When your portfolio surpasses $10 million, the world of wealth management changes dramatically. At this level, it’s no longer about simply growing assets — it’s about protecting, structuring, and preserving an entire financial ecosystem for the next generation. Families must balance institutional-grade investing with estate planning, tax efficiency, and family governance.
At Bilyk Financial, we act as a family office partner, integrating investment management, risk oversight, tax planning, and legacy strategies so every decision works in harmony.
Below are the essential areas of focus for families with portfolios greater than $10M.
🏛 Family Office Services
Managing $10M+ portfolios demands a family office approach — a single hub for wealth strategy, tax coordination, estate planning, and investment oversight.
What to Look For:
- Centralized coordination between accountants, lawyers, and portfolio managers.
- Tailored entities such as trusts, holding companies, and charitable foundations.
- Comprehensive performance and risk reporting.
🔗 Learn more about our Family Office Services.
📈 Institutional-Grade Investment Management
Traditional retail strategies don’t suffice at this level. Wealth preservation and growth require access to institutional tools.
Key Features:
- Diversification into private equity, real estate, and infrastructure alongside public markets.
- Risk-adjusted portfolios modeled after institutional investors such as CPP.
- Liquidity planning to support both family lifestyle and legacy goals.
🔗 Explore our Investment Management Expertise.
🛡 Advanced Risk Management
The stakes are higher with $10M+. Protecting against downside risks ensures families aren’t exposed to catastrophic losses.
Considerations:
- Stress-testing portfolios against inflation, recession, and interest-rate shocks.
- Independent audits to uncover vulnerabilities.
- Strategic insurance solutions to safeguard lifestyle and estate plans.
🔗 See how we approach Risk Management.
🌎 Tax & Cross-Border Planning
Taxes are one of the largest wealth drains for ultra-high-net-worth families — especially those with multi-jurisdictional exposure.
Key Strategies:
- Holding companies and trusts to minimize tax drag.
- Efficient corporate structuring for business owners.
- Philanthropic strategies that align with family values while reducing tax burdens.
🔗 Read about our Tax Planning and Cross-Border Planning.
👨👩👧 Generational & Legacy Planning
Wealth isn’t just about numbers — it’s about values, education, and vision for the next generation.
Key Elements:
- Estate structures that minimize probate and maximize efficiency.
- Preparing heirs through education and governance frameworks.
- Charitable giving structures like family foundations.
🔗 Learn more about Legacy Planning.
✨ The Bilyk Financial Difference
At Bilyk Financial, our clients benefit from:
- Family Office Coordination – every decision aligned across advisors.
- Institutional Portfolio Management – diversification beyond traditional markets.
- Robust Risk Management – proactive protection built into every portfolio.
- Cross-Border Expertise – navigating tax and legal complexities globally.
- Legacy with Purpose – ensuring wealth endures across generations.
📞 Next Steps
For families with portfolios above $10 million, the right partner makes all the difference. Our integrated family office approach ensures your wealth works for you — and for generations to come.
👉 Contact us for a confidential consultation.
Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through Bilyk Financial Private Client, an approved trade name of ACPI. Only investment-related products and services are offered through Bilyk Financial Private Client and covered by the CIPF. Financial planning and insurance services are provided through Bilyk Financial Wealth Management. Bilyk Financial Wealth Management is an independent company separate and distinct from Bilyk Financial Private Client.