The start of the greatest transition of generational wealth
Predicted to be the start of the greatest transition of wealth, 2025 will see many baby boomers seeking strategies for passing on generational funds to Gen Xers and millennials. If you’re in good health, this might be the furthest things from your mind right now. However, the year end also marks the start of tax season, a perfect time to review your wealth management strategies.
“As tax season nears, a clear wealth management strategy is essential. In the fourth quarter, we refine projections, review tax withholdings, estimated payments and potential Medicare premium impacts,” says R. Brian Culpepper, president and CEO of James Investment of Xenia. “Strategies like investment loss harvesting and timing charitable contributions can help reduce tax liabilities, empowering clients to lower their tax burden now and in the future.”
Founded in 1972, James Investment started with an initial investment of just $500 in 1972 and now has assets under management that exceed $1 billion.
Serving clients in all 50 states, through its individually managed accounts, mutual funds, wealth management services and estate planning, the firm has successfully navigated all types of marketing environments, helping its clients realize their financial goals.
James offers a wide array of wealth management services beyond personalized investment strategies. This includes financial and estate planning, tax planning, charitable gifting strategies, and retirement planning, among others. The firm is also featured as an authoritative source on major national media, like Fox News, CNBC and Bloomberg in addition to local television channels.
However, it’s never lost track of personalized service, nor its local Greater Miami Valley roots.
“James Investment is a local, family-owned firm committed to providing tailored, unbiased financial guidance,” says Culpepper. “We offer a holistic approach, covering investment, financial, tax and estate planning—serving as a one-stop resource for wealth management. Unlike many firms with semi-annual check-ins, we connect quarterly with a prepared agenda and performance report, helping clients plan effectively. After each meeting, clients receive a concise summary with clear next steps, promoting accountability and alignment.
“Our approach keeps clients informed and engaged, enhancing decision-making and planning. We balance personalized guidance with client preferences for a seamless, positive wealth management experience.”
Which puts this local investment firm in something of a “catbird seat,” or an enviable position if you’re not a baby boomer.
While personalization has always been a cornerstone of wealth management, customized financial strategies are becoming increasingly important. Clients today expect more than the cookie-cutter approach, even while the use of data driven tools and AI is on the increase. Clients also desire more transparency, accessibility and control over both their financial future and their assets. While AI offers excellent tools for data management and portfolio analysis, there is a lack of personalized understanding that only human advisers can provide.
