Signature Moves – From Leaving a Future Inheritance to Living a Legacy
The moments that shape our lives often shape the kind of financial guidance we need beside us. And while clients may be facing those moments for the first time, our experienced advisors have helped many others through similar situations before – developing their own distinct way of guiding people through uncertainty, important decisions, and what comes next.
Signature Moves highlights those approaches, so people can more easily recognize the advisor they’ll want beside them when life happens.
Meet Zach Ungerott, CPWA®, CFP®, Wealth Advisor at Hightower Signature Wealth in St. Louis, MO.
Zach’s Signature Move
Helping parents turn part of a future inheritance into a living legacy they can experience with their family today.
Who This is For
You’ve built lasting financial security – and you’re beginning to think about what that wealth could mean for the people you love.
- You’re a parent or grandparent who has accumulated wealth you expect to leave to your children or grandchildren one day
- You like the idea of helping them now – for a home, education, or simply to make life easier – but you’re unsure how much is appropriate or how to begin the conversation
- You’d rather your family understand your intentions while you’re here to explain them
You aren’t looking to give everything away or lose control of your financial future. You just want to know what’s possible, and whether sharing part of your legacy now could make a difference you and your family can experience together.
Where You Are Today
You’ve always planned to leave an inheritance to your loved ones – but you’re starting to wonder if some of it belongs in their lives now.
What You’re Going Through
Most families expect to talk about inheritance someday. Many are now beginning to ask whether some of those conversations – and opportunities – should happen sooner.
- You have more wealth than you’ll need, and your family may already recognize that
- You’re thoughtful about giving too soon, asking yourself if it could change expectations or affect your family’s motivation
- You’re starting to consider whether sharing part of your legacy today could accomplish more than waiting
Your family will receive that inheritance eventually. The real question is: Will you be there to experience its impact?
Zach’s 3-Step Approach
- Decide what you’re comfortable giving now – separate what you’ll need for your own long-term security from what you’re comfortable putting to work for your family today
- Give it a purpose – whether it’s a first home, education, debt payoff, a memorable family experience, connect the gift to something that brings an opportunity to life
- Bring your children into the conversation – create space for open, thoughtful, in-person discussions so your family understands not just what you’re giving, but why
Signature Perspective
“Some of the most meaningful parts of your legacy are the ones you get to experience together.” – Zach Ungerott
What You’ll Experience
- A thoughtful plan for sharing wealth in a way that reflects your family’s values and story
- The opportunity to watch your generosity change your family’s lives instead of simply imagining what it might do someday
- A family that feels informed, included, and better prepared for what’s ahead
Where You’ll Be Tomorrow
You move from planning to leave your legacy behind someday to living part of it with the people you love today.
Connect With Zach
If you’ve been planning to leave your family an inheritance someday but are starting to wonder if some of it belongs in their lives today, talk with Zach.
This material is for general information and educational purposes only. Information is based on data gathered from what we believe are reliable sources. It is not guaranteed as to accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions.
Find answers to your questions about Hightower Signature Wealth
Hightower Signature Wealth is a fiduciary wealth management practice that provides investment management, financial planning, estate strategies, insurance, and banking solutions. We work with families, business owners, professionals, women, and retirees across more than 40 offices nationwide. Our advisors take the time to understand your financial priorities, develop a plan around your goals, and adjust that plan as your life and circumstances evolve.
Hightower Signature Wealth provides a broad range of wealth management services designed to address different aspects of your financial life. Our capabilities include investment management, financial planning, retirement planning, estate strategies, insurance and risk management, banking solutions, and charitable giving strategies. By considering these areas together, our advisors can develop a coordinated approach based on your goals, priorities, financial circumstances, and plans for the future.
Hightower Signature Wealth advisors work with a broad range of clients, including women, families, business owners, professionals, retirees, and high-net-worth individuals navigating major life or financial transitions. Rather than applying a generic playbook, each advisor tailors the plan to a client’s specific goals and current stage of life – from early-career decisions to multigenerational wealth transfer.
Yes. Hightower Signature Wealth advisors serve as fiduciaries, which means they are committed to acting in their clients’ interests when providing investment advice. We offer fee-based advisory services, with fees depending on the services provided and the specifics of your relationship. Your advisor will discuss the applicable fee structure with you so you can understand how you are charged and what services are included.
Hightower Signature Wealth has more than 40 offices nationwide, allowing our advisors to serve individuals, families, and organizations across the country. Depending on your location and preferences, you may be able to work with an advisor locally or connect with a team in another market. Visit our Locations page to explore our office locations, learn more about the teams in each market, and find an office near you.
Getting started with Hightower Signature Wealth is simple. Complete our online contact form with some basic information about yourself and what you are looking for, and we’ll connect you with an advisor who can discuss your needs and financial priorities. That initial conversation is an opportunity to learn more about our approach, ask questions, and determine whether working with a Hightower Signature Wealth advisor may be a good fit.
Your first conversation is an opportunity for us to learn more about you, your financial circumstances, and what you hope to accomplish. An advisor may ask about your goals, current investments, family considerations, business interests, and other priorities that could influence your financial plan. You’ll also have an opportunity to ask questions, learn about our approach, and discuss what working together could look like.
