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That depends on where you are and what you're trying to accomplish. For many people at this stage of life, the complexity involved, executive compensation, business ownership, retirement timing, and tax exposure that cuts across all of it, has grown beyond what a general approach handles well. The value of working with an advisor isn't just in managing assets. It's in having someone who looks at how all the pieces interact and helps you make decisions accordingly.

The structure of the relationship changes the nature of the advice. Independent advisors aren't working against a product quota or a firm-wide investment model. The work is shaped by the client's situation, full stop. That independence also tends to mean more direct access and a more personal level of communication than clients typically experience at larger institutions.

Having specialists in each area is genuinely valuable. What often gets left unaddressed is the coordination between them. A financial advisor, CPA, and estate attorney can each be doing their jobs well and still leave gaps or create unnecessary tax exposure if they aren't working from the same picture. This firm brings those existing relationships into the planning process rather than operating separately from them.