Whether you are meticulously planning a legacy or navigating an unexpected inheritance, we guide your family from the complexity of today to the clarity of tomorrow.
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About
Our name is a nod to the community on a small Florida island where residents gather at the shoreline to marvel at the transition from day to night during the “Amber Hour.” We believe wealth management should be met with that same sense of peace and awe. We bring a high touch approach to your wealth management without the expense of a large institution. We position ourselves as the go-to point person for all your financial needs for the entire family.
We are a boutique firm working with a limited number of families nationwide. We do not sell any products and adhere to a strict fiduciary standard. We believe aligning on your side of the table produces the right environment to achieve your goals. Our primary goal is to help educate and explain complex financial concepts to you in an easily understandable context. That way YOU feel confident that YOU are making the best financial decisions.
Our logo represents three pillars to wealth management.
Who We Help
Every family arrives at wealth differently. Whether you built it, inherited it, or are preparing to pass it on — we meet you exactly where you are.
Entrepreneurs, executives, and professionals building significant wealth who need a strategic partner to structure, protect, and grow what they've earned.
Established families navigating complex estates, coordinating across generations, and preserving a legacy built over a lifetime.
Heirs preparing to receive or recently inheriting significant assets who deserve clarity, education, and a trusted advisor to guide their first steps.
Discerning individuals seeking a deeply personal, concierge-level wealth management experience — with direct access to a dedicated steward.
Services
Access to private markets, including private equity, private credit, and real assets, as part of a diversified investment approach beyond traditional asset classes.
Systematic Tax-Loss Harvesting and precise Asset Location strategies that transform your tax burden into compounding capital over generational time horizons.
Comprehensive estate coordination and heir preparation — ensuring your legacy transfers with clarity, dignity, and the values you have spent a lifetime cultivating.
Seamless collaboration with your attorneys and CPAs to ensure your investment strategy is fully aligned with your legal structures and tax obligations.
White-glove access to a dedicated advisor for every need — from family financial education and account administration to bespoke lifestyle and philanthropic planning.
A unified view of your entire financial picture — across all accounts, custodians, and asset classes — delivered through a secure, real-time digital dashboard.
As an Investment Adviser Representative, we operate under a 100% Fiduciary Standard — your interests, always first.
Standard Fee Schedule
Amber Hour Private Wealth charges a single, all-inclusive advisory fee based on assets under management. Our tiered schedule rewards scale — your blended rate decreases as your relationship grows. Fees are billed quarterly in arrears and prorated for partial periods.
| Assets Under Management | Annual Advisory Fee |
|---|---|
| First $2,000,000 | 1.00% |
| Next $3,000,000 ($2M–$5M) | 0.85% |
| Next $5,000,000 ($5M–$10M) | 0.70% |
| Next $15,000,000 ($10M–$25M) | 0.55% |
| Above $25,000,000 | Negotiable |
Tiered & Blended
Each tier applies only to assets within that band, producing a blended effective rate across your full portfolio.
All–Inclusive
Includes investment management, financial planning, tax coordination, estate guidance, and ongoing stewardship.
Account Minimum
A typical engagement begins at $2,000,000 in investable assets, with flexibility for families with significant complexity or near-term liquidity events.
Advisory fees do not include underlying fund expenses, custodial charges, transaction costs, or fees for investments in private market vehicles, which are disclosed separately. Fees may be negotiable based on the scope, complexity, and size of the engagement. For complete fee details, please refer to Savvy Advisors’ Form ADV Part 2A.
Client Experience
Phase One
We conduct a deep dialogue to align your capital with your goals. We listen before we advise. During this phase we will build out a clear picture of your current assets, goals, and important factors to your wealth.
Phase Two
After the Discovery phase, we build together a plan of action and strategy for the future. All along coordinating with your tax and legal counsel to implement a strategy of structural precision and purpose.
Phase Three
Once the plan is created, the work is just getting started. Through ongoing review meetings and 24/7 digital access using today’s cutting-edge tech — we provide vigilant oversight as your life’s wealth plan and legacy evolve.
Your Personal Wealth Manager
Founder & Private Wealth Advisor
"I built Amber Hour to provide the clarity and dignity every family deserves during their most impactful decision points."
Chris Chorlins, CFP®, is a CERTIFIED FINANCIAL PLANNER™ professional with deep roots in wealth management, built across more than two decades serving high-net-worth individuals and families at some of the industry's most respected firms. He began his career as a Financial Consultant at PNC Investments and a Trading Specialist at Wells Fargo Advisors, before joining Edward Jones as a Financial Advisor where he served clients in a variety of advisory and home office roles.
Chris later served as Director of Investments and Client Strategy at Greenway Family Office, where he led investment research and coordinated the full planning experience for ultra-high-net-worth families — work that earned the firm's acquisition by MAI Capital Management in 2020. It was through those years of hands-on family office work that Chris developed a conviction: the families who navigate life's greatest financial transitions with the most clarity are those with a deeply trusted, single point of accountability at their side.
That conviction became Amber Hour. Chris founded the firm to deliver institutional-quality stewardship with the warmth and personal accountability of a true family advisor. His education reflects that same blend — a B.A. in Psychology and Sociology from the University of Missouri-Columbia, and an MBA in Finance and Management from Washington University in St. Louis, giving him both the human insight and technical rigor his clients deserve.
Away from the office, Chris is an engaged community member who coaches his son's youth hockey and baseball teams, and serves on the board of the St. Louis County Library Foundation. He volunteers as a holiday helper for the St. Louis Crisis Nursery and the Red Cross Angel Tree program each year. His personal passions — live music, St. Louis sports, and exploring new destinations around the world — give him a richness of perspective that shapes how he thinks about life, legacy, and what truly matters.
The Amber Hour Promise
No junior associates. No call centers. You work directly with the architect of your strategy — a dedicated steward committed to your family's legacy from first conversation to final resolution.
Insights
Timely thinking on estate planning, tax strategy, private markets, and the human side of wealth transfer — written for families navigating life's most significant financial moments.
The largest intergenerational wealth transfer in history is already underway. We break down what it means for multi-generational families — and the five conversations you should be having with your advisor right now.
Read Article →Grief and financial complexity arrive together. A disciplined framework for protecting an inheritance, navigating the 10-year IRA rule, and settling an estate without costly mistakes.
Read Article →Most founders know about the $15M QSBS exclusion. Fewer know about the Flip strategy — a pre-liquidity restructuring that can expand that exclusion to $80M or more on a $100M exit.
Read Article →California's proposed annual wealth tax on worldwide assets could affect high-net-worth residents and even those who leave the state. What families need to know — and do — now.
Read Article →Tax law changes, new beneficiaries, and shifting family dynamics can quietly erode a plan built years ago. Here's a practical framework for keeping your estate strategy current — and why annual reviews can save your heirs millions.
Read Article →Most investors wait until year-end. The families who compound wealth most efficiently treat tax harvesting as a continuous discipline — not a last-minute scramble. Here's how Parametric and AQR Flex do it year-round.
Read Article →Despite public-market volatility and renewed scrutiny of private market valuations, the structural case for private credit remains compelling in 2026. We examine why — and how manager selection separates the story from the asset class.
Read Article →Inheritance without preparation is one of the leading causes of wealth dissipation across generations. A framework for giving heirs the values, skills, and context to steward what they receive — at every age.
Read Article →When significant wealth arrives unexpectedly, the pressure to act quickly can lead to costly, irreversible mistakes. A practical 90-day roadmap — from gathering documents to building your advisory team to establishing a lasting plan.
Read Article →Section 1202 can permanently eliminate federal taxes on up to $15 million in capital gains — and stacking strategies can multiply that benefit across a family. What founders, early employees, and angel investors need to know before a liquidity event.
Read Article →Financial capital without human capital is fragile. The families that sustain wealth across generations are the ones that talk about it. A practical guide to age-appropriate financial education for high-net-worth families.
Read Article →The best time to begin estate planning is now, regardless of age or asset level. The moment you have dependents, real property, or a business interest, a formal plan protects what you've built and ensures your intentions are honored.
A financial advisor typically focuses on investment management and retirement planning. A wealth manager takes a broader, holistic view — coordinating investments, tax strategy, estate planning, and family governance into a single integrated plan. Amber Hour Private Wealth operates as a fiduciary wealth manager.
Multi-generational wealth transfer involves a combination of trusts, gifting strategies, beneficiary designations, and heir education. Effective transfer planning minimizes estate taxes, preserves family harmony, and ensures each generation is prepared — not just endowed.
Resist the urge to make major financial decisions in the first 90 days. Secure assets, consult a fiduciary advisor, understand the tax implications, and develop a clear picture of your full financial situation before taking action. Clarity before velocity.
Occasional perspectives on wealth strategy, estate planning, and market transitions — written for families, not institutions.
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