Advisor basics
investable assets
Investable assets are the money you can put to work, such as cash, brokerage and retirement accounts. Advisors use them to set client fit. Most exclude your home and other real estate.
Investable assets are the savings and investments you could move into a portfolio. That usually means cash, brokerage accounts, IRAs and 401(k) accounts. Many firms leave out your home and other real estate because you cannot easily move it into investments. Definitions vary, so ask the firm which accounts count.
For example: a family owns a $1.5 million home. They also have $400,000 in a 401(k), $300,000 in brokerage accounts and $50,000 in cash. Their investable assets, under the usual definition, are $750,000. The home does not count.
Why it matters: firms set a line for who they can serve well. Seek First says: "We work with families who have more than $1 million in investible assets." Knowing your own number helps you decide quickly whether a firm fits.
For a family planning gifts, the number matters too. It shapes how much you can give, how you fund gifts, and how a retirement plan holds up. A company stock grant or an inheritance can change your number fast.
To see how Seek First works with families, read how we serve.
Related terms
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We work with families who have more than $1 million in investible assets and are looking for a long-term, high-trust advisory relationship. If that sounds like you, let’s start with a conversation.
