Portfolios rarely stay simple forever. As wealth grows, complexity increases. It means added layers of rules and tax considerations, as well as a larger range of investment and structural options to consider. At some point complexity reaches a threshold which warrants professional help.

Earlier this year I spoke with my colleague Simonelle Mody about my new year’s resolution for 2026.

My situation is no longer straightforward. I have an Employee Share Plan which makes up part of my compensation, I am married and have opportunities to consider tax and investing strategies that may be more efficient, I have assets that I didn’t have before that justify a professional will instead of a simple will from an online provider. The list goes…