Bloomfield Hills, Michigan
Financial Guidance for Bloomfield Hills Families
Bloomfield Hills is one of the highest-income communities in the United States. The planning conversations here are different — high-net-worth estate planning, business succession, multi-generational wealth, and tax strategies that move six and seven figures. Ten Point Financial Group works with Bloomfield Hills families on integrated planning that coordinates with the best estate attorneys and CPAs in Metro Detroit.
$15M
2026 federal exemption (per person)
$30M
Per married couple, 2026
Coordinated
With your full advisory team
Why Bloomfield Hills
Bloomfield Hills households face planning concerns that most Americans never encounter — federal estate tax exposure, business sale transitions, generation-skipping, charitable strategies, and the management of legacy assets across multiple decades. The federal exemption is now $15M per person ($30M per couple) from 2026, and many families here are still above it. We work alongside the estate attorneys, CPAs, and trust companies you already have — adding the financial planning, insurance, and coordination layer that ties everything together.
How we help
Federal Estate Tax Planning
Modeling exposure under the $15M per person exemption, with the 40% tax on amounts above it. ILITs, GRATs, SLATs, IDGTs, and the gifting strategies that compress estate value efficiently.
Business Sale + Exit Planning
QSBS, installment sales, CRTs, ESOPs, Opportunity Zones — coordinated with attorneys and CPAs 3-5+ years before the sale event.
Multi-Generational Wealth Strategy
Dynasty trusts, generation-skipping transfer tax planning, family LLCs, and education funding across generations.
Charitable Strategy
DAFs, CRTs, charitable lead trusts, qualified charitable distributions — coordinated with values, tax goals, and family involvement.
Risk Management at Scale
Umbrella liability, asset titling, and insurance design appropriate for high-net-worth households.
Frequently asked questions
Do you have an asset minimum?+
We don't enforce a strict minimum. Most of our Bloomfield Hills client engagements involve estates over $5M, but the right conversation depends on the situation. Initial consultations are free and exploratory.
We already have an estate attorney and CPA. Why bring you in?+
Estate attorneys draft documents. CPAs file returns. Neither is paid to design the integrated multi-decade plan that coordinates them. That's the gap we fill — we're the team member whose job is to make sure all the pieces work together.
Did the 2026 estate tax sunset happen?+
No. The One Big Beautiful Bill Act, signed July 4, 2025, set the federal exemption at $15M per person ($30M per married couple) starting in 2026. It rises with inflation and has no scheduled end date. The 40% rate above it did not change. If your estate is above those amounts, planning still matters. ILITs, SLATs, and other complex trusts are done with your estate attorney, and we coordinate the insurance and financial side.
We're planning to sell our business. Where do you fit?+
Earlier is much better. QSBS, installment sales, CRT structures — most need a 3-5+ year runway to set up properly. We start the conversation early and coordinate with the M&A attorneys and CPAs you'll need.
Do you provide investment management?+
We focus on planning, insurance, and tax strategy. For investment management, we coordinate with the registered advisors or trust companies you already work with (or refer you to firms we trust if you're starting fresh).
Learn more
Schedule a confidential consultation
Bring the situation — estate complexity, business transition, multi-generational planning. We'll listen, map the landscape, and identify where we add value (and where we don't).
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.