Families With $10M–$50M+ in Wealth

Wealth Management for Families Who Need More Than a Portfolio

Families with significant wealth often don't need another investment account. They need someone who can see the entire picture — investments, trusts, tax strategy, estate structures, family dynamics and the people who will eventually inherit the wealth.

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The Complexity Problem

At $10M+, Complexity Grows Faster Than the Portfolio

Below a certain threshold, wealth management is relatively straightforward: a portfolio, a retirement account, a will. But once a family crosses into the $10 million range — and especially into $25M, $35M and beyond — the picture changes dramatically.

Multiple entities. Multiple advisors. Trusts that hold assets with different tax treatment. Business interests at various stages of transition. Children or grandchildren with different relationships to money. Philanthropic intentions. Estate plans that haven't been updated since the early years of the marriage.

At this level, the financial risk isn't usually a bad investment. It's a failure of coordination.

Multiple Entities

LLCs, family limited partnerships, revocable trusts, irrevocable trusts, charitable vehicles — each with different tax treatment, beneficiaries and investment needs.

Multiple Advisors

Estate attorney, CPA, trustee, investment manager — all working independently without a central point of coordination.

Generational Dynamics

Children or grandchildren who will eventually inherit, with varying levels of financial sophistication and different relationships to the family's wealth.

Our Role

Your Financial Quarterback

Amber Hour doesn't try to replace your estate attorney or CPA. We serve as a financial coordination point — helping you assess the complete picture and coordinate the relevant pieces with your advisory team.

Investment Management

Tax-aware portfolio management built around your specific legal structures, liquidity needs and multi-generational time horizon — not a model portfolio designed for someone else.

Estate Coordination

We work alongside your estate attorney to help coordinate investment strategy and asset titling with your trust architecture, estate plan and beneficiary designations.

Tax-Aware Strategy

In coordination with your CPA, we help evaluate asset location, harvesting strategies and timing decisions with the goal of managing tax consequences around liquidity events and distributions.

Liquidity Planning

Business sales, inheritance events, concentrated positions — we help families plan for and execute significant liquidity transitions while considering the broader plan.

Heir Preparation

We believe the most important investment a family can make is in the financial education of the next generation. We work with heirs directly to build the knowledge and mindset to be responsible stewards.

Family Governance

For multi-generational families, we help establish shared values, communication frameworks and decision-making structures designed to support continuity across generations.

What Makes Amber Hour Different

Boutique. Fiduciary. Family-Office Trained.

Amber Hour was built to deliver what families at the $10M–$50M level often struggle to find: the sophistication of a family office with the personalization and accountability of a boutique advisor.

Founder Chris Chorlins, CFP®, spent years working at a multi-family office serving ultra-high-net-worth families — coordinating their investment strategy, estate structures, philanthropy and family dynamics. That experience informs his approach at Amber Hour.

We intentionally limit the number of families we serve to support a high-touch advisory relationship.

We Are a Fiduciary

Amber Hour offers advisory services through Savvy Advisors, an investment adviser registered with the SEC. As a registered investment adviser, Savvy Advisors is subject to fiduciary duties to advisory clients.

We Are Independent

Amber Hour does not sell proprietary products. Advisory services are offered through Savvy Advisors. Clients should review the applicable disclosures regarding services, fees and conflicts of interest.

We Are Selective

We work with a limited number of families so we can give each one the full depth of attention their situation requires.

We Are National

Based in St. Louis. Serving families across the country who value personal access, independence and multigenerational sophistication.