For Families with Complicated Financial Lives

Personal CFO Services for Ultra-High-Net-Worth Families

Wealth creates work. Statements arrive from six custodians. A capital call needs funding in 10 days. Property taxes come due in three states, household payroll runs every two weeks, a charitable pledge matures in December, and the quarterly estimate must clear before the deadline.

The work isn’t difficult, but it is constant. All of it is relentless. And when the details slip, they cost real money: a missed capital call, an idle six-figure cash balance, a late filing, a policy nobody renewed.

Many ultra-affluent families may answer this by hiring an assistant, leaning on a bookkeeper, or absorbing the work themselves. Those arrangements move the tasks off your desk without ever connecting them to your plan.

Savant takes a different approach. Our personal CFO services put a professional in the seat a chief financial officer would hold in a company, then help connect that role to your advisor, your tax specialists, and your estate structure. One point of accountability for the financial administration covered by your engagement, and one team that already knows why the money is moving.

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family office meeting with Savant personal CFO

One Point of Accountability, Not One More Vendor

Outsourced CFO services break down when the person doing the work sits outside the plan. A bookkeeper reconciles the accounts but never sees the trust structure. An assistant pays the bills but cannot say whether the cash should have come from a different entity. Everyone handles a piece, and you still hold the whole thing together.

Savant can help close that gap:

We inventory everything before we touch anything.

We map your accounts, entities, trusts, recurring obligations, vendors, and outside advisors, then document how money actually moves through your financial life today.

We run the operations.

Bill pay services, wire and ACH processing, recordkeeping, and vendor management move to our team. You approve. We execute, document, and follow through.

We manage cash on purpose.

Cash flow management means forecasting what you owe and when, holding liquidity in the right entity, and putting idle balances to work instead of leaving them in a checking account.

We coordinate your banks and lenders.

Your Savant team works alongside your private bankers on credit lines, mortgages, and securities-based lending, so every borrowing decision accounts for its tax and portfolio effects.

We connect the work to the plan.

Your personal CFO sits inside the same firm as your advisor, tax professionals, wealth transfer specialists, and trust professionals, and everyone works from one shared view of your balance sheet.

We report on a schedule.

You receive consolidated reporting across custodians and entities, budget against actuals, and a clear answer to what came in, what went out, and what comes due next.

What Our Personal CFO Services Include

The Personal CFO Role

Your personal CFO strives to quarterback the financial side of your life, helps drive open items to completion, and gives you one person to call instead of six.

Bill Pay Services

We receive, review, route for approval, and pay household and entity bills on schedule, and we keep documentation and a clear audit trail for every transaction.

Cash Flow Management

Personal bill pay and cash flow management work as one function. We forecast taxes, capital calls, debt service, and lifestyle spending, then position cash where you will need it.

Personal Accounting Services

Bookkeeping, general ledger maintenance, entity-level financial statements, and cost basis tracking give your tax team, your trustees, and you clean records to work from.

Family Financial Administration

Your team owns, tracks, and reconciles household payroll, benefits, insurance renewals, vendor contracts, and property expenses across every residence and entity.

Financial Concierge Services

We can help assist with wire transfers, account openings, private banking coordination, and the dozens of small requests that come with a complex financial life.

Business Advisory Services, Financial Advisor Providing Wealth Planning Services to a Group of Executives, personal CFO services for Family Office

Start with What Runs Your Financial Life Today

Most families already operate a system, even if nobody designed it. Show us how bills get paid, who watches the deadlines, and where the records live. We will tell you what to keep, what to hand off, and what real financial organization looks like once our personal CFO services team owns it.

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Frequently Asked Questions About Savant’s Personal CFO Services for Ultra-High-Net-Worth Families

What is a personal CFO?

A personal CFO manages the financial operations of a family the way a chief financial officer manages a company’s finances. The role covers cash flow management, bill payment, recordkeeping, entity and trust administration support, banking coordination, and reporting, and it holds accountability for the deadlines and details that span all of them. Personal CFO services for high-net-worth individuals come down to one thing: having a single professional who knows the whole picture and drives every open item to completion.

What is the difference between a personal CFO and a bookkeeper or accountant?

A bookkeeper records what happened. An accountant reports and files. A personal CFO decides what should happen next, then makes it happen. The distinction matters most in the forward-looking work: funding a capital call from the right account, timing a large gift around a tax event, or positioning liquidity before a pledge comes due. Savant provides personal accounting services with personal CFO services layered directly on top, so the recordkeeping and the decisions share the same set of facts.

What do personal CFO services include?

Savant’s family CFO services typically cover the personal CFO role itself, bill pay services, cash flow forecasting, wire and ACH processing, vendor management, household payroll, bookkeeping and entity-level financial statements, private banking and lending coordination, and consolidated reporting across custodians and entities. Families choose the pieces they want because the point is to fill the gaps you would rather not staff yourself.

Who controls the money?

You do. Your approval authority and your controls stay in place, and we build the process around them. Savant executes payments and transfers you authorize, documents them, and reports on the activity.

Who needs family CFO services?

Families usually reach for outsourced CFO services when the administrative load outgrows the people carrying it. Common signals include multiple entities or trusts, private investments with capital calls to fund, property in several states, household staff on payroll, a recent business sale, or the simple fact that one family member has quietly become the family’s operations department. Family financial management services can help relieve that person.

Do you provide financial administration for business owners?

Yes. Business owners carry the hardest version of this problem, because personal and entity finances overlap constantly. Savant’s accounting and consulting professionals maintain the books, prepare entity-level statements, run payroll, and support entity structuring, while your advisor and tax specialists keep the business decisions aligned with your personal plan and your eventual succession or sale.

Can Savant work with my current accountant, attorney, or bookkeeper?

Yes, and many families prefer that. We serve as the central point of contact and coordinate with the professionals you already trust, which keeps long relationships intact while closing the gaps between them. When it makes sense to bring work in-house, we will say so and show you why.

Do you replace our family office staff, or work alongside them?

Both are options. Some ultra-high-net-worth families bring personal CFO services in because there is no internal staff yet. Others already run a family office and may want Savant’s team to fill one specific role, such as bill pay, cash flow forecasting, or banking coordination, without duplicating what an existing controller or family office manager already handles. We build the engagement around what is already in place rather than a standard package.