Your family at the center.

An enhanced approach for families with $10M+ in net worth.

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TMB Coordinated Family Office Structure

More than additional services. A more coordinated way to use them.

Every TMB relationship includes planning, investment management and coordination with your CPA and attorney.

As a family’s wealth grows, more people and more decisions become involved. At this level, the work is organized around the whole family, with TMB keeping the pieces connected.

One team keeping the agenda.

TMB coordinates the CPAs, attorneys, bankers, insurance professionals and trustees involved, around one family plan.

Specialists where they serve your family.

We work with vetted specialists in areas such as private banking, philanthropy and trust administration when your family needs them.

The next generation included.

Family meetings and education help heirs understand the plan and their role, on your terms.

A family of services. Organized around your family.

Select a service to see what it helps address, what TMB does, who else may be involved and how it’s delivered.

Wealth management

What this helps address: Is everything we own working toward the same plan?
What TMB does: Manages portfolios built from TMB’s core models and tailored to your family’s plan, with a long-term view across accounts.
Who else may be involved: Your custodian, which holds the assets, and your CPA for tax coordination.
How it’s delivered and priced: Delivered through the advisory relationship and covered by the advisory fee in your agreement.

Risk mitigation

What this helps address: Could one event undo decades of work?
What TMB does: Reviews life, disability, long-term care and liability coverage with you and coordinates with your insurance professionals.
Who else may be involved: Insurance agents and carriers.
How it’s delivered and priced: Reviews are part of the relationship. Policies are purchased and priced through the insurance provider.

Family governance & education

What this helps address: How do we prepare the next generation and keep the family on the same page?
What TMB does: Leads family meetings and education that help the next generation understand the plan and their role.
Who else may be involved: Your estate attorney and trustees, as appropriate.
How it’s delivered and priced: Scope agreed with your family in writing.

Financial goal planning

What this helps address: Are we on track for what matters most?
What TMB does: Builds and maintains a living plan that tracks each goal and is reviewed with you on a regular schedule.
Who else may be involved: Your CPA and attorney when goals involve tax or estate decisions.
How it’s delivered and priced: Part of the advisory relationship.

Private banking

What this helps address: How do we handle lending, credit and cash without disrupting the plan?
What TMB does: Helps you evaluate lending, credit line and cash management needs and introduces trusted banking partners.
Who else may be involved: Banking partners.
How it’s delivered and priced: Banking products are provided and priced by the bank.

Philanthropy planning

What this helps address: How can our giving reflect what we care about?
What TMB does: Helps structure donor-advised funds, charitable trusts and gifting strategies alongside the rest of the plan.
Who else may be involved: Your attorney and CPA, and the organizations you support.
How it’s delivered and priced: Scope agreed in writing. Legal documents are prepared and billed by your attorney.

Tax strategies

What this helps address: Are our investment decisions considering taxes all year?
What TMB does: Applies tax-aware investing and coordinates with your CPA throughout the year, not just in April.
Who else may be involved: Your CPA, who prepares returns and provides tax advice.
How it’s delivered and priced: Coordination is part of the relationship. Tax preparation is provided by your CPA.

Business planning

What this helps address: What happens to the business, and the family, when ownership changes?
What TMB does: Coordinates succession, exit and buy-sell planning so the business and family plans line up.
Who else may be involved: Your attorney, CPA, valuation professionals and insurance providers.
How it’s delivered and priced: Scope agreed in writing. Outside professionals bill for their own services.

Trust services & bill pay

What this helps address: Who handles the details?
What TMB does: Coordinates with trustees and arranges bookkeeping and bill pay support so routine details are handled.
Who else may be involved: Trustees, bookkeepers and your bank.
How it’s delivered and priced: Scope and any separate fees confirmed in writing before work begins.

Service availability, scope and fees are confirmed in writing for each family. TMB coordinates with, and does not replace, your tax and legal professionals.

How coordination works.

01
Start with your family’s priorities.
A conversation about what you own, who is already involved and what needs attention first.
02
Agree on the scope.
We put the services, responsibilities and advisory fee in writing before you sign anything.
03
Keep the agenda moving.
TMB keeps a shared family agenda and coordinates the next steps with you and your professionals.

An illustrative family agenda

Issue to review	TMB’s role	Other professionals	Next decision
Ownership of a family business	Bring the business and family plans into one discussion	Attorney and CPA	Agree on a timeline for succession decisions
Gifts to children or grandchildren	Show how gifts fit the family’s overall plan	Estate attorney and CPA	Decide which approach to review with counsel
Charitable giving	Compare giving approaches against the family’s goals	CPA and attorney	Choose an approach to set up
Liquidity and lending	Review near-term cash needs and lending options	Banking partner	Decide whether a credit line makes sense

Illustrative agenda, not client results or individualized recommendations.

Scope, fees and fit.

Does $10M refer to net worth or assets managed?

Net worth. The family-office approach is designed for families with a total net worth of $10 million or more. That is different from the fee calculator, which estimates the advisory fee on the assets TMB would manage. A family can be a fit even if TMB will manage only part of its wealth.

Can you work with our existing professionals?

Yes. Coordinating with the CPAs, attorneys, bankers and insurance professionals you already trust is central to the approach. Where you need someone new, we can introduce vetted specialists.

How are the service scope and fees established?

After an initial conversation, we agree on which services your family needs and put the scope and advisory fee in writing before you sign anything. Advisory fees on managed assets above $10 million are negotiable, and outside professionals bill for their own services.

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