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.
Begin the Conversation Client Portal Login
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 →A practical guide for families with $15M–$50M in assets exploring how to transfer wealth to the next generation through trusts, gifting, GRATs, and family governance — while considering estate-tax implications.
Read Article →A comprehensive wealth transfer checklist covering estate documents, trust structures, beneficiary designations, investment accounts, insurance, heir preparation, and professional coordination.
Read Article →What each professional does, where the gaps typically occur, and how to build a team that actually works together for high-net-worth families.
Read Article →What family offices do, why most families at this wealth level can't access one, and what a boutique wealth management practice delivers instead — for families with $10M–$50M in assets.
Read Article →A practical guide for business owners approaching a $10M–$30M exit — covering the pre-sale planning actions that may help manage tax exposure, support wealth-transfer goals, and position the owner for a successful financial transition after close.
Read Article →A clear guide to when probate is required, when it can be avoided, and how to structure your estate to protect your family from unnecessary court costs and public disclosure.
Read Article →A joint trust alone can't protect blended families. How a three-trust architecture, QTIP elections, and proper governance safeguards preserve each spouse's wealth for their own children.
Read Article →Trump Accounts are live as of July 2026. How they compare to 529 plans, how FAFSA treatment differs, and how to build an optimal blended gifting strategy for your children and grandchildren.
Read Article →Initiative No. 25-0024 proposes a one-time 5% tax on net worth above $1 billion, with a January 1, 2026 residency lock and December 31, 2026 valuation date. Here's what to do before the vote.
Read Article →The QSBS Flip strategy can expand your federal tax exclusion from $15M to $80M or more on a $100M exit. What founders need to know before a liquidity event.
Read Article →A practical guide for heirs and executors: protect an inheritance, navigate the 10-year IRA rule, settle an estate in four phases, and avoid costly mistakes.
Read Article →Tax law changes, new beneficiaries, and shifting family dynamics can quietly erode an estate plan. Why an annual review is essential — and what it should cover.
Read Article →The families that sustain wealth across generations are the ones that talk about it. A guide to age-appropriate financial education for high-net-worth families.
Read Article →When significant wealth arrives unexpectedly, the most important move is to slow down. A practical guide to the first 90 days after a sudden inheritance.
Read Article →A comprehensive step-by-step guide to navigating inheritance and estate settlement — from probate and asset titling to tax strategy and family dynamics.
Read Article →The greatest threat to multigenerational wealth is absent preparation. A framework for giving heirs the values, skills, and context to steward what they receive.
Read Article →Despite public-market volatility, private credit offers durable yield premiums and floating-rate income for high-net-worth investors seeking alternatives in 2026.
Read Article →Section 1202 QSBS can exclude up to $15M in capital gains from federal tax. With stacking strategies that number goes higher. What founders and investors need to know.
Read Article →Most investors wait until year-end to harvest tax losses. The families who compound wealth most efficiently treat it as a continuous, year-round discipline.
Read Article →A guide for families managing concentrated stock positions — covering the risks of concentration, tax-efficient diversification strategies, and how to evaluate the trade-offs.
Read Article →A guide for business owners preparing for a significant exit — covering pre-sale tax planning, estate planning, investment coordination, and the planning actions that have to happen before the LOI arrives.
Read Article →A clear explanation of what the wealth advisor does in estate planning that an estate attorney cannot — from asset selection for trusts to beneficiary designation coordination.
Read Article →A practical guide on how to coordinate your estate attorney, CPA, and wealth advisor — the handoffs that matter most and how to avoid the most common coordination failures.
Read Article →What funding a trust means for your investment portfolio — covering asset selection, basis implications, retirement accounts, and the coordination questions families often miss.
Read Article →A guide to family governance for high-net-worth families — what it is, why it matters, and how to build a framework for family decision-making before a liquidity event or generational transition.
Read Article →A practical framework for families deciding between outright inheritance and trust distributions — covering creditor protection, divorce risk, generation-skipping, and control considerations.
Read Article →A practical guide for families preparing heirs to receive significant wealth — covering financial education, trust mechanics, and the conversations that determine whether an inheritance strengthens or strains a family.
Read Article →A guide for parents navigating heir preparation — what financial knowledge, values conversations, and practical experience help children receive wealth responsibly.
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.
No spam. Unsubscribe anytime. For informational purposes only — not investment advice.
Contact Us
Ready to navigate your transition with total clarity? We are here for the conversation that changes everything.
