ensure clear communication and personalized support wherever you are.

  • As a Registered Investment Advisor (RIA), we are committed to providing independent advice and are legally obligated to act in the best interests of our clients under the fiduciary standard. This means your needs always come first in every recommendation we make.

    *Being registered as an investment adviser does not imply a certain level of skill or training and all investment advisers have a fiduciary duty to act in the best interest of its clients.

Strategies

  • Concentration poses an unequivocal risk to long-term wealth. Investment concentration refers to the level of exposure to a business or investment, markets, or industries. Nevertheless, concentration is often an unavoidable aspect of wealth creation. We understand the need for a comprehensive approach and advise on concentration management and hedging strategies.

  • Our team approaches tax planning proactively. We focus on various methods to optimize tax efficiency in Investments, Income Management, and Estate Planning.

  • Estate planning is a crucial part of carrying out legacy and caring for loved ones. We use state-of-the-art software to plan, model, and forecast for some of the most relevant topics in estate planning:

    Minimizing Taxes, Asset Distribution, Protecting Beneficiaries, Providing for Dependents, Avoiding Probate Delays and Costs, Maintaining Privacy, Business Succession Planning, Healthcare Directives.

  • For some individuals and families, gifting is an important aspect of their wealth plan. We advise on gifting strategies to help you achieve your personal and family goals.

  • We aggregate all assets in addition to traditional investments to build a customized balance sheet for our clients. At Athos, comprehensive advice must involve an understanding of the entire financial picture.

  • Planning and forecasting liquidity is a vital aspect of wealth planning. We utilize different methods, models, and relationships to provide comprehensive guidance on the liability side of the balance sheet.

  • Whether you are raising your first round of funding or navigating an IPO process, we have the expertise to guide you along.

  • We take the guesswork out of making your next move — from a career decision to a home or large asset purchase— and everything in between.

  • We use Financial Planning as a pathway to delineate and set life goals while determining risk tolerance and evaluating current and future financial resources to facilitate decision-making to support your financial objectives.

  • We work hand-in-hand with an extensive network of professional advisors to make your financial goal a reality.

  • Our team has vast international experience to assist you in navigating the wealth management landscape — we speak multiple languages, including Portuguese, Spanish, Japanese, and Mandarin.

  • We are a Registered Investment Advisor (RIA). RIAs are held to a fiduciary standard, meaning that we are legally obligated to act in the best interests of our clients.