High-Net-Worth Wealth Management | FBS Securities
Tailored Wealth Strategies for Affluent Investors
Managing significant wealth requires more than just investment advice. It requires a disciplined strategy, customized planning, and a trusted partner who acts in your best interest. At FBS Securities, we specialize in High-Net-Worth Wealth Management for business owners, entrepreneurs, and high earners across Texas.
As a fiduciary Registered Investment Advisor (RIA), we deliver boutique investment and retirement solutions that go beyond traditional financial planning. Our clients rely on us to design and execute wealth strategies that not only protect what they’ve built but also maximize opportunities for growth, tax efficiency, and legacy planning.
What Is High-Net-Worth Wealth Management?
High-Net-Worth Wealth Management is a specialized service for individuals and families with significant assets generally $1 million or more in investable wealth. Unlike standard financial planning, this approach requires advanced strategies that address complex needs such as:
- Tax optimization and deferral strategies.
- Multi-generational estate and legacy planning.
- Diversification across asset classes and geographies.
- Advanced retirement planning structures (Cash Balance Plans, Mega Backdoor Roth IRAs, etc.).
- Risk management and asset protection.
- Charitable giving and philanthropic planning.
At FBS Securities, we don’t just manage investments, we create comprehensive wealth strategies designed to preserve and grow wealth across every stage of life.
Why Choose FBS Securities for High-Net-Worth Wealth Management?
We understand that high-net-worth individuals face unique challenges and opportunities. Our approach is built on three core principles:
- Fiduciary Guidance
As a fiduciary financial advisor, we are legally obligated to put your best interests first. You receive objective, transparent recommendations without hidden agendas or product-driven conflicts.
- Boutique Service
Every client receives personalized attention. Unlike large institutions, our boutique model allows us to develop customized strategies aligned with your personal and professional goals.
- Advanced Wealth Strategies
We go beyond traditional investment management, offering high-level planning strategies specifically designed for high earners and business owners seeking tax-efficient growth and long-term wealth preservation.
Key Services for High-Net-Worth Clients
Our High-Net-Worth Wealth Management solutions are comprehensive and tailored:
Investment Management
We design portfolios that reflect your risk tolerance, income needs, and long-term objectives. Using diversification, active oversight, and strategic allocation, we help optimize returns while protecting capital.
Retirement Planning
We provide advanced solutions like Cash Balance Plans, Solo 401(k)s, and Mega Backdoor Roth IRAs, allowing you to maximize contributions, minimize taxes, and accelerate retirement savings.
Tax-Efficient Strategies
High-net-worth individuals often face significant tax burdens. We structure portfolios and retirement contributions to reduce taxable income today and in the future.
Estate and Legacy Planning
We help you protect and transfer wealth to the next generation with strategies designed to minimize estate taxes, support heirs, and leave a lasting legacy.
Risk Management & Asset Protection
We evaluate potential risks and put in place strategies that shield your wealth from market volatility, lawsuits, or business liabilities.
Philanthropic Planning
For clients with charitable goals, we design giving strategies that maximize impact while enhancing tax benefits.
Why High-Net-Worth Individuals Need Specialized Wealth Management
Affluent investors face challenges that standard financial plans cannot address. Consider:
- Higher Tax Exposure – Without proper planning, taxes can significantly erode wealth.
- Complex Portfolios – Multiple accounts, businesses, and investments require integrated strategies.
- Succession Planning – Business owners need clear plans to transition ownership and secure retirement.
- Market Volatility – Larger asset bases require careful diversification and risk control.
- Family Legacy Concerns – Estate planning ensures your wealth supports the people and causes you value most.
At FBS Securities, we specialize in solving these challenges with fiduciary expertise and personalized service.
Serving High-Net-Worth Clients Across Texas
We are proud to offer High-Net-Worth Wealth Management across Texas, including:
- Westlake
- Hunters Creek Village
- Piney Point Village
- Highland Park
- West Village
- Bunker Hill Village
- West University Place
- Frisco
- Plano
- Allen
- McKinney
No matter where you are in Texas, our team is ready to provide hands-on guidance that protects your wealth and accelerates your growth.
The FBS Securities Advantage
Choosing a wealth manager is one of the most important decisions you will make. Clients choose FBS Securities because we offer:
- Fiduciary Responsibility – Always aligned with your best interest.
- Boutique Expertise – High-touch, relationship-driven service.
- Tax-Smart Strategies – Advanced planning designed to minimize liabilities.
- Comprehensive Solutions – Integration of investments, retirement, estate, and legacy planning.
- Clarity and Confidence – Giving you the assurance your wealth is managed with precision.
We don’t just manage money—we build lasting partnerships with high-net-worth clients who want more than generic advice.
Take the Next Step Toward True Fiduciary Guidance
Your wealth deserves more than standard solutions. At FBS Securities, we deliver fiduciary, boutique-level High-Net-Worth Wealth Management tailored to your life, your goals, and your legacy.
Consult with us today: 214-307-4320
Visit our office: 3900 S Stonebridge Dr., Suite 1104, McKinney, TX 75070.
At FBS Securities, we put in place wealth strategies built for business owners and high-earners strategies designed to grow, protect, and preserve your wealth for generations.
FAQ
Diversification for Heavily Concentrated Stock Position
When too much of your wealth is tied to one stock, your financial future rises and falls with that company’s fortunes. Even strong companies face risks, industry downturns, leadership changes, regulation, or sudden market shifts. A concentrated position can create volatility and long-term risk for your personal wealth.
You don’t have to sell everything at once. Many investors use gradual selling, staged diversification, or hedging strategies to reduce risk over time. This way, you spread out the tax impact and avoid sending the signal that you’ve lost faith in the stock.
Some common approaches include:
- Charitable remainder trusts (CRTs): donate stock, get a tax deduction, and still receive income.
- Donor-advised funds (DAFs): donate appreciated stock for immediate tax benefits.
- Installment sales or staged liquidation: spread out taxable gains over several years.
- Qualified Opportunity Zones (QOZs): reinvest gains for potential tax deferral or reduction.
Yes. Executives and investors often use protective puts, collars, or covered calls to limit downside exposure while holding their stock. These strategies act like insurance, letting you stay invested while reducing the impact of a steep decline.
Executives often face restrictions on when and how they can sell. Common strategies include 10b5-1 trading plans (pre-scheduled sales to avoid insider trading concerns), equity collars, and exchange funds. These tools allow diversification while complying with SEC rules.
Founders often worry that selling stock looks like they’re losing faith. To avoid that, many founders use structured selling plans, secondary offerings, or private liquidity programs. These methods normalize diversification as part of long-term planning rather than a red flag to investors.
An exchange fund lets investors pool their concentrated stock with others in the same position. In return, you receive shares of a diversified portfolio without triggering immediate capital gains tax. It’s a popular tool for executives and founders with large single-stock exposure.
Inheriting stock can be both a blessing and a challenge. The good news: heirs typically receive a step-up in cost basis, meaning capital gains taxes may be minimized if you sell soon after. But you’ll still want a strategy to diversify over time, balancing respect for the legacy gift with smart risk management.
FAQ
Structured Notes for Diversification
Structured notes are investment products created by banks that combine traditional bonds with derivatives (like options). They’re designed to offer returns linked to the performance of an underlying asset, such as a stock index, basket of stocks, or interest rates, while sometimes including features like income payments or downside protection.
They’re not risk-free. Structured notes are backed by the issuing bank, so your money is only as safe as that institution’s financial health. While some notes provide partial downside protection, investors still face credit risk, market risk, and liquidity risk.
Structured notes give access to unique return profiles you can’t get with regular stocks or bonds. For example, they might offer equity-linked growth potential with built-in buffers against market losses. That makes them a tool for adding non-traditional exposure to a portfolio.
Common risks include:
- Issuer risk: if the issuing bank fails, investors could lose money.
- Liquidity risk: many notes can’t be easily sold before maturity.
- Complexity risk: the payoff formulas can be hard to understand.
Market risk: if the linked asset underperforms, so does your note.
They tend to be best for experienced investors who want diversification beyond stocks and bonds, and who are comfortable with some complexity. They may also appeal to high-net-worth investors looking for customized income or downside protection strategies.
Structured notes often include built-in fees and spreads that aren’t always obvious. The issuing bank typically earns from structuring the product, and that can lower potential returns compared to investing directly in the underlying asset.
- Bonds: provide steady income and repayment at maturity, but usually no link to equity markets.
- ETFs: offer diversified, transparent exposure at low cost, but with full market risk.
Structured notes: sit somewhere in between—customized exposure with potential downside buffers, but more complexity and less liquidity.
Yes, some notes are designed with “buffers” or “floors” that absorb a certain percentage of market losses. For instance, a note might protect against the first 20% drop in an index. But beyond that buffer, you’re still exposed to losses, so protection is limited, not absolute.
FAQ
Tax Loss Harvesting / Market Neutral Tax Harvesting
Tax loss harvesting is a strategy where you sell investments that are down in value to lock in a loss on paper. That loss can then be used to offset gains you’ve made elsewhere in your portfolio, lowering your overall tax bill. The idea is simple: if the IRS taxes your winners, why not let your losers work for you too?
If you sell a stock, fund, or other investment at a profit, that’s a taxable capital gain. By selling another investment at a loss, you can use that loss to cancel out some (or all) of the gain. If your losses are bigger than your gains, you can even carry some of those losses forward to future tax years.
The wash-sale rule says you can’t sell an investment at a loss and then buy the same (or “substantially identical”) investment back within 30 days. If you do, the IRS won’t let you use that loss for tax purposes. To avoid it, investors often buy a similar but not identical fund or stock to keep market exposure without breaking the rule.
It works best in years when you’ve realized significant gains, such as from selling a business, liquidating a concentrated stock, or cashing in on a hot investment. It’s also useful in volatile markets, where you can strategically trim losses while rebalancing your portfolio.
Executives who sell a business or exercise large stock options often face huge capital gains taxes. By harvesting losses in other parts of their portfolio, or even through structured strategies like exchange funds—they can soften the tax impact of those large liquidity events.
This approach aims to harvest tax losses without changing your overall market exposure. For example, you might sell a losing S&P 500 fund and immediately buy a slightly different index fund. You capture the tax benefit while keeping your portfolio allocation intact.
Yes, but only up to a point. After offsetting capital gains, you can use up to $3,000 of excess losses per year (as of 2025) against ordinary income like wages or bonuses. If you have more than that, the rest carries forward to future years.
The main risk is letting the tax tail wag the investment dog. Selling too aggressively can throw your portfolio off balance or leave you stuck in a less optimal investment just to avoid the wash-sale rule. There’s also the chance that by harvesting losses, you miss out on a quick rebound in the asset you sold.
FAQ
Options Overlay
An options overlay strategy is a way to layer options contracts on top of an existing portfolio to manage risk or enhance returns. Think of it as a protective layer: you keep your current investments but use options to control how much you gain or lose if markets move.
By buying protective puts or using collars, you can set a floor on potential losses. Essentially, the options act like insurance, limiting how much you could lose if a stock or index drops, while still allowing you to participate in upside gains.
Yes. Selling options, like covered calls, can create extra income from your holdings. This approach generates cash flow while maintaining the core investment, though it may cap some upside if the stock rallies strongly.
The most common are:
- Protective puts – limit downside risk.
- Covered calls – generate income on existing holdings.
Collars – combine a protective put and a covered call to balance risk and reward.
Absolutely. Executives, founders, or investors holding a large portion of one stock often use overlays to mitigate concentration risk. Options allow you to protect wealth without having to sell the stock immediately, which is especially useful when you want to avoid signaling a lack of confidence in the company.
Options strategies can affect capital gains timing and type. Gains or losses from options may be short-term or long-term depending on the contract and underlying stock. Some strategies, like collars, may create offsets that reduce taxable gains. It’s important to coordinate overlays with a tax advisor to maximize efficiency.
Yes. One of the advantages of overlays is flexibility. They can be tailored to specific stock positions, risk tolerance, and timing needs. This makes them ideal for executives or founders who want to protect wealth without selling shares too early.