Hiral Kakaiya
Building Unshakeable Financial Foundations That Protect, Preserve, and Pass On
True wealth isn't measured by what you accumulate, but by the unshakeable foundation you build to protect and transfer it to those who matter most. Through strategic asset structuring and comprehensive risk management, I work with families and business owners to create legacies that last generations.
Who I Work With
I partner with individuals and families who understand that real wealth isn't just about growth—it's about protection, structure, and legacy.
Growing Families
Young professionals and families building wealth who need protection-first strategies, income security, and education funding structures.
Business Owners
Entrepreneurs seeking business succession planning, key person protection, and smooth intergenerational wealth transfer strategies.
High Net Worth Individuals
Established families requiring sophisticated asset structuring, estate planning, and multi-generational legacy preservation.
The Asset Structuring Pyramid
Comprehensive wealth management requires more than just financial planning—it demands a systematic approach to protecting, growing, and transferring wealth across generations. I use the proven Asset Structuring Pyramid framework developed by Dr. Sanjay Tolani to create customized strategies for each family.
Protecting Your Wealth (Foundation)
Building a solid foundation to shield your assets from legal, tax, and operational risks. Without protection, everything above becomes vulnerable.
Structuring for Growth
Creating strategies for sustainable wealth growth through diversification, tax efficiency, and strategic liquidity management.
Building a Legacy
Aligning your wealth with values and planning for intergenerational success through inheritance planning and family governance.
Structuring for Impact
Leveraging strategic giving to create meaningful contributions through charitable structures and impact investments.
Sustaining the System
Ensuring adaptability and continuity through collaboration, education, and regular reviews that keep your plan relevant.
Business Succession Planning
The challenge of passing wealth to the next generation goes beyond just dividing assets
The Third-Generation Challenge
A grandfather built a successful business and split it 50/50 between his two sons. When the third generation arrived—two children from one son and one from the other—the legally "fair" distribution created emotional resentment.
The cousins who received 25% each couldn't understand why their sibling received 50%. Despite legal fairness, the family unity eroded.
The lesson: Financial fairness doesn't equal emotional fairness. Successful succession requires both.
Common Succession Challenges
The Two-Stage Risk Framework
Systematic identification and management of risks for Families, Businesses, and Individuals (F.B.I.)
Identifying Risks
You can't solve what you don't see. We systematically assess vulnerabilities across seven critical categories:
- Loss of Income
- Loss of Wealth
- Loss of Talent
- Loss of Knowledge
- Loss of Wisdom
- Loss of Experience
- Loss of Relationships
Managing Risks
For each identified risk, we determine the optimal management strategy:
Beyond Numbers: Emotional Equity in Wealth Transfer
When families fail to address emotional fairness alongside financial fairness, misunderstandings arise—eroding the unity the legacy was meant to sustain.
True legacy planning isn't just about who gets what. It's about ensuring every generation feels valued, heard, and supported.
— Dr. Sanjay Tolani
Protection Adequacy Guidelines
Industry-standard formulas for comprehensive financial protection
These are foundational guidelines. Your actual needs depend on family structure, existing assets, financial obligations, and legacy goals.
Built on Trust, Delivered Through Expertise
My practice is built almost entirely through referrals—reflecting the deep trust and long-term value I bring to each relationship.
What Clients Say
Real experiences from families who've built their financial foundations with me
Ready to Build Your Financial Foundation?
As a Protection & Legacy Strategist and Asset Structuring Club™ certified professional, I work with families, business owners, and high net worth individuals to create comprehensive wealth structures that protect what matters most and build legacies that last.