◈ Homepage — http://www.sandhillglobaladvisors.com/CLIENT EXPERIENCE ABOUT US INSIGHTS CLIENT LOGIN CONTACT US Search Search CANCEL Embracing Life's Financial Journey Navigate complexity with Sand Hill by your side LEARN MORE LOCATED IN THE HEART OF SILICON VALLEY AND IN THE HEART OF SAN FRANCISCO'S FINANCIAL DISTRICT 12 The Sand Hill Blog VIEW ALL APR 30, 2026 Planning for an American Expat Life Anthony Craun,  CFA LINK Fueled by the advance of technology, flexibility of remote work, continued expansion of global business, and desirable cost of living tradeoffs for retirees, the ranks READ MORE APR 30, 2026 Why Portfolio Diversification Matters Megan Breslin LINK March Madness is a welcomed time of year in the basketball world, but madness in the stock market isn’t as joyful to watch. While both READ MORE APR 29, 2026 Charitable IRA Beneficiaries: How Your Generosity Could Backfire Kimberly Pham,  CFP® LINK Charitable planning is often an important element of many estate plans, and retirement accounts can be a valuable tool for those looking to leave a READ MORE APR 29, 2026 Keeping Loans in the Family, Without Getting Burned by the IRS Miriam Santiago,  CFP® LINK With families, lending money can feel easy and natural. When it comes to supporting something as important as a new home purchase or simply helping READ MORE Our Expertise We’ve been here since Silicon Valley was a startup itself. That’s why when you work with Sand Hill, you have a partner that understands the unique challenges you face. From entrepreneurs and executives to individuals and families, we’re here to help you make the most of your wealth today and tomorrow. With us you’re not just a name and numbers on paper, you’re a person we want to get to know so we can help you reach your goals, streamline your life, and solidify your legacy. LEARN MORE Individuals & Families Specialized Planning Needs Entrepreneurs We understand there are unique challenges of managing wealth generated in Silicon Valley—from private equity and concentrated stock to liquidity events and succession planning. Executives Executive Compensation has grown increasingly complicated. At Sand Hill, we have long-standing experience with RSUs, deferred compensation, and specialized tax and risk management. Multi-Generational Wealth Helping plan for schooling, estate wealth transfer, fiscal responsibility education and business ownership are some of our focus areas. When it comes to the future, we understand the needs of families and the importance of preserving legacies. LEARN MORE Endowments & Foundations Sand Hill is a leader in giving back. We have the depth and experience to steward your organization’s valuable long-term resources so you can make the greatest possible impact on the people and communities you serve. LEARN MORE Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login STAY CONNECTED SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures ◈ Interior Pages — 15 pages crawledPlanning for an American Expat Life | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Planning for an American Expat Life --> --> --> --> --> --> --> --> Published Date : April 30, 2026 Authored By : Anthony Craun , CFA Email : [email protected] Fueled by the advance of technology, flexibility of remote work, continued expansion of global business, and desirable cost of living tradeoffs for retirees, the ranks of American expats continue to swell. Per the U.S. State Department, in 2020, roughly nine million Americans lived abroad, while a 2022 Gallup poll revealed 15% of Americans would like to leave the United States permanently. At the same time, nations throughout the world continue to entice entrepreneurs and wealthy individuals to relocate, by offering golden visa programs that grant residency and citizenship status in exchange for investments in the host country. While the ease of modern connectivity and travel have lowered some burdens for expats, the Byzantine nature of immigration, estate, and tax laws makes the planning and execution of living abroad incredibly complicated. Additionally, with revenue-hungry governments aplenty, errors in wealth strategies can be expensive if assets are not properly structured and managed.  Life abroad begins with obtaining a visa, residency or, in some cases, a path to citizenship. Electing which nation to live in and under what residential circumstances will drive most of the financial planning decisions that follow. Therefore, hiring an immigration attorney that specializes in your destination country of choice is a crucial first step. For those seeking status through economic channels, ensure that the attorney is well-versed in the rules of the golden visa programs, as the capital investment required can run over a million dollars and possibly be restricted for years. Engaging an estate attorney deeply familiar with the foreign country and its laws should be the next step, as the structure of the assets will not only determine heirship, but estate taxes can be considerably onerous outside of the U.S. Note that in some popular expat nations, standard trusts created in the U.S. are viewed poorly and forced into burdensome reporting, such as in France, while some countries, like Spain, do not recognize the legal status of a trust. Regardless of which nation an expat resides, there are likely to be complicated and ever-changing tax rules in the host country and the U.S. Retaining a CPA in both nations is highly recommended given the very specific nature of local taxes and expats should prepare themselves for heftier reporting requirements to the IRS. Taken together, the immigration, legal, and tax strategies will inform the investment strategy of your Wealth Manager. With the golden visa programs in particular, sizable amounts of capital will need to be raised for investment and likely be concentrated in a business, real estate property, or equity markets of the host country. Diversification and managing risk around those concentrations are crucial. Furthermore, given the likelihood of tax complications, it is prudent to adopt an investment approach that either minimizes the realization of gains or allows for strategically timed trading that meets the liquidity needs of the expat while still complementing the overall estate and tax strategy.  After all the advanced planning is in place, the practical concerns of day-to-day life take over. Under most circumstances, it is more beneficial to maintain brokerage accounts in the U.S. than abroad. In a host of scenarios, bringing a portfolio into a foreign country can increase a tax burden, ensnare it in estate laws unintentionally and, under certain country circumstances, prevent the assets from ultimately leaving the foreign nation. Plan to utilize a local bank for daily living expenses while being mindful of the FDIC-equivalent protections of cash deposits. In the likely event that liquidity needs will be met with transfers from a U.S. financial institution, money movement will be made more quickly and smoothly across borders if the foreign bank has a U.S. correspondent bank, allowing for same-day wire transfers in U.S. dollars. Be prepared as well for heightened scrutiny of your cross-border money movements both by governments and the regulated financial institutions tasked with preventing money laundering. Supporting documentation requirements, probing questions, and delays in transfer may accompany certain international transfers. Lastly, insurance should not be overlooked in the planning and transitioning to an expat lifestyle. Life insurance, in particular, should be obtained while still in the U.S. as obtaining it once living abroad is considerably harder.  The thrill of living an expat lifestyle has never been more attainable given the modern world. Living abroad can offer career opportunities, a more affordable retirement, or proximity to family. To ensure your adventure isn’t costly to your portfolio or estate, be sure to engage a team of legal and tax specialists, work to position your portfolio for foreign circumstances, and plan for the management of liquidity and daily living expenses. Download as PDF --> print or Download PDF Articles and Commentary Information provided in written articles are for informational purposes only and should not be considered investment advice. There is a risk of loss from investments in securities, including the risk of loss of principal. The information contained herein reflects Sand Hill Global Advisors' (“SHGA”) views as of the date of publication. Such views are subject to change at any time without notice due to changes in market or economic conditions and may not necessarily come to pass. SHGA does not provide tax or legal advice. To the extent that any material herein concerns tax or legal matters, such information is not intended to be solely relied upon nor used for the purpose of making tax and/or legal decisions without first seeking independent advice from a tax and/or legal professional. SHGA has obtained the information provided herein from various third party sources believed to be reliable but such information is not guaranteed. Certain links in this site connect to other websites maintained by third parties over whom SHGA has no control. SHGA makes no representations as to the accuracy or any other aspect of information contained in other Web Sites. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. SHGA is not responsible for the consequences of any decisions or actions taken as a result of information provided in this presentation and does not warrant or guarantee the accuracy or completeness of this information. No part of this material may be (i) copied, photocopied, or duplicated in any form, by any means, or (ii) redistributed without the prior written consent of SHGA. Video Presentations All video presentations discuss certain investment products and/or securities and are being provided for informational purposes only, and should not be considered, and is not, investment, financial planning, tax or legal advice; nor is it a recommendation to buy or sell any securities. Investing in securities involves varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular client’s financial situation or risk tolerance. Past performance is not a guarantee of future returns. Individual performance results will vary. The opinions expressed in the video reflect Sand Hill Global Advisor’s (“SHGA”) or Brenda Vingiello’s (as applicable) views as of the date of the video Why Portfolio Diversification Matters | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Why Portfolio Diversification Matters --> --> --> --> --> --> --> --> Published Date : April 30, 2026 Authored By : Megan Breslin Email : [email protected] March Madness is a welcomed time of year in the basketball world, but madness in the stock market isn’t as joyful to watch. While both may be accompanied by nail biting and stomach-churning ups and downs, investors want more wins than losses in their portfolios at the end of the tournament. In our view, a diversified portfolio is a key strategy for investors seeking to ease market-related madness. At its core, diversification involves spreading investments across a variety of assets, sectors, and geographic regions with the goal of minimizing the impact of any single investment’s poor performance on the overall portfolio. By balancing various investments, a diversified portfolio aims to achieve more stable returns while mitigating potential losses from individual asset downturn. One of the primary benefits of a diversified portfolio is risk reduction. In financial markets, risks are inherent, but not all assets are affected by the same factors. For instance, while the stock market may experience a downturn due to economic recessions or geopolitical tensions, other asset classes—such as bonds, commodities, or real estate—might remain stable or even thrive. By holding a combination of different types of investments, investors can reduce their exposure to any single source of risk. In essence, the gains from some investments could potentially offset the losses from others, leading to a more stable overall portfolio performance. Another significant advantage of diversification is the potential for improved risk-adjusted returns. A diversified portfolio is designed to balance the risk-reward ratio. The idea is not just to reduce risk, but to do so while maintaining a reasonable level of return. This is measured using metrics such as the Sharpe ratio, which compares the return of an investment to its risk. A diversified portfolio often leads to a higher Sharpe ratio because it combines assets that behave differently under various market conditions. For example, bonds tend to have less volatile performance in times of market volatility, while stocks may provide higher returns during periods of economic growth. By including both in a portfolio, investors are likely to enhance their overall returns relative to the risk taken. Long-term growth is often facilitated by diversification. Diversified portfolios tend to perform well over long periods because they are structured, in varying degrees, to weather both bull and bear markets. While it might not generate the highest returns in the short term, over the long run, a diversified portfolio has the potential to generate consistent, sustainable growth. This is especially true when investors maintain a long-term investment horizon and avoid making knee-jerk reactions to short-term market movements. Lastly, diversification offers greater flexibility for adjusting to changing market conditions. As economic landscapes evolve, so do the opportunities and risks associated with different asset classes and even sectors within those asset classes. A diversified portfolio allows investors to shift their holdings to rebalance according to market trends, interest rates, or other factors, and ensure that their investments remain aligned with their financial goals and risk tolerance. Whether picking brackets or investments, it’s important to have a balance of strategy and the ability to handle the inevitable highs and lows. Just like betting on some tournament upsets, Cinderella teams, and dominant #1 programs, spreading investments across different assets, sectors, and regions can mitigate risk, protect against volatility, and position portfolios for stable growth. Download as PDF --> print or Download PDF Articles and Commentary Information provided in written articles are for informational purposes only and should not be considered investment advice. There is a risk of loss from investments in securities, including the risk of loss of principal. The information contained herein reflects Sand Hill Global Advisors' (“SHGA”) views as of the date of publication. Such views are subject to change at any time without notice due to changes in market or economic conditions and may not necessarily come to pass. SHGA does not provide tax or legal advice. To the extent that any material herein concerns tax or legal matters, such information is not intended to be solely relied upon nor used for the purpose of making tax and/or legal decisions without first seeking independent advice from a tax and/or legal professional. SHGA has obtained the information provided herein from various third party sources believed to be reliable but such information is not guaranteed. Certain links in this site connect to other websites maintained by third parties over whom SHGA has no control. SHGA makes no representations as to the accuracy or any other aspect of information contained in other Web Sites. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. SHGA is not responsible for the consequences of any decisions or actions taken as a result of information provided in this presentation and does not warrant or guarantee the accuracy or completeness of this information. No part of this material may be (i) copied, photocopied, or duplicated in any form, by any means, or (ii) redistributed without the prior written consent of SHGA. Video Presentations All video presentations discuss certain investment products and/or securities and are being provided for informational purposes only, and should not be considered, and is not, investment, financial planning, tax or legal advice; nor is it a recommendation to buy or sell any securities. Investing in securities involves varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular client’s financial situation or risk tolerance. Past performance is not a guarantee of future returns. Individual performance results will vary. The opinions expressed in the video reflect Sand Hill Global Advisor’s (“SHGA”) or Brenda Vingiello’s (as applicable) views as of the date of the video. Such views are subject to change at any point without notice. Any comments, opinions, or recommendations made by any host or other guest not affiliated with SHGA in this video do not necessarily reflect the views of SHGA, and non-SHGA persons appearing in this video do not fall under the supervisory purview of SHGA. You should not treat any opinion expressed by SHGA or Ms. Vingiello as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of general opinion. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided on this video. There is a risk of loss from an investment in securities, including the risk of loss of principal. Neither SHGA nor Ms. Vingiello guarantees any specific outcome or profit. Any forward-looking statements or forecasts contained in the video are based on assumptions and actual results may vary from any such statements or forecasts. SHGA or one of its employees may have a position in the securities discussed and may purchase or sell such securities from time to time. Some of the information in this video has been obtained from third party sources. While SHGA believes such third-party informatio Charitable IRA Beneficiaries: How Your Generosity Could Backfire | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Charitable IRA Beneficiaries: How Your Generosity Could Backfire --> --> --> --> --> --> --> --> Published Date : April 29, 2026 Authored By : Kimberly Pham , CFP® Email : [email protected] Charitable planning is often an important element of many estate plans, and retirement accounts can be a valuable tool for those looking to leave a charitable legacy. Naming a charity as the beneficiary of an IRA—or another retirement account, such as a 401(k)—is often viewed as a straightforward and tax-efficient strategy. However, administrative friction at the custodian level can create complications that are easy to overlook. On the surface, the process is simple: complete a beneficiary designation form and name the charity as the sole or joint beneficiary. In practice, however, things can become more complex when the time comes to distribute the assets. When the IRA owner passes away and the assets are ready for distribution, many custodians, such as Schwab and Fidelity, require the beneficiaries to open inherited IRA accounts to receive the assets. This is a non-issue when the beneficiary is a real person, but this rule can apply even when the beneficiary is an organization. Given their tax-exempt status, charities often prefer to receive a cash distribution rather than an inherited IRA account. The account opening process can be operationally burdensome on a charity due to the detailed documentation requirement, which could include providing the names, addresses, Social Security numbers and other personal information of each board member signing the application. For some larger charitable organizations, this task may become too onerous, ultimately delaying the gift, or worse, the charity may choose to decline the gift entirely. One way to reduce this complexity is by naming a previously established donor-advised fund (DAF) as the sole beneficiary of the IRA, rather than naming the charity directly. Large DAF sponsors like Fidelity Charitable and Schwab Charitable are set up to efficiently receive retirement assets and handle the administrative details when a donor passes away. Once the DAF receives the assets, it can make grants and distribute cash to charitable organizations that have been previously named as beneficiaries. This approach may be particularly useful if the donor intends to support multiple charities, especially those that are smaller and less administratively equipped. Alternatively, you might consider naming a successor advisor for your DAF and giving them guidance about the areas of focus that are important to you. This approach provides flexibility as your charitable intentions evolve over time, or if the designated charities change, merge, or dissolve. If you are committed to designating a charity directly as the beneficiary of an IRA, it is prudent to coordinate with the organization in advance to ensure they can accept the distribution without issue. Some questions to ask include: Have you received IRA beneficiary distributions before? Are you able to manage inherited IRA account requirements? Do you have a preferred process or custodian for receiving these assets? While naming a charity as a retirement account beneficiary remains a highly tax-efficient estate planning strategy, it is not always operationally smooth. If the custodian’s process proves to be administratively difficult, utilizing a donor-advised fund can help ensure the donor’s intent is carried out, rather than creating friction that could delay, or even derail their charitable legacy. Download as PDF --> print or Download PDF Articles and Commentary Information provided in written articles are for informational purposes only and should not be considered investment advice. There is a risk of loss from investments in securities, including the risk of loss of principal. The information contained herein reflects Sand Hill Global Advisors' (“SHGA”) views as of the date of publication. Such views are subject to change at any time without notice due to changes in market or economic conditions and may not necessarily come to pass. SHGA does not provide tax or legal advice. To the extent that any material herein concerns tax or legal matters, such information is not intended to be solely relied upon nor used for the purpose of making tax and/or legal decisions without first seeking independent advice from a tax and/or legal professional. SHGA has obtained the information provided herein from various third party sources believed to be reliable but such information is not guaranteed. Certain links in this site connect to other websites maintained by third parties over whom SHGA has no control. SHGA makes no representations as to the accuracy or any other aspect of information contained in other Web Sites. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. SHGA is not responsible for the consequences of any decisions or actions taken as a result of information provided in this presentation and does not warrant or guarantee the accuracy or completeness of this information. No part of this material may be (i) copied, photocopied, or duplicated in any form, by any means, or (ii) redistributed without the prior written consent of SHGA. Video Presentations All video presentations discuss certain investment products and/or securities and are being provided for informational purposes only, and should not be considered, and is not, investment, financial planning, tax or legal advice; nor is it a recommendation to buy or sell any securities. Investing in securities involves varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular client’s financial situation or risk tolerance. Past performance is not a guarantee of future returns. Individual performance results will vary. The opinions expressed in the video reflect Sand Hill Global Advisor’s (“SHGA”) or Brenda Vingiello’s (as applicable) views as of the date of the video. Such views are subject to change at any point without notice. Any comments, opinions, or recommendations made by any host or other guest not affiliated with SHGA in this video do not necessarily reflect the views of SHGA, and non-SHGA persons appearing in this video do not fall under the supervisory purview of SHGA. You should not treat any opinion expressed by SHGA or Ms. Vingiello as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of general opinion. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided on this video. There is a risk of loss from an investment in securities, including the risk of loss of principal. Neither SHGA nor Ms. Vingiello guarantees any specific outcome or profit. Any forward-looking statements or forecasts contained in the video are based on assumptions and actual results may vary from any such statements or forecasts. SHGA or one of its employees may have a position in the securities discussed and may purchase or sell such securities from time to time. Some of the information in this video has been obtained from third party sources. While SHGA believes such third-party information is reliable, SHGA does not guarantee its accuracy, timeliness or completeness. SHGA encourages you to consult with a professional financial advisor prior to making any investment decision. Prev Blog Post Next Blog Post Related Tags beneficiary designation C Contact-us | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel --> --> --> --> --> --> --> --> --> --> --> --> Palo Alto Office 245 Lytton Avenue, Suite 300 Palo Alto, CA 94301 --> P (650) 854–9150 F (650) 854–2941 [email protected] San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 --> P (415) 291-9999 F (415) 291-9998 [email protected] --> --> --> --> --> --> --> --> --> --> San Francisco Office --> 44 Montgomery Street, Suite 3030 --> --> Get Directions --> --> --> --> P 415-291-9999 --> F 415-291-9998 --> --> [email protected] --> --> --> --> --> Connect with Sand Hill Please enter your name NAME Please enter a valid email address EMAIL SUBJECT MESSAGE Send Thank you for contacting to us! If your inquiry is urgent, please call our main office at the number listed above. Otherwise, we will respond to your email as soon as possible. Interested in Working at Sand Hill? If you would like to submit a resume, please email [email protected]. Open Positions Contact-us <p>Sand Hill Global Advisors, LLC</p> <p>245 Lytton Avenue, Suite 300<br> Palo Alto, CA 94301</p> Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Keeping Loans in the Family, Without Getting Burned by the IRS | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Keeping Loans in the Family, Without Getting Burned by the IRS --> --> --> --> --> --> --> --> Published Date : April 29, 2026 Authored By : Miriam Santiago , CFP® Email : [email protected] With families, lending money can feel easy and natural. When it comes to supporting something as important as a new home purchase or simply helping bridge the gap during a cash-strapped month, many families approach such arrangements informally. But what begins as a casual arrangement can quickly transform into a tax concern or a point of friction—not only with mom and dad, but with Uncle Sam. If you want the IRS to classify a transfer as a loan, it must be treated in a structured and disciplined way from the start. A common mistake is not clearly differentiating between a loan and a gift. The IRS does not consider intent, and just because you may call something a loan does not mean it is one. Without proper documentation detailing the terms of the loan, including a genuine expectation of payment, the IRS can reclassify the transfer as a gift. This can trigger gift tax consequences and can consume potentially large amounts of your lifetime tax exemption. Written agreements, repayment schedules, and a detailed payment history are generally what the IRS will look for to determine whether a loan is legitimate.  To establish a valid intra-family loan, certain elements are essential. The loan terms should be documented with a written promissory note that includes a defined loan amount, a fixed repayment schedule, a stated interest rate, and signatures from both parties. These steps may seem formal for a family arrangement, but they show that both sides entered into the agreement with clear expectations. A critical feature that differentiates a loan from a gift is the interest rate. The IRS mandates that loans include the minimum Applicable Federal Rate (AFR), which is updated monthly. If you charge a low or zero interest rate, the IRS will likely compare the interest that was charged to what should’ve been charged and treat the difference as a gift. This is referred to as imputed interest. Using the correct AFR rate helps ensure compliance and avoids unexpected tax consequences. And when April 15 th rolls around, there are potential tax considerations for both the lender and the borrower. The lender generally must report interest income, as they would with any loan. The borrower may or may not be able to deduct the interest, depending on how the funds are used. If the lender later forgives the loan, the forgiven amount may be treated as a gift. Importantly, documentation alone is not enough. Both parties’ behavior should be consistent with the agreement. Payments must be made on schedule, interest and principal accounted for separately, and any change in terms must be recorded in writing. Skipping payments or making informal adjustments can undermine the loan’s credibility and increase the risk of reclassification. Beyond tax rules, it’s important to consider how family loans can affect relationships. Misunderstandings are common when the expectations are unclear, especially if circumstances change after money has changed hands. A lack of structure can create frustration on both sides, particularly if one person feels taken advantage of or if repayment becomes uncertain. Setting clear terms from the beginning can help prevent these issues and keep the focus on support rather than conflict. For families that want guidance, working with professionals can make a big difference. At Sand Hill, we can work with your tax and estate planning professionals to structure intra-family loans in a way that addresses both tax requirements and long-term financial goals and planning strategies. A family loan may seem more relaxed than working with a bank, but it has serious legal and financial considerations. Treating it with care and structure helps ensure that it serves its intended purpose without creating unnecessary problems. If done right, it can help reinforce not only financial stability, but family trust. Sources: Internal Revenue Code §§ 2501, 7872, 1274; IRS Publications 550, 559, 936; IRS Applicable Federal Rates Download as PDF --> print or Download PDF Articles and Commentary Information provided in written articles are for informational purposes only and should not be considered investment advice. There is a risk of loss from investments in securities, including the risk of loss of principal. The information contained herein reflects Sand Hill Global Advisors' (“SHGA”) views as of the date of publication. Such views are subject to change at any time without notice due to changes in market or economic conditions and may not necessarily come to pass. SHGA does not provide tax or legal advice. To the extent that any material herein concerns tax or legal matters, such information is not intended to be solely relied upon nor used for the purpose of making tax and/or legal decisions without first seeking independent advice from a tax and/or legal professional. SHGA has obtained the information provided herein from various third party sources believed to be reliable but such information is not guaranteed. Certain links in this site connect to other websites maintained by third parties over whom SHGA has no control. SHGA makes no representations as to the accuracy or any other aspect of information contained in other Web Sites. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. SHGA is not responsible for the consequences of any decisions or actions taken as a result of information provided in this presentation and does not warrant or guarantee the accuracy or completeness of this information. No part of this material may be (i) copied, photocopied, or duplicated in any form, by any means, or (ii) redistributed without the prior written consent of SHGA. Video Presentations All video presentations discuss certain investment products and/or securities and are being provided for informational purposes only, and should not be considered, and is not, investment, financial planning, tax or legal advice; nor is it a recommendation to buy or sell any securities. Investing in securities involves varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular client’s financial situation or risk tolerance. Past performance is not a guarantee of future returns. Individual performance results will vary. The opinions expressed in the video reflect Sand Hill Global Advisor’s (“SHGA”) or Brenda Vingiello’s (as applicable) views as of the date of the video. Such views are subject to change at any point without notice. Any comments, opinions, or recommendations made by any host or other guest not affiliated with SHGA in this video do not necessarily reflect the views of SHGA, and non-SHGA persons appearing in this video do not fall under the supervisory purview of SHGA. You should not treat any opinion expressed by SHGA or Ms. Vingiello as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of general opinion. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided on this video. There is a risk of loss from an investment in securities, including the risk of loss of principal. Neither SHGA nor Ms. Vingiello guarantees any specific outcome or profit. Any forward-looking statements or Investment Approach | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Investment Approach A Dedicated Team With A Disciplined Process In a world where technology has made automation and mass customization the norm, investing is one arena where hands-on implementation and a discerning perspective can make a meaningful difference. At Sand Hill, we believe in the value of dedicated research and custom approaches. Our clients see the difference, too. That’s why we have a fully-staffed, in-house investment team wholly focused on our clients’ portfolios. Tailored Investing Our approach to each client’s portfolio involves a thoughtful, long-term view and ongoing refinement based on fundamental research. Constructing a portfolio that meets your specific goals and takes individual circumstances into account, such as the desire to diversify or manage concentrated holdings, requires a depth of know-how and hands-on market experience. Our team of specialists takes a disciplined, customized approach to constructing your personalized portfolio and optimizing it over time. Our mission is to help you achieve your financial goals, as well as provide you with the confidence and peace of mind you deserve. Your Own Investment Team Sand Hill’s offering gives you direct access to our dedicated investment team and our focused economic and market analysis. Years of insight and a clear focus on fundamentals drives our decisions when strategically allocating client assets. Our goal is steady growth with a long-term view, and as an independent organization, we have the flexibility to be opportunistic when we feel it is appropriate in order to take advantage of market conditions. For our clients, it all adds up to responsive investing tailored to meet your unique set of circumstances. Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Investment Approach In a world where technology has made automation and mass customization the norm, investing is one arena where hands-on implementation and a discerning perspective can make a meaningful difference. At Sand Hill, we believe in the value of dedicated research and custom approaches. Our clients see the difference, too. That’s why we have a fully-staffed, in-house investment team wholly focused on our clients’ portfolios. Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures About | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel We understand the intricacies of your life. Sand Hill has helped Silicon Valley individuals and families, businesses, endowments, and foundations navigate the complexities of life for over 40 years—growing alongside our community as the Bay Area has become the hub of innovation and leadership it is today. We’re a team of passionate professionals with a shared vision: to make life easier and better for our clients. From strategic planning to dealing with the unexpected, we understand the complexities of your life—tailoring our services to your needs and empowering you to make the most of your wealth, your life, and your legacy. The People You Can Count On Our people are our greatest asset. The Sand Hill team collectively offers a broad range of experience and insight – from venture capital and executive compensation to retirement and estate planning strategies – we guide our clients through every stage of life. As an employee-owned organization, we understand the needs of entrepreneurs and we’re driven to help you succeed. Our sum is greater than our parts (and our parts are pretty great). Jeffrey Abadie, CFP® Senior Wealth Manager Shareholder Learn More Jay Amini Senior Financial Controller Learn More George Angelopoulos, CFA Portfolio Manager Learn More Megan Breslin Senior Wealth Manager Shareholder Learn More Alfred Cheung Analyst Learn More Elizabeth Cody, CFP® Senior Wealth Manager Shareholder Learn More Anthony Craun, CFA Chief Operating Officer Shareholder Learn More Sara Craven, CFP® Chief Wealth Manager Shareholder Learn More Caroline Curts, CFP®, IACCP® Chief Compliance Officer Shareholder Learn More Meghan Daters Senior Portfolio Manager Shareholder Learn More Brian Dombkowski, CFA Chief Executive Officer Shareholder Learn More Daniel Forrest Operations Associate Learn More Kayla Hamro Senior Associate Learn More Andrew Harkin Director of Operations Learn More Janet Hoffmann, CFA, CFP® Senior Wealth Manager Shareholder Learn More Drew Kunde, CFA, CAIA Portfolio Manager Learn More Gina Lin Manager of Client Service Learn More Nicholas Low Senior Operations Associate Learn More J.P. Melanson Senior Associate Learn More Beth Orolfo Senior Associate Learn More Kimberly Pham, CFP® Financial Planner Learn More Andrea Rad, CFP® Senior Associate Learn More Miriam Santiago, CFP® Financial Planner Learn More Brooke Seim Senior Associate Learn More Mark Strahs Co-Chief Investment Officer Shareholder Learn More Kristin Sun, CFP®, CDFA® Senior Wealth Manager Director of Financial Planning Shareholder Learn More Barry Taylor, CFP® Managing Director Learn More Brenda Vingiello, CFA Chief Investment Officer Shareholder Learn More Jane Williams Advisory Board Member Learn More Kimberleigh Williams, CFP® Senior Wealth Manager Shareholder Learn More Why Sand Hill In a community as unique and vibrant as yours, you don’t want an average financial advisor. You want someone who understands your situation, your story, your life. You want someone who looks at every approach before choosing the best one for you—and who’s not afraid to try something new. You want someone who can engage the global perspective in the local context, and merge the best of both to your benefit. Most of all, you want someone who will always take your call and who always has your back. That’s the Sand Hill difference. What We Do Every member of our team is passionate about the work we do—we’re not here to meet quotas or sell a product, we’re here to build relationships. We take a client-centered approach focused on helping you achieve your long- and short-term goals. We have experience in virtually everything life can throw at you, and we’re always here to help. We fulfill our fiduciary responsibility with the utmost integrity, accountability, and excellence every day. But most importantly we’re here with insights, perspective, and plans when you need us most. Client Experience Investment Management At Sand Hill, we believe in taking a hands-on approach in everything we do. That’s why we have a dedicated Investment Management team wholly focused on making investment decisions in the best interests of our clients. We combine disciplined processes and years of insight with fundamental research and ongoing refinement, all with a long-term view. And you always have direct access to our economic and market analysis to keep you informed. From strategic asset allocation to responding to market fluctuations, we have a depth of experience to give you lasting peace of mind. Learn More Giving Back The spirit of service runs deep in our company culture. Our work with clients is meaningful, but we also take time to put our skills to work helping non-profit organizations and others in our community. We pride ourselves on donating our time, services, and resources to the greater good. Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Jeffrey Abadie Jeff Abadie learned the discipline, work ethic, and organization that serve as the foundation for his work at Sand Hill during his time in the U.S. Navy. By combining these skills with his passion for serving others, he helps clients build structure around their financial lives and make the most of their wealth. As a Senior Wealth Manager, Jeff helps high net worth individuals and families navigate the complexities of life. Never one to shy away from a challenge, Jeff specializes in working with clients who are facing some of the most difficult challenges life can throw at them. He understands the impact major life events like death, divorce and other life transitions that require thoughtful planning and analysis during sensitive and emotional times. Jeff has worked with many of the Bay Area’s top attorneys, helping individuals navigate generational wealth planning and the financial complexities of the marital dissolution process. An empathetic listener, Jeff has a gift for putting things in perspective, guiding people through these challenges, and empowering them to plan for long-term happiness and success. He got into this business to help people and that’s exactly what he does for Sand Hill clients every day. When he’s not in the office, Jeff loves to spend time with his wife and son traveling and hiking in and around the Bay Area, from Point Lobos to Point Reyes. Jeff also has a love for history and given his experience as a U.S. Navy sailor, enjoys volunteering as a docent at the USS Hornet Sea Air and Space Museum. Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Endowments & Foundations | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Endowments & Foundations Your Dedicated Fiduciary Partner For Over 20 Years Giving back to our community has always been part of the Sand Hill business model. For endowments and foundations, we provide high-touch management services that complement your cause. From helping you keep pace in changing economic times, to cost-effective, best-in-class investing and our ongoing commitment to objectivity, we are your fiduciary partner. With our results-oriented philosophy, insightful, team-based approach, and culture of service, you can think of us as the trusted, professional resource focused on meeting the needs of your organization. Supporting Your Team Whether you have an in-house financial team that needs investment support, or are looking for more comprehensive services in an outsourced solution, our investment team is here to help. At Sand Hill, we specialize in close, collaborative relationships. We will regularly meet with your finance committee and Board of Directors to ensure your organization’s needs are being met. And because many of us also sit on non-profit boards as volunteers, we have a deep understanding of the level of communication and guidance that can help you stay focused on your cause. Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Endowments & Foundations Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Contact-us | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel --> --> --> --> --> --> --> --> --> --> --> --> Palo Alto Office 245 Lytton Avenue, Suite 300 Palo Alto, CA 94301 --> P (650) 854–9150 F (650) 854–2941 [email protected] San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 --> P (415) 291-9999 F (415) 291-9998 [email protected] --> --> --> --> --> --> --> --> --> --> San Francisco Office --> 44 Montgomery Street, Suite 3030 --> --> Get Directions --> --> --> --> P 415-291-9999 --> F 415-291-9998 --> --> [email protected] --> --> --> --> --> Connect with Sand Hill Please enter your name NAME Please enter a valid email address EMAIL SUBJECT MESSAGE Send Thank you for contacting to us! If your inquiry is urgent, please call our main office at the number listed above. Otherwise, we will respond to your email as soon as possible. Interested in Working at Sand Hill? If you would like to submit a resume, please email [email protected]. Open Positions Contact-us <p>Sand Hill Global Advisors, LLC</p> <p>245 Lytton Avenue, Suite 300<br> Palo Alto, CA 94301</p> Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Blog | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Search X filter by author filter by author or topic The Sand Hill Blog Done Filter by Topic {{item.name}} Filter by Author {{item.author_name}}, {{item.author_name}} Clear All 0 || category.length > 0)}"> 0"> Showing posts by: {{item.name}}, --> {{item.name}} 0"> Filtering by: {{item.name}} {{item.date}} {{item.title}} {{item.date}} {{item.title}} {{item.author_name}}, {{item.author_name}} link {{item.date}} {{cat.name}} {{$last ? '' : ', '}} {{item.author_name}}, {{item.author_name}} {{item.excerpt}} {{item.limit_content}} read more No Results Found itemPerPage && first" class="first blue-bar" > First Page itemPerPage && first" class="prev blue-bar" > Prev Page itemPerPage" pagination-repeat-directive>{{item}} itemPerPage && last" class="next blue-bar" > Next Page itemPerPage && last" class="last blue-bar" > Last Page LOADING... Stay up to date, receive email updates from Sand Hill directly to your inbox! Sign Up Thanks for signing up Please enter a valid email address ENTER EMAIL SIGN UP Blog Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures About | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel We understand the intricacies of your life. Sand Hill has helped Silicon Valley individuals and families, businesses, endowments, and foundations navigate the complexities of life for over 40 years—growing alongside our community as the Bay Area has become the hub of innovation and leadership it is today. We’re a team of passionate professionals with a shared vision: to make life easier and better for our clients. From strategic planning to dealing with the unexpected, we understand the complexities of your life—tailoring our services to your needs and empowering you to make the most of your wealth, your life, and your legacy. The People You Can Count On Our people are our greatest asset. The Sand Hill team collectively offers a broad range of experience and insight – from venture capital and executive compensation to retirement and estate planning strategies – we guide our clients through every stage of life. As an employee-owned organization, we understand the needs of entrepreneurs and we’re driven to help you succeed. Our sum is greater than our parts (and our parts are pretty great). Jeffrey Abadie, CFP® Senior Wealth Manager Shareholder Learn More Jay Amini Senior Financial Controller Learn More George Angelopoulos, CFA Portfolio Manager Learn More Megan Breslin Senior Wealth Manager Shareholder Learn More Alfred Cheung Analyst Learn More Elizabeth Cody, CFP® Senior Wealth Manager Shareholder Learn More Anthony Craun, CFA Chief Operating Officer Shareholder Learn More Sara Craven, CFP® Chief Wealth Manager Shareholder Learn More Caroline Curts, CFP®, IACCP® Chief Compliance Officer Shareholder Learn More Meghan Daters Senior Portfolio Manager Shareholder Learn More Brian Dombkowski, CFA Chief Executive Officer Shareholder Learn More Daniel Forrest Operations Associate Learn More Kayla Hamro Senior Associate Learn More Andrew Harkin Director of Operations Learn More Janet Hoffmann, CFA, CFP® Senior Wealth Manager Shareholder Learn More Drew Kunde, CFA, CAIA Portfolio Manager Learn More Gina Lin Manager of Client Service Learn More Nicholas Low Senior Operations Associate Learn More J.P. Melanson Senior Associate Learn More Beth Orolfo Senior Associate Learn More Kimberly Pham, CFP® Financial Planner Learn More Andrea Rad, CFP® Senior Associate Learn More Miriam Santiago, CFP® Financial Planner Learn More Brooke Seim Senior Associate Learn More Mark Strahs Co-Chief Investment Officer Shareholder Learn More Kristin Sun, CFP®, CDFA® Senior Wealth Manager Director of Financial Planning Shareholder Learn More Barry Taylor, CFP® Managing Director Learn More Brenda Vingiello, CFA Chief Investment Officer Shareholder Learn More Jane Williams Advisory Board Member Learn More Kimberleigh Williams, CFP® Senior Wealth Manager Shareholder Learn More Why Sand Hill In a community as unique and vibrant as yours, you don’t want an average financial advisor. You want someone who understands your situation, your story, your life. You want someone who looks at every approach before choosing the best one for you—and who’s not afraid to try something new. You want someone who can engage the global perspective in the local context, and merge the best of both to your benefit. Most of all, you want someone who will always take your call and who always has your back. That’s the Sand Hill difference. What We Do Every member of our team is passionate about the work we do—we’re not here to meet quotas or sell a product, we’re here to build relationships. We take a client-centered approach focused on helping you achieve your long- and short-term goals. We have experience in virtually everything life can throw at you, and we’re always here to help. We fulfill our fiduciary responsibility with the utmost integrity, accountability, and excellence every day. But most importantly we’re here with insights, perspective, and plans when you need us most. Client Experience Investment Management At Sand Hill, we believe in taking a hands-on approach in everything we do. That’s why we have a dedicated Investment Management team wholly focused on making investment decisions in the best interests of our clients. We combine disciplined processes and years of insight with fundamental research and ongoing refinement, all with a long-term view. And you always have direct access to our economic and market analysis to keep you informed. From strategic asset allocation to responding to market fluctuations, we have a depth of experience to give you lasting peace of mind. Learn More Giving Back The spirit of service runs deep in our company culture. Our work with clients is meaningful, but we also take time to put our skills to work helping non-profit organizations and others in our community. We pride ourselves on donating our time, services, and resources to the greater good. Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Jeffrey Abadie Jeff Abadie learned the discipline, work ethic, and organization that serve as the foundation for his work at Sand Hill during his time in the U.S. Navy. By combining these skills with his passion for serving others, he helps clients build structure around their financial lives and make the most of their wealth. As a Senior Wealth Manager, Jeff helps high net worth individuals and families navigate the complexities of life. Never one to shy away from a challenge, Jeff specializes in working with clients who are facing some of the most difficult challenges life can throw at them. He understands the impact major life events like death, divorce and other life transitions that require thoughtful planning and analysis during sensitive and emotional times. Jeff has worked with many of the Bay Area’s top attorneys, helping individuals navigate generational wealth planning and the financial complexities of the marital dissolution process. An empathetic listener, Jeff has a gift for putting things in perspective, guiding people through these challenges, and empowering them to plan for long-term happiness and success. He got into this business to help people and that’s exactly what he does for Sand Hill clients every day. When he’s not in the office, Jeff loves to spend time with his wife and son traveling and hiking in and around the Bay Area, from Point Lobos to Point Reyes. Jeff also has a love for history and given his experience as a U.S. Navy sailor, enjoys volunteering as a docent at the USS Hornet Sea Air and Space Museum. Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Client Experience | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel The Sand Hill Client Experience Wherever you are in your personal and financial journey, Sand Hill’s professionals can help you plan to make the most of your wealth with strategies and sound advice. Manage major milestones, navigate unexpected situations, overcome challenges, and make optimal plans for your family, and your future. At every stage of life, Sand Hill is by your side. It's Your Journey Want to know how we can help when life happens? Scroll through the timeline and find out. Preparing the Next Generation Preparing the Next Generation Before you send your kids out into the world, make sure they understand the value of a dollar and the importance of fiscal responsibility. We’re here to help start the conversation. Planning for Education Planning for Education It’s never too early to start saving for your kids’ education. Whether you’re planning for private school, college, or both, we can help you make wise choices today so they can reach their dreams tomorrow. First Job First Job Congratulations, you’re on your way! Let’s talk about strategies for wealth accumulation you can implement today to secure your tomorrow. Marriage Marriage Finding your perfect partner is one of life’s greatest joys, and often introduces financial complexity. Let us help you make sure you have everything in order so you can begin your new life together with complete peace of mind. Buying First Home Buying First Home Buying a home and putting down roots is an exciting milestone, but there’s a lot to think about. We can help you get prepared and make the best choices for your family. Preparing for Children Preparing for Children It’s true that having children changes everything, which is why you need to prepare in more ways than one. Let’s talk about what you can do right now to give your kids the best possible start in life. Navigating Compensation Structures Navigating Compensation Structures Great opportunities often come with complex compensation structures. Whether you own your own business or work for a start up, as you move up the ladder, we can help you understand your options for an optimal outcome. Starting a Company Starting a Company Are you answering the call to be your own boss with an idea that will change the world? Let us help you work through the financial considerations involved, to get the most out of your success. Liquidity Event Liquidity Event You’ve worked hard to get here – preserve it! We have a long history dealing with liquidity events including mergers, acquisitions, and IPOs. Let us help you navigate this transition successfully and protect what you've earned. Wealth Transfer to the Next Generation Wealth Transfer to the Next Generation Turning wealth over to your heirs truly solidifies your legacy. We can help you make plans now to optimize tax benefits for the next generation, and make the most of what you’ve worked so hard to build. Buying a Second Home Buying a Second Home A weekend getaway is the perfect place to make memories with your family, but non-primary residences require careful planning. Let’s make the perfect plan for buying your second (or third) home. Philanthropic Goal Setting Philanthropic Goal Setting The spirit of service is built into our culture, so we’re adept at helping you fulfill your own philanthropic goals. We can help you identify causes you care about most, facilitate charitable endeavors, reach milestones, and enjoy the benefits of giving. Marriage Dissolution (Divorce) Marriage Dissolution (Divorce) We understand the challenges that come with the dissolution of a marriage, especially for high-net worth families. We’re here to help you navigate this difficult time, plan for better days ahead, and be by your side through the next phase of your life. Inheriting Wealth Inheriting Wealth When someone works hard to build a legacy to leave you, it’s important to make the most of it. We can help with inheritance strategies and the impact on tax and estate planning. Retirement Retirement You’ve worked your whole life to reach this stage, and now it’s time to enjoy the fruits of your labor! Whether your retirement dream is to sail around the world, dabble in angel investing, or play golf every day, let us help you navigate this exciting new chapter. Medicare and Social Security Planning Medicare and Social Security Planning Medicare and Social Security offer life-long benefits for retirees, but navigating these complex government programs can be challenging. We’ve done it before, and we’re here to guide you. Elder Care and Home Transitions Elder Care and Home Transitions Late-in-life care and decisions about where you want to live for the long-term can put a strain on both you and your family. Making plans now will help you transition smoothly when the time comes, and make it easier on your loved ones, too. Estate Transfer Guidance Estate Transfer Guidance Losing a loved one is always painful, but planning in advance can help lighten the load for those left behind. We’re here to support your needs today, help you plan for tomorrow, and offer guidance for your family whenever they need it. Endowments & Foundations Silicon Valley is a leader in giving back. We have the expertise and experience to steward your organization’s valuable long-term resources so you can make the greatest possible impact on the people and communities you serve. LEARN MORE Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Client Experience Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures About | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel We understand the intricacies of your life. Sand Hill has helped Silicon Valley individuals and families, businesses, endowments, and foundations navigate the complexities of life for over 40 years—growing alongside our community as the Bay Area has become the hub of innovation and leadership it is today. We’re a team of passionate professionals with a shared vision: to make life easier and better for our clients. From strategic planning to dealing with the unexpected, we understand the complexities of your life—tailoring our services to your needs and empowering you to make the most of your wealth, your life, and your legacy. The People You Can Count On Our people are our greatest asset. The Sand Hill team collectively offers a broad range of experience and insight – from venture capital and executive compensation to retirement and estate planning strategies – we guide our clients through every stage of life. As an employee-owned organization, we understand the needs of entrepreneurs and we’re driven to help you succeed. Our sum is greater than our parts (and our parts are pretty great). Jeffrey Abadie, CFP® Senior Wealth Manager Shareholder Learn More Jay Amini Senior Financial Controller Learn More George Angelopoulos, CFA Portfolio Manager Learn More Megan Breslin Senior Wealth Manager Shareholder Learn More Alfred Cheung Analyst Learn More Elizabeth Cody, CFP® Senior Wealth Manager Shareholder Learn More Anthony Craun, CFA Chief Operating Officer Shareholder Learn More Sara Craven, CFP® Chief Wealth Manager Shareholder Learn More Caroline Curts, CFP®, IACCP® Chief Compliance Officer Shareholder Learn More Meghan Daters Senior Portfolio Manager Shareholder Learn More Brian Dombkowski, CFA Chief Executive Officer Shareholder Learn More Daniel Forrest Operations Associate Learn More Kayla Hamro Senior Associate Learn More Andrew Harkin Director of Operations Learn More Janet Hoffmann, CFA, CFP® Senior Wealth Manager Shareholder Learn More Drew Kunde, CFA, CAIA Portfolio Manager Learn More Gina Lin Manager of Client Service Learn More Nicholas Low Senior Operations Associate Learn More J.P. Melanson Senior Associate Learn More Beth Orolfo Senior Associate Learn More Kimberly Pham, CFP® Financial Planner Learn More Andrea Rad, CFP® Senior Associate Learn More Miriam Santiago, CFP® Financial Planner Learn More Brooke Seim Senior Associate Learn More Mark Strahs Co-Chief Investment Officer Shareholder Learn More Kristin Sun, CFP®, CDFA® Senior Wealth Manager Director of Financial Planning Shareholder Learn More Barry Taylor, CFP® Managing Director Learn More Brenda Vingiello, CFA Chief Investment Officer Shareholder Learn More Jane Williams Advisory Board Member Learn More Kimberleigh Williams, CFP® Senior Wealth Manager Shareholder Learn More Why Sand Hill In a community as unique and vibrant as yours, you don’t want an average financial advisor. You want someone who understands your situation, your story, your life. You want someone who looks at every approach before choosing the best one for you—and who’s not afraid to try something new. You want someone who can engage the global perspective in the local context, and merge the best of both to your benefit. Most of all, you want someone who will always take your call and who always has your back. That’s the Sand Hill difference. What We Do Every member of our team is passionate about the work we do—we’re not here to meet quotas or sell a product, we’re here to build relationships. We take a client-centered approach focused on helping you achieve your long- and short-term goals. We have experience in virtually everything life can throw at you, and we’re always here to help. We fulfill our fiduciary responsibility with the utmost integrity, accountability, and excellence every day. But most importantly we’re here with insights, perspective, and plans when you need us most. Client Experience Investment Management At Sand Hill, we believe in taking a hands-on approach in everything we do. That’s why we have a dedicated Investment Management team wholly focused on making investment decisions in the best interests of our clients. We combine disciplined processes and years of insight with fundamental research and ongoing refinement, all with a long-term view. And you always have direct access to our economic and market analysis to keep you informed. From strategic asset allocation to responding to market fluctuations, we have a depth of experience to give you lasting peace of mind. Learn More Giving Back The spirit of service runs deep in our company culture. Our work with clients is meaningful, but we also take time to put our skills to work helping non-profit organizations and others in our community. We pride ourselves on donating our time, services, and resources to the greater good. Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Jeffrey Abadie Jeff Abadie learned the discipline, work ethic, and organization that serve as the foundation for his work at Sand Hill during his time in the U.S. Navy. By combining these skills with his passion for serving others, he helps clients build structure around their financial lives and make the most of their wealth. As a Senior Wealth Manager, Jeff helps high net worth individuals and families navigate the complexities of life. Never one to shy away from a challenge, Jeff specializes in working with clients who are facing some of the most difficult challenges life can throw at them. He understands the impact major life events like death, divorce and other life transitions that require thoughtful planning and analysis during sensitive and emotional times. Jeff has worked with many of the Bay Area’s top attorneys, helping individuals navigate generational wealth planning and the financial complexities of the marital dissolution process. An empathetic listener, Jeff has a gift for putting things in perspective, guiding people through these challenges, and empowering them to plan for long-term happiness and success. He got into this business to help people and that’s exactly what he does for Sand Hill clients every day. When he’s not in the office, Jeff loves to spend time with his wife and son traveling and hiking in and around the Bay Area, from Point Lobos to Point Reyes. Jeff also has a love for history and given his experience as a U.S. Navy sailor, enjoys volunteering as a docent at the USS Hornet Sea Air and Space Museum. Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Blog | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel Search X filter by author filter by author or topic The Sand Hill Blog Done Filter by Topic {{item.name}} Filter by Author {{item.author_name}}, {{item.author_name}} Clear All 0 || category.length > 0)}"> 0"> Showing posts by: {{item.name}}, --> {{item.name}} 0"> Filtering by: {{item.name}} {{item.date}} {{item.title}} {{item.date}} {{item.title}} {{item.author_name}}, {{item.author_name}} link {{item.date}} {{cat.name}} {{$last ? '' : ', '}} {{item.author_name}}, {{item.author_name}} {{item.excerpt}} {{item.limit_content}} read more No Results Found itemPerPage && first" class="first blue-bar" > First Page itemPerPage && first" class="prev blue-bar" > Prev Page itemPerPage" pagination-repeat-directive>{{item}} itemPerPage && last" class="next blue-bar" > Next Page itemPerPage && last" class="last blue-bar" > Last Page LOADING... Stay up to date, receive email updates from Sand Hill directly to your inbox! Sign Up Thanks for signing up Please enter a valid email address ENTER EMAIL SIGN UP Blog Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures Client Experience | Sand Hill Global Advisors You are using an outdated browser. Please upgrade your browser to improve your experience. Client Experience About Us Insights Client Login Contact Us Search Search Cancel The Sand Hill Client Experience Wherever you are in your personal and financial journey, Sand Hill’s professionals can help you plan to make the most of your wealth with strategies and sound advice. Manage major milestones, navigate unexpected situations, overcome challenges, and make optimal plans for your family, and your future. At every stage of life, Sand Hill is by your side. It's Your Journey Want to know how we can help when life happens? Scroll through the timeline and find out. Preparing the Next Generation Preparing the Next Generation Before you send your kids out into the world, make sure they understand the value of a dollar and the importance of fiscal responsibility. We’re here to help start the conversation. Planning for Education Planning for Education It’s never too early to start saving for your kids’ education. Whether you’re planning for private school, college, or both, we can help you make wise choices today so they can reach their dreams tomorrow. First Job First Job Congratulations, you’re on your way! Let’s talk about strategies for wealth accumulation you can implement today to secure your tomorrow. Marriage Marriage Finding your perfect partner is one of life’s greatest joys, and often introduces financial complexity. Let us help you make sure you have everything in order so you can begin your new life together with complete peace of mind. Buying First Home Buying First Home Buying a home and putting down roots is an exciting milestone, but there’s a lot to think about. We can help you get prepared and make the best choices for your family. Preparing for Children Preparing for Children It’s true that having children changes everything, which is why you need to prepare in more ways than one. Let’s talk about what you can do right now to give your kids the best possible start in life. Navigating Compensation Structures Navigating Compensation Structures Great opportunities often come with complex compensation structures. Whether you own your own business or work for a start up, as you move up the ladder, we can help you understand your options for an optimal outcome. Starting a Company Starting a Company Are you answering the call to be your own boss with an idea that will change the world? Let us help you work through the financial considerations involved, to get the most out of your success. Liquidity Event Liquidity Event You’ve worked hard to get here – preserve it! We have a long history dealing with liquidity events including mergers, acquisitions, and IPOs. Let us help you navigate this transition successfully and protect what you've earned. Wealth Transfer to the Next Generation Wealth Transfer to the Next Generation Turning wealth over to your heirs truly solidifies your legacy. We can help you make plans now to optimize tax benefits for the next generation, and make the most of what you’ve worked so hard to build. Buying a Second Home Buying a Second Home A weekend getaway is the perfect place to make memories with your family, but non-primary residences require careful planning. Let’s make the perfect plan for buying your second (or third) home. Philanthropic Goal Setting Philanthropic Goal Setting The spirit of service is built into our culture, so we’re adept at helping you fulfill your own philanthropic goals. We can help you identify causes you care about most, facilitate charitable endeavors, reach milestones, and enjoy the benefits of giving. Marriage Dissolution (Divorce) Marriage Dissolution (Divorce) We understand the challenges that come with the dissolution of a marriage, especially for high-net worth families. We’re here to help you navigate this difficult time, plan for better days ahead, and be by your side through the next phase of your life. Inheriting Wealth Inheriting Wealth When someone works hard to build a legacy to leave you, it’s important to make the most of it. We can help with inheritance strategies and the impact on tax and estate planning. Retirement Retirement You’ve worked your whole life to reach this stage, and now it’s time to enjoy the fruits of your labor! Whether your retirement dream is to sail around the world, dabble in angel investing, or play golf every day, let us help you navigate this exciting new chapter. Medicare and Social Security Planning Medicare and Social Security Planning Medicare and Social Security offer life-long benefits for retirees, but navigating these complex government programs can be challenging. We’ve done it before, and we’re here to guide you. Elder Care and Home Transitions Elder Care and Home Transitions Late-in-life care and decisions about where you want to live for the long-term can put a strain on both you and your family. Making plans now will help you transition smoothly when the time comes, and make it easier on your loved ones, too. Estate Transfer Guidance Estate Transfer Guidance Losing a loved one is always painful, but planning in advance can help lighten the load for those left behind. We’re here to support your needs today, help you plan for tomorrow, and offer guidance for your family whenever they need it. Endowments & Foundations Silicon Valley is a leader in giving back. We have the expertise and experience to steward your organization’s valuable long-term resources so you can make the greatest possible impact on the people and communities you serve. LEARN MORE Let’s Work Together If you’re looking for a forward-thinking partner to simplify the complexities of your financial life, we’d like to help. Let’s talk. CONTACT US Client Experience Palo Alto Office 245 Lytton Ave, Suite 300 Palo Alto, CA 94301   San Francisco Office Four Embarcadero Center, Suite 3150 San Francisco, CA 94111 THE FIRM About Sand Hill Our People What We Do Investment Approach QUICKLINKS Client Experience Insights Careers Client Login Stay Connected Thanks for signing up Please enter a valid email address SignUp Email SIGN UP Contact Us (650) 854-9150 LinkedIn Twitter 2026 Sand Hill Global Advisors, LLC | All Rights Reserved. Privacy Policy Terms Of Use Form CRS and Form ADV Disclosures