Solutions That Shine

At TSP Family Office, our team of advisors and consultants illuminates our clients’ hidden wealth and helps to secure their future through comprehensive solutions in our five focus areas, including advanced strategies that have been used by ultra-high-net-worth investors for many years.

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Tax-Advantaged Strategies

Your team of professionals has combed through the statutes to find strategies that may help you keep more of what you earn. We uncover the missed, misunderstood, and underutilized deductions often unknown by CPAs.

Cost Segregation

For property owners, cost segregation strategies provide an opportunity to reclassify building components and accelerate depreciation. This approach is ideal for buildings that cost more than $500,000 and have been purchased and/or rehabilitated within the past five years to accelerate your tax savings.

Entity Analysis

Starting a new business or purchasing an existing one is an exciting move towards building more wealth. Selecting a business entity is a requirement and each has its own advantages, disadvantages, and special rules. There are three categories aside from a sole proprietorship to choose from — partnerships, corporations, and limited liability companies. Although one of these choices may be favorable when you start out, it may need to be re-evaluated as your business evolves. An experienced attorney and tax advisor can help you determine which form of ownership is best for your business.

Roth IRA Conversion

Roth conversions are typically multi-year strategies used to take advantage of the lower tax rates provided by the 2017 Tax Cuts and Jobs Act, or TCJA. The TCJA presents an opportunity for some people to take advantage of the lower tax rates to convert traditional IRAs to Roth IRAs. Additional strategies may be offered to minimize the tax liability.

Underutilized Tax Deductions

The TSP Family Office team takes a holistic approach to our clients tax planning and wealth management goals. We start by considering traditional tax deductions that are often underutilized or not used at all, including items such as healthcare or auto expenses.


You’ve worked hard in your life and now you’d like to preserve your wealth and provide for your family’s next generation. Our team of experienced professionals can help drive communication and teach your heirs how to navigate new responsibilities and opportunities according to your family values. Our role is to help create balance in your legacy goals and develop a strategy that avoids pitfalls and conflict.

Estate Planning

We help guide your estate planning by designing a strategy to preserve your wealth in accordance with your wishes. What it means to you will change as your life changes — having children, grandchildren, even great-grandchildren will impact the way you make decisions. As you age, it’s critical to have a carefully curated will, established trusts and beneficiaries for assets, and most importantly, have all documents signed and filed. Developing a plan becomes more complex as your assets and wealth compound. Having an objective team in place protecting your best interests and helping to simplify the process is crucial. Planning is not a “checking the box” activity. Getting an early start and updating your plan annually is the best way to ensure all you have worked hard for is preserved, free of conflict, and deployed in the way you choose.

Multigenerational Legacy

We know that creating a multigenerational legacy is a priority for many high-net-worth individuals and families. Developing a plan is much like running a company — except the goal is to preserve wealth and provide security for your family’s next generation. To do this, foresight is needed to calculate potential risks and measure progress along the way. Executing your plan starts with having the right people in the right seats. We can help you realize your legacy goals and direct you to the appropriate experts to best serve them.


The R-CLAT strategy offers a unique structure designed to mitigate the impact of taxation on income by creating income tax deductions, providing tax-free supplemental retirement benefits and providing significant funds to charity.

  • STRATEGY TERMS: Multi-year
  • BENEFITS: Potential first year tax benefit, source of future retirement funding, provide current and long-term benefits to charities selected by client, possibility of creating family foundation for charitable involvement by client and client’s family members in the future
  • RECOMMENDED FOR: Taxpayers with annual incomes in excess of $1 million, taxpayers with a liquidity event such as a sale of business or large inheritance, or taxpayers over 59 ½ wishing to convert a qualified retirement plan
Retirement Planning

No matter what stage of life you are in, building your retirement nest egg takes a great deal of preparation to ensure you have what you need for the next chapter of your life. We understand the numerous expenses to account for while creating a retirement plan — housing, food, healthcare, taxes, recreation, and other general costs of living. Balancing your needs today while providing for the future lifestyle you want to maintain may feel overwhelming. We can help navigate a plan that’s right for you.


Personalized banking brings you individualized, creative opportunities to meet your financial needs. From financing to cash management, treasury management, and establishing ICS accounts, you’ll have access to a personal banker who collaborates with your wealth management team to deliver the right solutions for you.

Private Banking

Private banking offers increased privacy and convenience. Benefits can include favorable rates, discounts, and higher interest rates on savings, money market, and CD accounts.

Treasury Management

Streamline business finances by managing cash, investments, and other financial assets with access to diversified treasury management services. The options provided by our team can help your company to leverage your working capital, improve your cash flow, and simplify day-to-day business processes.

Unconventional Lending Solutions

Having reliable access to working capital is crucial to your business, and its success. Our private banking professionals are part of the team, providing business and personal lending programs to meet your short- and long-term financing needs. Unconventional lending options allow businesses to leverage assets to accomplish objectives like capital improvements or acquisitions. Personal lending options include HELOC, brokerage secured lines of credit, unsecured lines of credits, and others forms of lending.


Risk is a part of life, but there are things you can do to protect the assets you’ve worked to accumulate. Our team is well versed in creating solutions that help protect your legacy. We work with you to consider the variables unique to your situation and are dedicated to providing you with the right resources. Acting early and proactively is the best way to mitigate future risks.

Captive Insurance

Captive insurance is a form of self-insurance, where a business creates its own coverage or supplemental coverage. The benefits of this type of program include protection for the business and financial advantages for the owner.


Purchasing life insurance protects what you have spent your whole life accumulating and is a key part of looking after your family once you’re gone. There are many types of life insurance policies — from traditional life insurance to universal life and variable life with a myriad of choices for each. We can help you make sense of it and make recommendations based on your circumstances.

Diversification Strategies

Alternative opportunities are one of the strategies your team of professionals may employ. We take a collaborative approach — starting with an understanding of your current portfolio holdings and long-term goals, then partnering with you to identify complementary options. This process may uncover additional sources of savings and wealth not yet identified, and create additional investment opportunities.

Real Estate Programs

Various real estate opportunities that provide three options: 1) Buy and hold; 2) develop; or 3) conserve.

  • STRATEGY TERMS: Year-by-Year
  • REQUIREMENT: Accredited investors (individuals with over $160,000 AGI, MFJ over $360,000)
Qualified Opportunity Zones

As provided for in the 2017 Tax Cuts and Jobs Act, qualified opportunity zones (QOZ) offer specific tax incentives designed to promote long-term investment into designated developing neighborhoods across the country. This strategy can provide a way to defer, reduce or even eliminate capital gains.

  • STRATEGY TERMS: Multi-year
  • BENEFIT: Defer, reduce or eliminate some capital gains
  • RECOMMENDED FOR: Accredited investors with realized capital gains from the sale of investments (i.e., stocks and bonds), buildings, business interests, etc.


A deeper dive into the integrated approach of a family office.

Feature 01

What is a Family Office?

Feature 02

Wealth Management, Tax Planning, Asset Protection

Feature 03

The Importance of a Single Team

Feature 04

The Family Office: A Continuum of Care

Feature 05

How to Create a Multi-Generational Legacy

Feature 06

Give Yourself the Gift of Financial Security

Feature 07

Aligning Your Financial Goals Has Never Been Easier

Feature 08

Are you getting the most out of your wealth preservation efforts?

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