Fiduciary Solutions Tailored to Complex Lives
Designing your life without a financial plan is like building a house without blueprints. We combine portfolio management, lifestyle blueprints, proactive tax planning, and family office administration into a unified relationship.
Investment Management & Asset Allocation
Westover does not restrict itself to any single style box (Growth vs. Value), market cap size (Large vs. Small/Mid), or rigid dogma.
Under the leadership of Chief Investment Officer Chip Sawyer, CFA®, we take a dynamic, balanced portfolio approach. This gives us the independence to construct, adjust, and rebalance portfolios systematically as economic and monetary cycles shift.
Our core tenets focus on all-cap breadth, global diversification, and active tax drag reduction. We implement tax-loss harvesting and selective asset location to maximize net after-tax returns.
Broad screening and continuous review of all available securities and asset classes across global markets.
Thorough examination of balance sheets, management quality, cash flow stability, and issuer credit strength.
Evaluation of market trends, pricing momentum, market liquidity, and interest rate cycle timing.
Portfolio construction, risk weighting, and ongoing rebalancing to maximize risk-adjusted net compounding.
All-Cap Flexibility
Unconstrained by Wall Street broker-dealer product quotas or closed architectures.
Wealth Planning & Lifestyle Architecture
"Designing your life without a financial plan is like building a house without blueprints."
Led by Matt Beardwood, CFP®, our wealth planning practice designs custom roadmaps addressing every phase of life. We analyze your cash flow, model executive stock compensation (ISOs, NQSOs, RSUs), stress-test retirement readiness, and audit estate titles.
Whether structuring dynamic retirement withdrawal guardrails to protect against sequence of returns risk, or orchestrating multi-generational trust transfers, our plans evolve proactively as your family grows.
In-depth dialogue to uncover family aspirations, core values, philanthropic goals, and risk comfort.
Consolidating all balance sheet data, legal structures, tax positions, and stress-testing under market shocks.
Delivering clear, actionable recommendations with an execution calendar for accounts, wills, and conversions.
Continuous dynamic updates alongside tax code changes, market cycles, and personal life milestones.
Tax Consultation & Return Preparation
Operating through our wholly owned accounting subsidiary, Westover Tax Services, LLC.
Most wealth advisors make investment trades without knowing your year-to-date tax liability. Meanwhile, independent tax preparers typically view your return in the spring when it is too late to execute proactive strategies.
Headed by Dennis Perdue, CPA, Westover Tax Services bridges this gap. By uniting wealth planners and tax accountants in the same office, we coordinate multi-year tax bracket arbitrage, Roth conversions, K-1 partnership compliance, and estate tax minimization year-round.
Thorough multi-year review of prior returns, cost basis, pass-through entities, and tax positions.
Proactive modeling for capital gain timing, Roth conversions, entity structuring, and deduction bunching.
Accurate quarterly estimated payment calculations, extension planning, and meticulous return compilation.
Secure electronic filing of all federal, state, and local returns with dedicated representation.
Family Office Solutions & Generational Governance
Affluent families require sophisticated oversight, but establishing an internal single-family office can cost hundreds of thousands of dollars annually.
Westover provides full multi-family office infrastructure. We centralize multi-entity reporting, manage illiquid asset oversight (commercial real estate, private equity, operating companies), coordinate concierge financial administration, and prepare heirs for stewardship.
Aggregated balance sheet visibility across all trusts, partnerships, bank accounts, and entities.
Coordination and cash flow modeling for private real estate, operating enterprises, and equity holdings.
Structured family assemblies, governance frameworks, and coaching for next-generation beneficiaries.
Comprehensive liability audits, umbrella reviews, and creditor insulation strategies.
How Westover Compares to Traditional Financial Firms
Understanding who your advisor works for is the most vital question in wealth management.
| Fiduciary & Operational Standard | Westover Capital Advisors (Fee-Only RIA) | Broker-Dealer / Wirehouse Reps | Insurance-Tied Advisors |
|---|---|---|---|
| Legal Fiduciary Standard at All Times | ✓ Yes (SEC-Registered) | ✕ Suitability standard / Hybrid | ✕ Sales standard |
| Product Commissions & Sales Loads | ✓ Never ($0 accepted) | ✕ Common on funds & trades | ✕ Primary revenue source |
| Proprietary Products Pushed | ✓ None (100% open architecture) | ✕ Often mandated by parent bank | ✕ Proprietary annuities/life |
| Integrated In-House CPA Tax Practice | ✓ Yes (Westover Tax Services, LLC) | ✕ Refers out / Disclaims tax advice | ✕ None |
| Independent Qualified Custodian | ✓ Yes (Schwab, Fidelity) | ✕ Often held internally by broker | ✕ Insurance company custody |
| Independent National Recognition (2026) | ✓ USA TODAY & Newsweek Top 1,000 | Varies widely | Rarely evaluated |
Discover How Our Integrated Model Benefits Your Family
Schedule a complimentary portfolio review and tax posture assessment with our senior advisory team.