Strategic Protection for
Your Wealth & Business
As your wealth grows, so does your exposure. Most people spend their energy focused on building revenue, net worth, and assets, but protecting what you’ve built is equally as important.
At Pelican Family Office, our risk mitigation specialists take a comprehensive look at your personal and business exposure and match you with the most effective, cost-efficient strategies available.
Whether that involves life insurance, property and casualty coverage, captive insurance structures, or other specialized tools, we ensure your downside is protected so your upside can continue to grow.
- Comprehensive exposure analysis:
We evaluate risk across your entire financial picture, business liabilities, personal assets, key-person dependencies, and estate, to ensure nothing is left unaddressed.
- Beyond basic insurance:
For individuals and business owners, traditional insurance is often just one piece of the puzzle. We also explore advanced structures like captive insurance companies and other sophisticated risk tools.
- Cost-effective strategies:
Protection shouldn’t be overpriced or overcomplicated. We design risk strategies that are both strategically sound and economically efficient.
The Pelican Family Office Approach
Strategic Risk Planning that’s Aligned with Your Financial Plan
Holistic Risk Review: We look at your entire financial landscape, personal, business, and estate, to identify all areas of exposure before recommending any solutions.
Independence from Carriers: Our risk specialists work for you, not for an insurance company. We evaluate the full marketplace to find coverage that genuinely fits your situation.
Strategic, Not Reactionary: Risk mitigation is built into your financial plan from the start, not added as an afterthought after a problem occurs.
Coordination with Tax and Legal Teams: Many risk strategies, like captive insurance or certain life insurance structures, have tax and legal implications. Our teams work together to optimize across all dimensions.
Coverage Reviews: As your business grows or your family’s circumstances change, so do your risk exposures. We revisit your coverage regularly to make sure it keeps pace.
Education-First Approach: We explain every recommendation clearly so you understand what you’re protected against, what it costs, and why it’s the right fit for your situation.
Who It’s For
Risk mitigation is essential for business owners, high-net-worth individuals, and anyone whose financial success has created meaningful exposure.
If you’ve experienced rapid growth in your business or personal assets, have key employees or partners critical to your operations, or haven’t reviewed your insurance coverage in several years, you likely have gaps you’re not aware of.
Pelican Family Office serves clients who want a proactive, strategic partner to ensure their hard-earned wealth is properly protected, not just insured.
The Process
- Exposure Assessment:
We begin with a thorough review of your personal and business risks, existing coverage, and financial structure to identify vulnerabilities and gaps.
- Strategy Design:
Our team develops a customized risk mitigation plan using the most appropriate tools: insurance, captive structures, entity strategies, and more.
- Implementation & Placement:
We connect you with the right products and carriers, manage the application process, and ensure your coverage is in place correctly.
- Ongoing Monitoring & Adjustment:
Risk profiles change over time. We review your coverage regularly and update your strategy as your assets, business, and family circumstances evolve.
Related Multi-Family Office Services
Frequently Asked Questions
What is a Multi-Family Office?
A Multi-Family Office is a coordinated planning model where your CPA, financial advisor, attorney, insurance strategist, and advanced planning specialists work together as one unified team.
Instead of fragmented advice, you receive one strategy, one plan, and one timeline across your entire financial life.
How is Pelican different from traditional financial advisors?
Most advisors work in silos. Investments here, taxes over there, legal somewhere else. You’re left to connect the dots. Pelican eliminates that burden by integrating everyone into one coordinated system, proactively timing decisions around tax windows, planning deadlines, life events, and business moves.
Who is Pelican Family Office designed for?
We serve:
- High-earning individuals 550K AGI or more
- Multigenerational families
- Successful business owners
- Entrepreneurs planning exits
- Clients who want tax-smart, coordinated decisions
- CPAs seeking a planning partner for their best clients
If your financial life has complexity, Pelican brings clarity.
Do you replace my CPA, attorney, or advisors?
No. We enhance them.
Your professionals stay in place; Pelican simply coordinates the team and fills in planning gaps.
If you need additional specialists, we bring them to the table.
How do you charge for your services?
Simple and transparent.
Based on your situation, this may include:
- A flat annual advisory fee, or
- An assets-under-supervision fee, or
- A project-based fee for specialized planning
We provide clarity up front. No surprises, no hidden layers, no commissions on planning.
Do I need a certain net worth or income?
Pelican is designed for individuals, families, and business owners who:
- Want advanced planning and tax coordination
- Have complexity (multiple accounts, entities, or assets)
- Value proactive advice instead of reactive service
Most clients have $2M–$50M+ in assets or are business owners with meaningful planning needs and earn 550K or more in AGI.
How does Pelican coordinate with my CPA?
We meet with your CPA regularly, share planning agendas, and coordinate tax timing with your investment and business strategies.
You no longer relay messages; we handle the coordination so your CPA can do their best work.
What technology do you use?
Clients receive a secure digital portal that organizes:
- Net worth
- Investment accounts
- Estate & legal documents
- Tax documents
- Insurance summaries
- Business interests
- Projections
- Plan comarisons real time
Everything is centralized for transparency and efficiency.
How often do we meet?
Most clients follow a structured review process:
- Quarterly strategy updates
- Annual tax strategy session
- Annual estate & legacy review
- Business planning meetings, as needed
- Unlimited support for major decisions
We meet as much as your situation requires, no extra fees.
How do I get started?
We begin with a short discovery conversation to understand your goals, concerns, and current advisory structure.
From there, we conduct a Clarity & Coordination Assessment to identify gaps, opportunities, and tax savings potential.