← back to Osborne Redesign
clients.html
183 lines
<!doctype html>
<html lang="en" data-theme="heritage">
<head>
<meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1">
<title>Clients · Osborne Partners</title>
<link rel="preconnect" href="https://fonts.googleapis.com"><link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
<link href="https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@300;400;500;600;700&family=IBM+Plex+Mono:wght@400;500&family=Inter:wght@200;300;400;500;600;700;800&family=JetBrains+Mono:wght@400;500&family=Libre+Caslon+Text:wght@400;700&family=Playfair+Display:wght@400;500;600;700;800;900&family=Space+Grotesk:wght@400;500;700&display=swap" rel="stylesheet">
<link rel="stylesheet" href="assets/theme.css">
</head>
<body>
<div id="site-header-slot"></div>
<main>
<section class="hero">
<div class="container">
<div class="hero__eyebrow">By introduction · Anonymized case studies</div>
<h1 class="hero__title">The families<br><em>we serve</em>.</h1>
<p class="hero__sub">
Eighty-eight years of stewardship has produced a particular kind of client base: founders,
executives, inheritors, retirees, and the institutions they care about. Names withheld;
circumstances real. A representative cross-section of the work, below.
</p>
</div>
</section>
<section class="section">
<div class="container">
<article class="case">
<div class="case__meta">
<span class="tag">Tech founder</span>
<span class="tag">Concentrated equity</span>
<span class="tag">Bay Area</span>
</div>
<h2 class="case__title">A second-time founder, mid-IPO lockup.</h2>
<p class="case__sub">
Engaged us nine months before company IPO. 87% of household net worth concentrated in
founder shares. Plan: 10b5-1 program, charitable lead annuity trust, exchange fund
consideration, and a coordinated personal liquidity ladder for the family's home purchase
and tuition obligations.
</p>
<div class="case__metrics">
<div class="case__metric"><small>Initial concentration</small><strong>87%</strong></div>
<div class="case__metric"><small>Year-3 concentration</small><strong>22%</strong></div>
<div class="case__metric"><small>Tax saved · CLAT</small><strong>$1.4M</strong></div>
<div class="case__metric"><small>Years to fully diversified</small><strong>5</strong></div>
</div>
<p class="case__quote">"They walked me out of single-stock risk without spooking the stock and without picking a fight with the IRS."</p>
</article>
<article class="case">
<div class="case__meta">
<span class="tag">Retired executive</span>
<span class="tag">Generational transfer</span>
<span class="tag">Peninsula</span>
</div>
<h2 class="case__title">A two-generation patrimony.</h2>
<p class="case__sub">
A retired Fortune-100 executive and his wife engaged us in 2014 to plan a deliberate,
tax-efficient transfer of patrimony to their two children and four grandchildren. Plan:
GRATs at the equity peak, intentionally defective grantor trusts (IDGTs) for operating
assets, annual exclusion gifting, and a family LLC governance structure.
</p>
<div class="case__metrics">
<div class="case__metric"><small>Original estate</small><strong>$24M</strong></div>
<div class="case__metric"><small>Transferred / 12 yrs</small><strong>$11M</strong></div>
<div class="case__metric"><small>Estate tax avoided</small><strong>~$4.4M</strong></div>
<div class="case__metric"><small>Governance docs</small><strong>Family LLC</strong></div>
</div>
<p class="case__quote">"Our children understand their inheritance. Our grandchildren understand the work. Tom drafted the family meeting agenda."</p>
</article>
<article class="case">
<div class="case__meta">
<span class="tag">Inherited IRA</span>
<span class="tag">Multi-decade strategy</span>
<span class="tag">CA / NY</span>
</div>
<h2 class="case__title">An inherited IRA, ten-year window.</h2>
<p class="case__sub">
A client inherited an IRA from his mother in 2022. Under the SECURE Act, full distribution
required within ten years. Plan: layer withdrawals to fill bracket capacity each year,
coordinate with Roth conversions in low-income years, and keep effective tax rate below
the marginal rate of a lump-sum distribution.
</p>
<div class="case__metrics">
<div class="case__metric"><small>Initial IRA</small><strong>$420K</strong></div>
<div class="case__metric"><small>10-yr deadline</small><strong>2032</strong></div>
<div class="case__metric"><small>Effective tax rate</small><strong>~21%</strong></div>
<div class="case__metric"><small>vs. lump sum</small><strong>~37%</strong></div>
</div>
<p class="case__quote">"Roohi runs the RMDs to the dollar. Tom runs the tax math. I get a check, on time, every year."</p>
</article>
<article class="case">
<div class="case__meta">
<span class="tag">Foundation</span>
<span class="tag">Institutional</span>
<span class="tag">$50M endowment</span>
</div>
<h2 class="case__title">A family foundation, third generation.</h2>
<p class="case__sub">
A 30-year-old family foundation engaged the firm in 2018 to formalize its investment
policy, benchmark its returns, and prepare for a generational transition of trustees.
Plan: a written IPS aligned with the 5% spending rate, a global multi-asset allocation,
and a quarterly trustee report.
</p>
<div class="case__metrics">
<div class="case__metric"><small>Endowment AUM</small><strong>$50M</strong></div>
<div class="case__metric"><small>Annualized · 7 yr</small><strong>+9.8%</strong></div>
<div class="case__metric"><small>Spending rate</small><strong>5.0%</strong></div>
<div class="case__metric"><small>Trustee transitions</small><strong>3</strong></div>
</div>
<p class="case__quote">"Justin and the team treat us like a fiduciary should — better, candidly, than the trustees treat each other."</p>
</article>
<article class="case">
<div class="case__meta">
<span class="tag">Surviving spouse</span>
<span class="tag">Estate settlement</span>
<span class="tag">Marin</span>
</div>
<h2 class="case__title">A widow's first three years.</h2>
<p class="case__sub">
A long-time client lost her husband unexpectedly in 2022. Tom and Roohi coordinated
settlement of a complex estate, retitled accounts, established a separate cash account
for monthly draw, and walked her through the first three years of solo decision-making
— including the sale of one home and the purchase of another.
</p>
<div class="case__metrics">
<div class="case__metric"><small>Settlement timeline</small><strong>11 months</strong></div>
<div class="case__metric"><small>Accounts retitled</small><strong>14</strong></div>
<div class="case__metric"><small>Home sale (net)</small><strong>$3.1M</strong></div>
<div class="case__metric"><small>Decision-support calls</small><strong>~weekly</strong></div>
</div>
<p class="case__quote">"They held my hand through the worst year of my life and the two that followed. I cannot rate them highly enough."</p>
</article>
<article class="case">
<div class="case__meta">
<span class="tag">Small-business owner</span>
<span class="tag">Sale planning</span>
<span class="tag">East Bay</span>
</div>
<h2 class="case__title">From sole proprietor to liquid retiree.</h2>
<p class="case__sub">
A 60-year-old business owner came to the firm five years before his planned sale. Plan:
installment-sale structuring, a pre-sale charitable remainder trust to defer capital
gains, a personal goodwill allocation, and a post-sale wealth plan supporting an indexed
$400k/year withdrawal.
</p>
<div class="case__metrics">
<div class="case__metric"><small>Sale price</small><strong>$12.4M</strong></div>
<div class="case__metric"><small>Cap gains deferred</small><strong>$2.1M</strong></div>
<div class="case__metric"><small>Annual draw funded</small><strong>$400K</strong></div>
<div class="case__metric"><small>Years modeled</small><strong>30+</strong></div>
</div>
<p class="case__quote">"My CPA said I needed a wealth manager. Tom said I needed three years of planning. Tom was right."</p>
</article>
</div>
</section>
<section class="section section--alt">
<div class="container" style="text-align:center;max-width:780px">
<div class="section__eyebrow">Privacy is a feature</div>
<h2 class="section__title" style="margin-left:auto;margin-right:auto">Names changed. Numbers real.</h2>
<p class="section__lead" style="margin-left:auto;margin-right:auto">
We do not advertise our clients. The cases above are anonymized representations of the
kinds of households the firm serves. If you would like to speak with a current client as
a reference, we are happy to arrange an introduction after a first conversation.
</p>
<a href="contact.html" class="btn">Begin a conversation →</a>
</div>
</section>
</main>
<div id="site-footer-slot"></div>
<div id="theme-picker-slot"></div>
<script src="assets/site.js"></script>
</body>
</html>